JP2005352808A - Cash transaction apparatus and cash transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To keep an appropriate balance of cash and reduce an operation stop time. <P>SOLUTION: A cash transaction system 10 that manages the balance of cash in a cash transaction apparatus 20 includes: a management apparatus comprising an appropriate balance information storage part 42 for holding appropriate balance information indicating an appropriate balance of cash in the cash transaction apparatus, an appropriate balance information retrieval part 43 for retrieving the appropriate balance information from the appropriate balance information storage part, and an appropriate balance information communication part for notifying the appropriate balance information to the cash transaction apparatus; and the cash transaction apparatus comprising an appropriate balance information acquisition communication part for acquiring the appropriate balance information from the management apparatus, a cash counting part for counting cash, a balance information storage part for holding the count result as balance information, a computation part for calculating the amount of cash to be transferred to/from a cash cassette such that the cash transaction apparatus keeps the appropriate balance of cash indicated by the appropriate balance information, according to the appropriate balance information from the management apparatus and the balance information, and a transfer control part for providing transfer control for transferring the cash to/from the cash cassette according to the computation result of the computation part. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a cash transaction apparatus and a cash transaction system of a financial institution, and more particularly, to a cash transaction apparatus and a cash transaction system that manage the appropriate amount of cash held in the cash transaction apparatus.

  A financial institution such as a bank has an ATM (Automated Teller Machine) as a cash transaction apparatus for automatically transacting cash in accordance with an operation from a customer. ATMs are installed in financial institution stores, convenience stores, public institutions, and the like, and perform deposit processing in response to a deposit request from a customer or perform withdrawal processing of an amount designated by the customer.

This ATM is provided with a cash storage called a stacker in order to circulate and use the cash received from customers for withdrawal.
By the way, there are more withdrawal processes than the deposit process, and when the amount of cash held in the stacker is reduced below a predetermined threshold, cash is replenished to the stacker by the staff. On the other hand, if there is more deposit processing than withdrawal processing, there is a risk that the cash will be accumulated more and more in the stacker and the cash stored in the stacker may overflow. ing. For such replenishment and collection of cash, a cash cassette called a replenishment / recovery cassette is used, and an attendant sets the cash cassette in the ATM and performs an operation according to the operation display contents for maintenance.

  For example, when a clerk collects cash from an ATM, the clerk inputs and instructs the amount of cash to be collected using the operation panel. The ATM into which the amount of cash to be collected is input conveys that amount of cash from the stacker to the cash cassette. In this way, the cash desired by the attendant is collected in the cash cassette.

  By the way, in the conventional cash transaction system, the clerk specifies the amount of cash to be collected from the operation panel and collects the cash. Therefore, how much cash to recycle is left in the ATM, from the stacker. It was up to the staff to decide whether to collect the cash, and did not allow them to hold an appropriate amount of cash at the ATM. In addition, since it is necessary to designate the amount of cash to be collected by the clerk at each collection, the operation stop time for collecting the cash is long, which is also a problem.

  In view of the above-described problems, an object of the present invention is to provide a cash transaction apparatus and a cash transaction system capable of holding an appropriate amount of cash and reducing operation stop time.

The present invention adopts the following configuration in order to solve the above points.
In a cash transaction device that manages the amount of cash held using a cash cassette, obtain appropriate amount information from the appropriate amount management device, and obtain the appropriate amount of cash indicated in the acquired amount information In order to hold, the amount of cash to be conveyed to and from the cash cassette is obtained based on the appropriate amount information and the amount information indicating the amount of cash held.

  In a cash transaction system that uses a cash cassette to manage the amount of cash held in a cash transaction device, an appropriate amount information storage unit that holds appropriate amount information indicating the appropriate amount of cash held in the cash transaction device; Appropriate height information search unit that retrieves and acquires the appropriate height information from the appropriate height information storage unit in response to a request for appropriate height information, and the appropriate height information acquired by the appropriate height information search unit A management device provided with an appropriate amount information communication unit for notifying the cash transaction device, an appropriate amount information acquisition communication unit for acquiring the appropriate amount information from the management device, and a count of cash held Based on the amount information obtained from the management device, the amount information obtained from the management device, and the amount information stored in the amount information storage unit. Appropriate Yutaka of the Yutaka information In order to hold the money in the cash transaction apparatus, the calculation unit that calculates the amount of cash to be transferred to and from the cash cassette, and the transfer of cash between the cash cassette based on the calculation result of the calculation unit A cash transaction apparatus including a conveyance control unit that performs control.

