JP2006097271A - Safe-deposit box system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a safe-deposit box system which dispenses with a large installation space, and allows the user to use the system without having an account in a banking institution or an account card. <P>SOLUTION: The safe-deposit box system 1 is comprised of a consumer transaction facility 2, a safe-deposit box device 3 controlled by the consumer transaction facility 2, and a safe-deposit box control center 4 connected to the consumer transaction facility 2, controls information on a deposit bag which is deposited by the user and to be housed in a safe section of the safe-deposit box device 3, and can carry out communication to/from the banking institution. According to the system the user inputs deposit information via the consumer transaction facility 2, and after payment of a charge, the user puts the deposit bag in which an article to be deposited is stored, into the safe-deposit box device 3. Then the safe-deposit box control center 4 registers the deposit information therein, and issues an instruction of transferring the deposit bag, based on the deposit information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a safe deposit system using an automatic transaction apparatus.

  Conventionally, a safe deposit box has been installed in banks and the like. In order to use such a safety deposit box, a procedure for applying for use is necessary in advance, and it is not possible to deal with cases in which storage of important documents or the like is urgently needed. In order to use a bank safe, you must have an account at the bank. Furthermore, the safe deposit box is available only during the hours when the bank is open.

Japanese Patent Laid-Open No. 11-159247 discloses a safe deposit system in a bank. This is a system in which a plurality of safes are installed around an automatic transaction apparatus, each user uses one safe individually, and the safe is managed by the automatic transaction apparatus. In this system, the user's account information and the like are inquired using a card, and the use is judged or cashless transaction is performed.
JP-A-11-159247

  However, in the conventional safe deposit system disclosed in the above document, a large number of safes are installed around the automatic transaction apparatus, so that a large installation space is required, and it is difficult to realize the system in a small store. Another problem is that those who do not have a bank account or card to use cannot use the safe deposit box. In addition, since only one user can use one safe, the maximum number of users is limited to the number of safes installed, and more people cannot use it. In addition, when the number of long-term users increases, the number of safes that can be newly used decreases, and the number of safes that can be used increases.

  In order to solve the above-described problems, the present invention is connected to an automatic transaction apparatus, a safe depositor apparatus having a safe unit that stores a deposit bag that is controlled by the automatic transaction apparatus and is deposited by a user, and the automatic transaction apparatus. The automatic transaction apparatus comprises an input means for managing the information relating to the deposit bag and comprising a safe deposit management center capable of communicating with a financial institution, and a user inputs the deposit information. After payment is made at the time of depositing the deposit bag, the safe deposit device is instructed to unlock the deposit port of the safe unit to allow the deposit of the deposit bag to the safe unit, and the deposit When the bag is inserted, the lock slot is instructed to lock, and the safe depositor management center registers the deposit information input by the input means and instructs the transfer of the deposit bag based on the deposit information. It is characterized in that.

  According to the present invention configured as described above, when depositing a deposit bag, the deposit information is input by the input means. Deposit information is registered at the safe deposit box management center. Deposits can be made by entering deposit information, and deposits into a safe deposit box can be made without the need for an account or card of a financial institution. Since the safe deposit box management center instructs transfer of the deposit bag based on the deposit information, the deposit bag can be posted to the safe deposit box any number of times, and the number of users is not limited. In addition, since only one safe deposit box is required, a large installation space is not required.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings. FIG. 1 is an explanatory view showing an outline of a safe deposit system according to a first embodiment of the present invention, and FIG. 2 is an external view showing an automatic transaction apparatus and a safe deposit apparatus according to the first embodiment.

  In FIG. 1, a safe deposit system 1 according to the first embodiment includes an automatic transaction apparatus 2, a safe deposit apparatus 3, and a safe deposit management center 4. The automatic transaction apparatus 2 and the safe deposit apparatus 3 will be described later. The safe deposit box management center 4 is connected to the automatic transaction apparatus 2 through a dedicated line 5 and is also connected to a partner bank host system 6. The safe deposit management center 4 has a function of registering deposit information, which will be described later, and a function of sending an instruction to the transport vehicle 7 of the security company.