  The cash transaction apparatus is provided with an identification code for distinguishing it from other cash transaction apparatuses, and the appropriate value information acquisition communication unit attaches the assigned identification code to acquire appropriate value information. The appropriate height information search unit retrieves and acquires the appropriate height information stored in association with the identification code from the appropriate height information storage unit based on the identification code attached. It is characterized by doing.

  The calculation unit, when the amount shown in the amount information is larger than the amount shown in the appropriate amount information, the amount difference is calculated as a recovered cash amount, the transport control unit, In order to collect cash from the cash transaction apparatus to the cash cassette based on the collected cash quantity, cash transport control is performed.

  The arithmetic unit, when the amount shown in the amount information is less than the amount shown in the appropriate amount information, the amount difference is calculated as a supplementary cash amount, the transport control unit, Based on the replenished cash quantity, the cash transport control is performed to replenish the cash transaction apparatus with the cash previously stored in the cash cassette.

  The management device is provided in at least one of a host device and an external server device of a financial institution.

  According to the cash transaction system of the present invention, even if the amount of cash to be collected by the clerk is not specified, the appropriate amount information indicating the appropriate amount is obtained from the management device, and the appropriate amount information and the cash transaction are obtained. Based on the cash amount information that is managed and managed by the device, the cash transaction device conveys it to and from the cash cassette so that the cash transaction device holds the appropriate amount of cash. Since the amount of cash to be calculated is calculated by the calculation unit, it is not necessary to leave it to the staff's judgment, and the cash transaction apparatus can hold an appropriate amount of cash. Furthermore, according to the cash transaction system of the present invention, since an appropriate amount of cash is calculated by the calculation unit, manual input by an attendant is not required, and operation stop time can be reduced.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  As shown in FIG. 1, the cash transaction system 10 of the present invention includes an ATM 20 as a cash transaction apparatus and a management apparatus 40 connected to the ATM 20 via a network 50 as a transmission path.

  The ATM 20 is installed not only in financial institutions but also in stores such as convenience stores and public institutions. On the other hand, the management device 40 connected to the ATM 20 via the network 50 is provided as an external server in a place where remote centralized management such as a HOST center for centrally managing deposit processing and withdrawal processing in the ATM 20 is possible. ing. Further, the processing device of the HOST center may have a function as the management device 40.

  The ATM 20 is detachably provided with a display input unit 21 for receiving instructions from the staff and displaying the contents of the instructions and the operating state of the ATM 20, and a cash cassette 22 (replenishment collection cassette) for replenishing / collecting cash. Stacker 23, counting unit 24 for counting cash stored in the stacker, storage unit 25 for holding the counting result as high-value information, and ATM communication unit for communicating with management device 40 via network 50 26 and a calculation unit that calculates the amount of cash to be transported to and from the cash cassette 22 based on the appropriate amount information described later acquired via the ATM communication unit 26 and the amount information held in the storage unit 25. 27, a transport control unit 28 that controls the transport of cash based on the calculation result, a printing unit 29 that prints the transport result on a receipt, and an ATM control that controls the respective units And a 30.

An identification code for identifying each ATM is assigned to the ATM 20, and the identification code is held in the storage unit 25, and is read when obtaining appropriate height information described later.
The counting unit 24 discriminates the cash held in the stacker 23, counts the amount of cash, and reflects the counting result in the amount information held in the storage unit 25. The amount information is information indicating the amount of money held by the stacker 23 for each denomination.

The ATM communication unit 26 also has a function as an appropriate amount information acquisition communication unit for acquiring the appropriate amount information managed by the management device 40.
The calculating part 27 calculates the quantity of the cash conveyed between the stacker 23 and the cash cassette 22 based on appropriate amount information and amount information.

  For example, if the stacker 23 contains 2200 10,000-yen tickets and the appropriate amount is 2000-yen 2000-yen tickets, the difference of 200 10,000 tickets is calculated as the amount of cash to be collected. To do. On the other hand, if the stacker 23 contains 1,500 000-yen tickets and the appropriate amount is 2,000-yen 000-yen tickets, the difference is calculated as the amount of cash to be replenished with the 10,000-yen tickets To do.

  For example, when collecting the cash from the stacker 23 based on the calculation result calculated by the calculation unit 27, the transport control unit 28 causes the counting unit 24 to count the cash stored in the stacker 23, and the desired quantity. When the cash is transferred to the cash cassette 22 and the stacker 23 is replenished with cash, the cash stored in the cash cassette 22 is counted by the counting unit 24, and a desired amount of cash is transferred to the stacker 23. Control to transport.