  In FIG. 2, the automatic transaction apparatus 2 and the safe deposit apparatus 3 are installed side by side in a convenience store, for example. The automatic transaction apparatus 2 includes a liquid crystal display unit 11 with a touch panel that displays information and is operated by a user, a receipt issue port 12 from which a receipt is issued, a card insertion / discharge port 13 into which a card is inserted / discharged, and a bill. A bill insertion / discharge port 14 and a numeric keypad unit 15 to be inserted / discharged are provided.

  The safe deposit box 3 is provided with a loading port 16 for depositing a deposit bag, a receipt issuing port 17 provided adjacent to the deposit port 16, and a safe unit 18 for accommodating the deposit bag.

  FIG. 3 is an explanatory diagram showing the internal structure of the safe deposit box. In FIG. 3, a shutter 20 is provided on the inner side of the insertion port 16 (indicated by a dotted line) so as to be rotatable downward about the fulcrum portions 21 a and 21 b. Although not shown, coil springs are arranged on the fulcrum portions 21a and 21b so that the rotation is smooth and the bag is securely closed after the deposit bag is opened. The tip of the lever 22 is positioned below the shutter 20. When the tip of the lever 22 enters the lower side of the shutter 20, the shutter 20 cannot be rotated downward and is locked in the closed state. The lever 22 is rotatable around a fulcrum 23.

  The lever 22 is rotated by the shutter magnet 25 via the link 24. A spring 26 is disposed at the tip slide portion of the shutter magnet 25, and the link 24 reciprocates when the shutter magnet 25 is turned on / off. When the shutter magnet 25 is off, as shown in the figure, the tip of the lever 22 enters the lower side of the shutter 20 to prevent the shutter 20 from rotating and lock. When the shutter magnet 25 is on, the lever 22 rotates and the tip portion thereof is retracted from the lower side of the shutter 20 so that the shutter 20 can be opened and closed.

  A guide 27 is provided below the shutter 20. The guide 27 is used to guide the deposit bag that is posted from the posting port 16 to the safe input port 28 of the safe unit 18. Bar code scanners 29 and 30 are provided above the guide 27 and below the guide 27. The barcode scanners 29 and 30 read the barcode of the deposit bag on the guide 27. The deposit bag has an envelope shape, and the barcode of the deposit bag can be read by one of the two barcode scanners 29 and 30. The guide 27 is formed of a transparent member. In addition to providing the barcode scanners 29 and 30, an IC tag is embedded in the bag, and an IC tag detection unit is provided in the guide 27. By using this together, it is possible to more reliably recognize the bag. it can.

  A safe shutter 31 is provided at the safe slot 28 so as to be rotatable about a fulcrum 32. The safe shutter 31 is opened and closed by a safe shutter opening / closing magnet 33. The safe shutter opening / closing magnet 33 is connected to the side of the safe shutter 31 via the link 34 and the lever 35, and when the safe shutter opening / closing magnet 33 is turned on, the safe shutter 31 is closed. The safe shutter 31 can be opened by turning off the safe shutter opening / closing magnet 33. A spring 36 is attached to the safe shutter opening / closing magnet 33, and when the safe shutter opening / closing magnet 33 is OFF, the link 34 is moved upward.

  A safe shutter magnet 37 is provided on the opposite side of the fulcrum 32 of the safe shutter 31. A lever 40 is attached to the safe shutter magnet 37 via a spring 38 and a link 39, and a tip 40a of the lever 40 enters the lower side of the safe shutter 31 when the safe shutter 31 is closed. When the safe shutter 31 is closed, the tip 40a of the lever 40 is retracted from the lower side of the safe shutter 31 when the safe shutter magnet 37 is turned on, and the tip of the lever 40 is turned off when the safe shutter magnet 37 is turned off. 40 a enters the lower side of the safe shutter 31. Since the safe shutter 31 is locked in a closed state during normal standby of the apparatus 3, the safe shutter 31 can be locked in an off state, and power consumption during standby can be suppressed.

  FIG. 4 is a block diagram showing an automatic transaction apparatus and a safe deposit box apparatus. In FIG. 4, the automatic transaction apparatus 2 is provided with a control unit 51 that controls the operation of the entire apparatus. The control unit 51 includes a banknote deposit / withdrawal unit 52 that performs banknote deposit / withdrawal processing, and a receipt that issues a receipt. The printer 53, the card reader / writer 54 for reading and writing data to and from the captured card, the liquid crystal display unit 11 with touch panel and the numeric keypad 15 are connected, and the control unit 51 controls them. The banknote deposit / withdrawal unit 52 is connected to the banknote insertion / discharge port 14 shown in FIG. 2, the receipt printer 53 is connected to the receipt issue port 12, and the card reader / writer 54 is connected to the card insertion / discharge port 13. As an automatic transaction apparatus, a coin deposit / withdrawal unit 55 may be provided in addition to the above-described units.

  The safe deposit apparatus 3 is controlled by the control unit 51 of the automatic transaction apparatus 2. The depositing entry door lock mechanism 56 of the safe deposit apparatus 3 includes the shutter 20, the lever 22, the link 24, and the shutter magnet 25 described in FIG. The safe box opening / closing lock mechanism 57 includes the safe shutter 31, the safe shutter open / close magnet 33, the link 34, the lever 35, the safe shutter magnet 37, the link 39, and the lever 40 described with reference to FIG. The barcode scanner 58 is the barcode scanner 29 or 30 shown in FIG.

  Next, the operation of the first embodiment will be described. Here, the operation when depositing is described according to the flowcharts of FIGS. 5 and 6. 5 and 6 are flowcharts showing the depositing operation of the automatic transaction apparatus according to the first embodiment.

  A user goes to a place where an automatic transaction apparatus 2 such as a convenience store and a safe deposit apparatus 3 are installed. Here, a predetermined envelope (deposit bag) dedicated to deposit is purchased, the recipient and contact information are entered in the deposit bag, and the deposit is put in the envelope and sealed. The user stands in front of the automatic transaction apparatus 2 with a deposit bag containing the deposited items.

  In the automatic transaction apparatus 2, when an approach sensor (not shown) detects the approach of the user, the control unit 51 displays a transaction item selection screen on the liquid crystal display unit 11 with a touch panel (step 1). The transaction item includes a “safe deposit box” transaction, and the user presses the “safe deposit box” button. When another transaction button is pressed, the pressed transaction process is performed.

  When it is detected that the “safety bank” transaction has been selected (step 2), it is checked whether the user's deposit information is registered (step 3). Here, the advance registration of deposit information will be described. The user can register deposit information in advance using the Internet or a mobile phone. For example, when the Internet or a mobile phone is connected to the safe deposit management center 4 shown in FIG. 1 and deposit information is entered, the entered deposit information is registered in the safe deposit management center 4. The deposit information includes the user's name, the user's contact telephone number, the name of the deposit, the estimated value of the deposit, the storage period, the receiving location, and the like. When deposit information is registered, the registration number is notified to the user from the safe deposit management center 4.

  If deposit information has already been registered in step 3, a screen for entering a registration number is displayed (step 4). When the user inputs the registration number (step 5), a screen for inputting the envelope number is then displayed (step 6). The envelope number is a number written on the deposit bag and is a number that can identify the deposit bag.

  If the deposit information is not registered, a screen for registering the deposit information is displayed (step 7). In accordance with the guidance on the display screen, the user inputs deposit information such as the user's name, the user's contact telephone number, the name of the deposit, the estimated value of the deposit, the storage period, and the receiving location. The entered deposit information is transmitted from the automatic transaction apparatus 2 to the safe depository management center 4. When the user inputs deposit information (step 8), the process proceeds to step 6.

  When the user inputs an envelope number in step 6 (step 9), a confirmation screen is then displayed (step 10). Deposit information is displayed on the confirmation screen. If the deposit information has been registered, the deposit information is transmitted from the safe deposit management center 4 using the registration number. If not, the deposit information entered in step 7 is displayed. If there is no correction on the confirmation screen, the process proceeds to the next step by pressing the confirmation button displayed on the confirmation screen (step 11). If an error is found on the confirmation screen, or if it is desired to correct any item, the user corrects it using the liquid crystal display unit 11 with a touch panel, and the deposit information is rewritten with the corrected information (step 12).

  When the deposit information is confirmed, the deposit information is sent from the automatic transaction apparatus 2 to the safe deposit management center 4. The safe deposit management center 4 calculates a fee based on the received deposit information. Then, the calculated fee information is transmitted to the automatic transaction apparatus 2. The automatic transaction apparatus 2 displays the charge on the liquid crystal display unit 11 with a touch panel (step 13). At the same time, a screen for selecting a payment method, that is, a screen for selecting whether to pay by cash or by card (cash card) is displayed (step 14).