  By the way, the cash stored in the stacker 23 is managed and stored for each denomination, and in order to manage the amount of money according to the denomination, The amount (number of sheets) of cash (banknotes) is associated with (ticket type).

  The management device 40 includes a management communication unit 41 for communicating with the ATM 20, and an appropriate height information storage for holding appropriate height information in response to a request for obtaining the appropriate height information from the ATM 20 obtained by the management communication unit 41. The appropriate amount information search part 43 which searches and acquires desired appropriate amount information from the part 42, and the management control part 44 which manages each said part collectively are provided.

  An appropriate code information acquisition request includes an identification code for identifying the ATM 20, and based on the identification code, the appropriate value information search unit 43 corresponds to the identification code from the appropriate value information storage unit 42. Acquire appropriate amount information. As shown in FIG. 2, the appropriate amount information storage unit 42 manages the appropriate amount information in association with the identification code, and the appropriate amount information is associated with the quantity for each denomination. Yes.

Next, operation | movement of the cash transaction system 10 of this invention is demonstrated along the flowchart of FIG.
In this embodiment, for the sake of convenience, cash will be limited to banknotes. Further, the description will be made on the assumption that the banknotes stored in the stacker 23 are counted and the amount of money is held in the storage unit 25 as height information.

  As shown in FIG. 4, an operation screen for maintenance is displayed on the display input unit 21. The maintenance operation screen includes items of operation information, failure information, supplementary collection, collection information, and periodic maintenance. It is displayed so that it can be selected (step S1).

  When the clerk presses the replenishment / collection button on the maintenance display screen shown in FIG. 4, the items shown in FIG. In this display, when the clerk presses a selection button for a partial collection item, a screen prompting the user to confirm the instruction content is displayed as shown in FIG.

  When the user presses the confirmation button on the confirmation screen shown in FIG. 6, a selection screen for collecting the appropriate number of sheets and collecting the specified number of sheets is displayed as shown in FIG. In this selection screen, when the clerk presses the selection button for collecting the appropriate number of sheets, which is a feature of the present invention (leaving the appropriate number of sheets in the ATM and collecting more than the appropriate number of banknotes), an instruction for collecting the appropriate number of sheets is sent to the ATM control unit 30. Sent. The ATM control unit 30 outputs the identification code read from the storage unit 25 to the ATM communication unit 26 (step S2).

  Upon receiving the identification code, the ATM communication unit 26 (appropriate value information acquisition communication unit) creates a message for the appropriate value information acquisition request with its own identification code, and transmits the message (step S3). The transmitted message is received by the management communication unit 41 of the management device 40 via the network 50 (step S4).

  The message of the appropriate amount information acquisition request received by the management communication unit 41 is sent to the management control unit 44. The management control unit 44 instructs the appropriate height information search unit 43 to obtain the appropriate height information stored in the appropriate height information storage unit 42 based on the identification code. Receiving the instruction, the appropriate height information search unit 43 acquires the appropriate height information corresponding to the identification code from the appropriate height information storage unit 42 of the database configuration in FIG. 2 based on the identification code (step S5). . For example, when the identification code is 0001, in the example of FIG. 2, appropriate amount information indicating that the 10,000 yen coupon is 2000 and the 1000 yen coupon is 1000 is acquired. Hereinafter, description will be made with an example in which the identification code is 0001 and the appropriate amount information is 2000 pieces of 10,000 yen tickets and 1000 pieces of 1000 yen tickets.

When the suitability information is acquired, the management communication unit 41 creates a response message indicating the suitability information and transmits the response message to the requesting ATM 20 (step S6).
When the response message is received by the ATM communication unit 26 of the ATM 20, the suitability information shown in the response message is sent to the ATM control unit 30. The ATM control unit 30 refers to the storage unit 25 that holds the amount information indicating the amount of cash stored in the stacker 23 and acquires the amount information indicating the current amount of cash from the storage unit 25. (Step S7). The ATM control unit 30 may be operated so as to acquire the height information from the storage unit while acquiring the appropriate height information.

  In the present specific example, the following description will be made with an example in which 2200 10,000 yen tickets and 1300 thousand yen tickets are shown in the acquired information.

  The acquired height information is sent to the calculation unit 27 together with the appropriate height information, and the calculation unit 27 calculates the height to be collected. That is, as shown in FIG. 10, the calculation unit 27 calculates the number x of 10,000 yen coupons indicated in the appropriate amount information and the number a of 10,000 yen notes indicated in the amount information. When the number a of 10,000 yen coupons indicated in the information on the amount of money is greater than the number of 10,000 yen coupons indicated in the information on the appropriate amount, it is indicated by ax. The calculation is performed, and the difference is calculated as the number of 10,000 yen coupons to be collected (step S8). On the other hand, the calculation unit 27 compares the number a of 10,000 yen coupons indicated in the amount information, and the number x of 10,000 yen tickets indicated in the appropriate amount information is indicated in the amount information. When the number of 000 yen tickets is equal to or greater than a, the calculation result of 0 sheets is output assuming that there are no 10,000 000 tickets to be collected.

  Further, as shown in FIG. 10, the calculation unit 27 performs a calculation on a thousand yen ticket as in the case of a 10,000 yen ticket. That is, the number of thousand yen coupons y indicated in the appropriate amount information is compared with the number b of thousand yen tickets indicated in the amount information, and the thousand yen coupon indicated in the appropriate amount information is displayed. When the number of thousand yen bills b indicated in the information on the amount of money is larger than the number y, the calculation indicated by b−y is performed, and the difference is calculated as the number of thousand yen coupons to be collected. When the number y of thousand yen tickets indicated in the appropriate amount information is equal to or greater than the number b of thousand yen tickets indicated in the amount information, the calculation result of 0 is output assuming that there is no thousand yen ticket to be collected. .

  Specifically, the number of 10,000 yen vouchers for appropriate high-value information is 2000 and 1000 yen for 1000 yen, and the number of 10,000 yen vouchers for high-value information is 2200 and 1000 yen Is 1300 sheets, the calculation unit 27 calculates the number of 10,000 yen tickets to be collected by performing 2200-2000 sheets as shown in the following formula, and calculating 200 sheets. As shown in the following equation, 1300-1000 sheets are calculated and 300 sheets are calculated.

  The calculated value is sent to the counting unit 24 as the number of banknotes to be collected. The counting unit 24 that has received the collected amount of banknotes activates the transport control unit 28 and transports the 10,000 yen ticket accommodated in the stacker 23. That is, the counting unit 24 collects 200 thousand yen coupons from the stacker 23 in order to leave 2000 pieces in the stacker 23 as appropriate amount from 2200 10,000 yen coupons accommodated in the stacker 23, and cash cassette The banknotes are identified and counted in order to perform control to be conveyed to 22. At this time, as shown in FIG. 9, a display indicating that the bill is being conveyed is displayed on the display input unit 21.

  In addition, the counting unit 24 collects 300 thousand yen tickets from the stacker 23 from the 1300 thousand yen tickets accommodated in the stacker 23 so that 1000 sheets are left in the stacker 23 as an appropriate amount, and the cash cassette 22 In order to perform the control to be conveyed, the bills are identified and counted (step S9).

  When the banknotes having the appropriate height or more are transported from the stacker 23 to the cash cassette 22 by the transport control of the transport control unit 28, a signal indicating the end of transport is sent to the printing unit 29. The printing unit 29 prints the number of banknotes conveyed for each banknote type of banknotes, and also prints the high and low contents held in the ATM 20.

As described above, according to the cash transaction system 10 of the present invention, when collecting cash, the appropriate amount information managed by the management device 40 is acquired by communication, and the appropriate amount information and the current ATM 20 are obtained. Since the amount of cash to be collected is calculated on the basis of the amount information indicating the amount of money, it is not necessary to leave it to the judge's judgment, and the appropriate amount of cash can be held in the ATM 20. Furthermore, since it is not necessary to manually input the amount of cash to be collected by the clerk, the operation work at the collection site can be reduced, and cash can be quickly collected from the ATM 20 for cash collection. Operation stop time can be shortened.
Furthermore, according to the cash transaction system 10 of the present invention, since the appropriate amount is managed by the management device 40 even if the attendant does not know the appropriate amount, the cash collection can be made to a trader with low labor costs. It can be outsourced and the operation cost can be reduced.

  Furthermore, the appropriate amount information is not held in the ATM 20 but is held and managed by the management device 40 that can be remotely managed. There is no need to re-register the high-value information in the ATM 20, and a convenient system can be constructed.