  When the user selects cash payment, a payment method is displayed on the liquid crystal display unit 11 with a touch panel, and the user inserts cash from the bill input / output port 14 or a coin input port (not shown) according to the display. The banknote deposit / withdrawal unit 52 or the coin deposit / withdrawal unit 55 performs deposit processing, and when change is required, the change is discharged (step 15). In the case of a device that does not have a coin deposit / withdrawal unit, a part of the fee is postpaid.

  When the user selects payment by card, a guide for inserting the card from the card insertion / extraction port 13 is displayed (step 16), and card insertion is prompted. When the user inserts the card, the next guidance for inputting the password is displayed (step 17). When the personal identification number is input, the automatic transaction apparatus 2 inquires of the center computer and confirms whether the personal identification number is correct or not. If it is determined that payment is possible, the fee is deducted from the account and the process goes to step 18. move on.

  When the fee is paid, the automatic transaction apparatus 2 issues a receipt by the receipt printer 53 (step 18). Two receipts are issued, one for the user, and the other for pasting to the deposit bag. When issuing a receipt, a message is displayed on the liquid crystal display unit 11 with a touch panel to affix one to the deposit bag.

  When the user pulls out the receipt receipt from the receipt issuing port 12, the control unit 51 gives an instruction to unlock the shutter to the depositing port lock mechanism 56 and the safe port opening / closing lock mechanism 57 of the safe deposit apparatus 3. Along with step 19), guidance for posting the deposit bag to the safe deposit box device 3 is displayed to the user (step 20).

  In the safe deposit box 3, the shutter magnet 25 of the depositing entrance lock mechanism 56 is in the off state and the shutter 20 is closed. Also, the safe box opening / closing lock mechanism 57 is locked with the safe shutter magnet 37 in the off state and the safe shutter 31 in the closed state. In response to a lock release instruction from the control unit 51, the shutter magnet 25 is turned on, the lever 22 is retracted from the lower side of the shutter 20, and the shutter 20 can be opened and closed. The safe shutter magnet 37 is turned on by the unlocking instruction from the control unit 51, and the safe shutter 31 can be opened and closed.

  When the user drops the deposit bag into the loading slot 16 according to the display guidance, the deposit bag falls on the guide 27, and at this time, the barcode scanner 29 or the barcode scanner 30 recognizes the barcode of the deposit bag. The recognized information is sent to the control unit 51. By receiving this information, the control unit 51 recognizes that the deposit bag has been posted in the safe deposit box device 3. The deposit bag is guided by the guide 27 and is accommodated in the safe 18 from the safe slot 28. The automatic transaction apparatus 2 notifies the safe deposit box management center 4 that the deposit bag is accommodated in the safe deposit box apparatus 3. An optical sensor may be provided as means for detecting that the deposit bag has been posted on the safe deposit box device 3. However, by recognizing the barcode of the deposit bag with the barcode scanner 29 or 30, it is possible to reliably recognize which deposit bag has been posted.

  Here, the envelope number printed on the deposit bag may be read by the barcode scanner 29 or 30. In this way, it is not necessary for the user to input the envelope number, and it is possible to prevent an erroneous input of the envelope number.

  Next, the control unit 51 gives an instruction to lock the shutter to the depositing port lock mechanism 56 and the safe port opening / closing lock mechanism 57 of the safe deposit box device 3 (step 21). The safe shutter 31 is closed by turning on the safe shutter opening / closing magnet 33 of the safe door opening / closing lock mechanism 57, and the safe shutter magnet 37 is turned off in this state, so that the lever 40 is locked with the safe shutter 31 closed. . Further, by turning off the shutter magnet 25 of the depositing entrance lock mechanism 56 with the shutter 20 closed, the tip of the lever 22 enters the lower side of the shutter 20 to be locked.

  Next, the automatic transaction apparatus 2 issues a deposit confirmation slip by the receipt printer 53 (step 22). The deposit confirmation slip is used when the recipient receives the deposited bag, and describes the envelope number of the deposited bag.

  This completes the deposit process. The safe deposit management center 4 stores the deposit information of the user, the envelope number of the deposit bag, and the accommodation information of the deposit bag in the safe deposit box 3. Further, when the fee is partially unpaid, the information indicating that the fee is partially unpaid and unpaid fee information is also stored.

  The deposit bag accommodated in the safe deposit apparatus 3 is taken out from the safe deposit apparatus 3 and transported to the receiving place in the deposit information. The contracted security company will take out and carry the deposit bag from the safe deposit box 3. An instruction to carry the deposit bag is issued from the safe deposit management center 4 to the security company. The security company goes to the store where the safe deposit box device 3 is installed regularly or as necessary to carry the deposited bag.

  In FIG. 1, the person in charge of the security company goes to the store where the safe deposit apparatus 3 is installed, takes out the deposited bag from the safe deposit apparatus 3, and transports it to the recipient of the deposited bag with the transport vehicle 7. The transport vehicle 7 is informed of the recipient of the deposit bag from the safe deposit box management center 4. If the recipient of the deposit bag is the branch 8 of the partner bank, the deposit bag is brought into this branch 8. Deposit information and envelope number of the deposited bag are sent to the branch 8 from the safe deposit box management center 4 via the affiliated bank host system 6.

  Next, the receipt process of the deposited bag at the recipient will be described. In this case, it is assumed that the deposited bag has already arrived at the receiving branch 8. The recipient goes to the branch 8, tells the staff at the branch 8 that he / she wants to receive the bag, and presents a deposit confirmation slip or receipt receipt issued at the time of deposit and an identification card such as a driver's license. .

  The person in charge at the branch 8 confirms whether or not the recipient is the recipient with an identification card or the like, and confirms whether the due date is within the registered period. If the person who is sent is not the recipient, the deposited bag is not returned, and if the person is the recipient, the deposited bag is returned. In addition, if you come after receiving the registration period, and if some of the charges are unpaid at the time of deposit, you will be required to pay the excess charges or unpaid charges.

  When the person in charge at the branch 8 hands the deposit bag to the recipient, he / she receives a deposit confirmation slip or receipt receipt from the recipient and copies the recipient's identification card and stores it together with the deposit confirmation slip or receipt receipt. Thus, the receipt of the deposited bag at the recipient designated by the depositor is completed.

  In the first embodiment, the branch of the affiliated bank to which the deposit bag is transported is limited to the vicinity of the store where the safe deposit apparatus 3 in which the deposit bag is deposited is installed. By installing the safe deposit apparatus 3 together with the automatic transaction apparatus 2, it is possible to carry the deposit bag simultaneously with the transfer of cash for replenishment / collection of the automatic transaction apparatus 2, thereby realizing cost savings for the security company. be able to.

  As described above, according to the first embodiment, since the safe deposit apparatus is provided under the control of the automatic transaction apparatus, it is possible to deposit while the automatic transaction apparatus is in operation, and the available time zone for deposit is expanded. The In particular, in an automatic transaction apparatus operating in 24 hours in recent years, it is possible to make a regular deposit. In addition, since a single safe deposit box can be used by a plurality of users, it is not necessary to install a large number of safe deposit boxes, and the installation area can be saved.

  Furthermore, by paying the fee in cash, even those who do not have a bank account or card can deposit. Further, in the first embodiment, since the deposits are put in a dedicated deposit bag and stored in the safe deposit box, it is possible to deposit other than cash.

  Next, a safe deposit system according to a second embodiment will be described. FIG. 7 is an explanatory diagram showing an overview of the safe deposit system according to the second embodiment. The safety deposit box system according to the second embodiment receives a deposit bag even when the depositor and the recipient are different from each other, and even when the receipt location of the deposit bag is a long distance from the deposit location. It is possible.

  7, in the safe deposit box system 61 of the second embodiment, a safe deposit box management center 63 is provided in the bank A host system 62, and a deposit bag collection / delivery center 64 is provided in addition to the safe deposit box management center 63. Yes. Similarly, a bank safe management center 66 is also provided in the host system 65 of the bank B, which is affiliated with the bank A, and a deposit bag collection / delivery center 67 is provided in addition to the safe deposit management center 66. The bank A safe deposit management center 63 and the bank B safe deposit management center 66 can communicate with each other.

  The safe deposit system 61 of the second embodiment is provided with a mobile phone center 68. The mobile phone center 68 can communicate with personal (user) mobile phones 69 and 70, and each safe deposit box. Communication with the management centers 63 and 67 is also possible.