In the above-described embodiment, the bill has been described as an example, but the appropriate amount of coins may be managed instead of the bill.
In the above-described embodiment, the description is limited to the collection. However, in addition to the collection, when the stacker 23 is replenished with cash, the appropriate height information managed by the management device 40 is acquired and the appropriate height information is acquired. The cash may be replenished from the cash cassette 22 so as to have the height shown in FIG. At that time, a predetermined amount of cash is held in the cash cassette 22 in advance, and the amount of cash that is short of the amount of cash indicated in the appropriate amount information is calculated. Is added to the stacker 23 from the cash cassette 22 to make the cash held at the ATM 20 appropriate. Furthermore, the replenishment process / recovery process is automatically selected so that the replenishment process is performed when the appropriate relevance information is compared and the replenishment process is performed when the relevance information is less than the relevance information indicated by the appropriate relevance information. Thus, the height in the ATM 20 may be optimized. In other words, when the replenishment / collection button is pressed on the maintenance operation screen in FIG. 4, as shown in FIG. 11, the height optimization button is displayed on the screen, and when the height optimization button is pressed, The cash replenishment process / collection process is performed to optimize the amount of the ATM 20.

It is a block diagram of the cash transaction system of the present invention. It is a database block diagram of an appropriate amount information storage part. It is a flowchart which shows operation | movement of the cash transaction system of this invention. It is a figure which shows the menu screen for a maintenance. It is a figure which shows an item selection screen. It is a figure which shows a confirmation screen. It is a figure which shows an operation | movement selection screen. It is a figure which shows the screen during communication. It is a figure which shows during banknote collection | recovery. It is explanatory drawing of the calculation content of a calculating part. It is a figure which shows the item selection screen of height optimization.

Explanation of symbols

10 Cash Transaction System 20 ATM
DESCRIPTION OF SYMBOLS 21 Display input part 22 Cash cassette 23 Stacker 24 Counting part 25 Memory | storage part 26 ATM communication part 27 Calculation part 28 Conveyance control part 29 Printing part 30 ATM control part 40 Management apparatus 41 Management communication part 42 Proper height information storage part 43 Proper existence High information search unit 44 Management control unit 50 Network

Claims (6)

In a cash transaction device that manages the amount of cash held using a cash cassette,
Obtaining appropriate high-value information from appropriate high-value management devices;
In order to hold the appropriate amount of cash shown in the acquired appropriate amount information, based on the appropriate amount information and the amount information indicating the amount of cash held, between the cash cassette A cash transaction apparatus characterized by obtaining a quantity of cash to be conveyed. In a cash transaction system that uses a cash cassette to manage the amount of cash held in a cash transaction device,
The appropriate height information storage unit that holds the appropriate amount information indicating the amount of cash held in the cash transaction apparatus, and the appropriate amount information from the appropriate amount information storage unit in response to an appropriate amount information acquisition request. A management device comprising an appropriate amount information search unit that retrieves and acquires, and an appropriate amount information communication unit that notifies the cash transaction device of the appropriate amount information acquired by the appropriate amount information search unit,
A proper height information acquisition communication unit for obtaining the appropriate height information from the management device, a counting unit that counts the cash held, a height information storage unit that holds a counting result as height information, Based on the appropriate amount information obtained from the management device and the amount information of the amount information storage unit, in order to have the cash transaction device hold the appropriate amount of cash shown in the appropriate amount information, Cash provided with a calculation unit that calculates the amount of cash to be transferred to and from the cash cassette, and a transfer control unit that controls transfer of cash to and from the cash cassette based on the calculation result of the calculation unit A transaction device;
A cash transaction system comprising: The cash transaction apparatus is provided with an identification code for identification with other cash transaction apparatuses,
The said appropriate amount information acquisition communication part attaches | subjects the identification code provided, and requests | requires appropriate amount information acquisition,
The appropriate height information search unit searches and acquires the appropriate height information stored in association with the identification code from the appropriate height information storage unit based on the identification code attached. The cash transaction system according to claim 2. The calculation unit, when the amount shown in the amount information is larger than the amount shown in the appropriate amount information, the amount difference is calculated as a recovered cash amount,
The cash transfer system according to claim 2, wherein the transfer control unit performs transfer control of cash in order to collect cash from the cash transaction apparatus to the cash cassette based on the collected cash quantity. The arithmetic unit, when the amount shown in the amount information is less than the amount shown in the appropriate amount information, the amount difference is calculated as a supplementary cash amount,
The said conveyance control part performs conveyance control of cash so that the cash previously accommodated in the said cash cassette may be supplemented to the said cash transaction apparatus based on the said supplementary cash quantity. Cash transaction system. 3. The cash transaction system according to claim 2, wherein the management device is provided in at least one of a host device and an external server device of a financial institution.

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