  The A bank host system 62 is provided with an automatic transaction apparatus 71 and a safe deposit apparatus 3 as in the first embodiment. The structure of the safe deposit apparatus 3 is the same as that of the first embodiment, and a description thereof is omitted. The structure of the automatic transaction apparatus 71 is shown in FIG.

  In FIG. 8, the automatic transaction apparatus 71 is provided with an infrared communication unit 72, and the other configuration is the same as that of the first embodiment. The infrared communication unit 72 is for transmitting and receiving data to and from the user's mobile phones 69 and 70. As in the first embodiment, the automatic transaction apparatus 71 places the safe deposit apparatus 3 under its own control.

  Next, the operation of the second embodiment will be described. First, the case of registering deposit information will be described with reference to the flowchart of FIG. FIG. 9 is a flowchart showing the deposit information registration operation of the second embodiment. Registration of deposit information in the second embodiment is performed using a mobile phone owned by the user. Therefore, the operation of the user's mobile phone 69 shown in FIG. 7 will be mainly described here.

  First, the user connects the mobile phone 69 to the mobile phone center 68 (step 31). In response to this, the cellular phone center 68 transmits guidance information for inputting deposit information to the cellular phone 69. The mobile phone 69 displays guidance information on the screen and prompts the user to input deposit information (step 32).

  On the guidance screen, in addition to the user's name, the user's mobile phone number, the name of the deposit, the estimated value of the deposit, the storage period, the receiving location, the recipient's name, the recipient's mobile phone number, etc. The input screen is displayed, and the user inputs the deposit information according to the guidance.

  When deposit information is input by the user (step 33), a screen for inputting an envelope number is then displayed (step 34). The envelope number is a number written on the deposit bag and is a number that can identify the deposit bag. The user has already purchased and possessed a bag.

  When the user inputs an envelope number in step 34 (step 35), a confirmation screen is then displayed (step 36). On the confirmation screen, the deposit information entered by the user in step 34 is displayed. If there is no correction on the confirmation screen, the process proceeds to the next step by pressing the confirmation button displayed on the confirmation screen (step 37). When an error is found on the confirmation screen or when it is desired to correct some item, the user corrects the item and the deposit information is rewritten with the corrected information (step 38).

  When the deposit information is confirmed, the deposit information is transmitted to the mobile phone center 68 (step 39) and registered in the mobile phone center 68. The deposit information is also sent to the safe deposit management center 63 and registered in the center 63. Then, the registration number is transmitted from the mobile phone center 68 to the mobile phone 69, and the registration number is displayed and stored (step 40). This completes the deposit information registration process.

  Next, the operation when depositing will be described according to the flowcharts of FIGS. 10 and 11 are flowcharts showing the depositing operation in the automatic transaction apparatus.

  In FIG. 10, the user first goes to the store where the automatic transaction apparatus 71 is installed together with the safe deposit apparatus 3. If you have not yet purchased a deposit bag, purchase a deposit bag, enter the recipient and contact information in the deposit bag, and place the deposit in the envelope and seal it. When the user approaches, the automatic transaction apparatus 71 displays a transaction selection screen (step 41), and the user presses the “safety box” button.

  When it is detected that the “safe deposit box” button has been pressed (step 42), the automatic transaction apparatus 71 checks whether or not deposit information has been registered in advance (step 43). If not registered, the deposit information registration process described in FIG. 9 is performed. If already registered, a screen for inputting a registration number is displayed next (step 44). When the user inputs a registration number (step 45), a screen for inputting an envelope number is displayed (step 46).

  When the user inputs an envelope number in step 45 (step 47), a confirmation screen is then displayed (step 48). The registered deposit information is displayed on the confirmation screen. If there is no correction on the confirmation screen, the process proceeds to the next step by pressing the confirmation button displayed on the confirmation screen (step 49). If an error is found on the confirmation screen, or if it is desired to correct some item, the user corrects the corresponding part, and the deposit information is rewritten with the corrected information (step 50).

  The automatic transaction apparatus 71 sends the confirmed deposit information to the safe deposit management center 63. The safe deposit management center 63 registers the received deposit information and calculates a fee based on the deposit information. Then, the calculated fee information is transmitted to the automatic transaction apparatus 71. The automatic transaction apparatus 71 displays the sent fee information on the liquid crystal display unit 11 with a touch panel (step 51).

  In FIG. 11, the automatic transaction apparatus 71 displays a screen for selecting a payment method for the next fee. Here, a screen for selecting whether to pay by cash, pay by card (cash card), or pay using mobile phone 69 is displayed (step 52).

  When the user selects cash payment, a payment method is displayed on the liquid crystal display unit 11 with a touch panel, and the user inserts cash from the bill input / output port 14 or a coin input port (not shown) according to the display. The banknote deposit / withdrawal unit 52 or the coin deposit / withdrawal unit 55 performs deposit processing, and when change is necessary, the change is discharged (step 53). In the case of a device that does not have a coin deposit / withdrawal unit, a part of the fee is postpaid.

  When the user selects payment by card, a guide for inserting the card from the card insertion / ejection slot 13 is displayed (step 54), and card insertion is prompted. When the user inserts the card, the next guidance for inputting the password is displayed (step 55). When the personal identification number is input, the automatic transaction apparatus 71 inquires of the center computer, confirms whether the personal identification number is correct or not, and if it is determined that the payment is possible, the fee is deducted from the account, and the process goes to step 57. move on.

  When the user selects payment using the mobile phone 69, the user brings the mobile phone 69 close to the automatic transaction apparatus 71 and can communicate with the infrared communication unit 72. In this state, payment information is sent from the mobile phone 69 to the automatic transaction apparatus 71 (step 56). Payment is made by sending the mobile phone 69 number as the payment information.

  When the fee is paid, the automatic transaction apparatus 71 issues a receipt by the receipt printer 53 (step 57). Two receipts are issued, one for the user, and the other for pasting to the deposit bag. When issuing a receipt, a message is displayed on the liquid crystal display unit 11 with a touch panel to affix one to the deposit bag.

  When the user pulls out the receipt receipt from the receipt issuing port 12, the control unit 51 gives an instruction to unlock the shutter to the depositing port lock mechanism 56 and the safe port opening / closing lock mechanism 57 of the safe deposit apparatus 3. Along with step 58), a guidance for posting the deposited bag to the safe deposit apparatus 3 is displayed to the user (step 59).

  In response to the unlocking instruction from the control unit 51, in the safe deposit box apparatus 3, the shutter magnet 25 of the depositing entrance lock mechanism 56 is turned on, the lever 22 is retracted from the lower side of the shutter 20, and the shutter 20 can be opened and closed. Further, in response to an unlocking instruction from the control unit 51, the safe shutter magnet 37 of the safe door opening / closing lock mechanism 57 is turned on, and the safe shutter 31 can be opened and closed.

  When the user places the deposit bag into the loading port 16 according to the display guidance, the deposit bag recognizes the barcode of the deposit bag on the guide 27 by the barcode scanner 29 or the barcode scanner 30. The recognized information is sent to the control unit 51. By receiving this information, the control unit 51 recognizes that the deposit bag has been posted on the safe deposit box device 3, and has a shutter for the deposit slot lock mechanism 56 and the safe deposit slot opening / closing lock mechanism 57 of the safe deposit box 3. An instruction to lock is issued (step 60). The safe shutter 31 is closed by turning on the safe shutter opening / closing magnet 33 of the safe door opening / closing lock mechanism 57, and the safe shutter magnet 37 is turned off in this state, so that the lever 40 is locked with the safe shutter 31 closed. . Further, by turning off the shutter magnet 25 of the depositing entrance lock mechanism 56 with the shutter 20 closed, the tip of the lever 22 enters the lower side of the shutter 20 to be locked.

  The deposit bag is guided by the guide 27 and is accommodated in the safe 18 from the safe slot 28. Next, the deposit information is transmitted from the automatic transaction apparatus 71 to the mobile phone center 68 (step 61). Thus, the deposit process by the automatic transaction apparatus 71 is completed.

  The mobile phone center 68 transmits the deposit ticket information to the depositor's mobile phone 69 based on the received deposit information. The deposit ticket information is used when the recipient receives the deposit bag, and describes the envelope number of the deposit bag. Since the deposit ticket information is electronic data, the depositor can transmit the deposit ticket information to the mobile phone 70 of the recipient.

  The safe deposit management center 63 stores the deposit information of the user, the envelope number of the deposit bag, and the accommodation information of the deposit bag in the safe deposit apparatus 3. Further, when the fee is partially unpaid, the information indicating that the fee is partially unpaid and unpaid fee information is also stored.

  In FIG. 7, the deposit bag accommodated in the safe deposit apparatus 3 is taken out from the safe deposit apparatus 3 and transported to the deposit bag collection / delivery center 64 of the safe deposit box management center 63 by the transport company of the security company entrusted. The security company goes to the store where the safe deposit box device 3 is installed regularly or as necessary to carry the deposited bag.

  The deposited bags collected at the deposited bag collection and delivery center 64 are sorted by destination. Here, assuming that the destination of the deposit bag deposited by the user is the B bank branch 65a, the deposit bag is once sent from the deposit bag collection / delivery center 64 to the deposit bag collection / delivery center 67 of the B bank host system. It is transported to the bank branch 65a. Deposit information and envelope number of the deposit bag are sent from the safe deposit management center 63 to the bank B branch 65a via the safe deposit management center 66 of the bank B host system 65.

  Next, the receipt process of the deposited bag at the recipient will be described. Here, it is assumed that the deposit bag has already arrived at the receiving bank B branch 65a. Also, it is assumed that the recipient is different from the depositor and has received deposit ticket information from the depositor on his / her mobile phone 70. The recipient goes to the bank B branch 65a and informs the staff at the branch 65a that he / she receives the deposited bag.

  First, the recipient moves his / her mobile phone 70 closer to the terminal provided at the bank according to the instruction of the counter staff, and transmits the deposit ticket information from the mobile phone 70 to the terminal using the infrared communication function. Recipients also present identification cards such as driver's licenses and insurance cards to bank staff. In addition, it is good also as an operation | movement which omits presentation of an identification card | curd by possession of deposit ticket information and a mobile telephone.

  The person in charge at bank B branch 65a confirms whether or not the recipient is registered as deposit information on the identification card, and confirms whether the due date is within the registered period. If the person who is sent is not the recipient, the deposited bag is not returned, and if the person is the recipient, the deposited bag is returned. Also, if you have received your registration after the registered period, or if you have not paid the fee at the time of deposit, you will be required to pay the excess fee or the unpaid fee.

  When the bank B branch 65a gives the recipient a deposit bag, the recipient's identification is copied and stored. As described above, at the recipient designated by the depositor, the receipt of the deposit bag by the recipient different from the depositor is completed.

  As described above, in the second embodiment, in addition to the effects of the first embodiment, even when the depositor is different from the recipient, the deposit ticket information is transmitted from the depositor to the recipient's mobile phone. By doing so, the recipient can receive the deposited bag only by presenting his / her identification card. Moreover, there is an effect that it is possible to deliver the deposit bag to the recipient at a remote place by moving the deposit bag through the safe deposit management center of a plurality of banks.

  In each of the embodiments described above, the system in which the safe deposit apparatus 3 is provided together with the automatic transaction apparatus has been described. However, as shown in FIG. 12, the safe deposit apparatus may be built in the automatic transaction apparatus. In this case, the automatic transaction apparatus 81 is not provided with a coin deposit / withdrawal unit, and a safe deposit apparatus 82 is mounted in the space. By incorporating the safe deposit apparatus 82 in this way, the installation area in the installation store can be further saved.

It is explanatory drawing which shows the outline | summary of the safe deposit system of 1st Embodiment. It is an external view which shows the automatic transaction apparatus and safe deposit apparatus of 1st Embodiment. It is explanatory drawing which shows the internal structure of a safe deposit box apparatus. It is a block diagram which shows an automatic transaction apparatus and a safe deposit apparatus. It is a flowchart which shows the depositing operation | movement of the automatic transaction apparatus in 1st Embodiment. It is a flowchart which shows the depositing operation | movement of the automatic transaction apparatus in 1st Embodiment. It is explanatory drawing which shows the outline | summary of the safe deposit system of 2nd Embodiment. It is an external view which shows the automatic transaction apparatus and safe deposit apparatus of 2nd Embodiment. It is a flowchart which shows the deposit information registration operation | movement of 2nd Embodiment. It is a flowchart which shows the deposit operation | movement of the automatic transaction apparatus in 2nd Embodiment. It is a flowchart which shows the deposit operation | movement of the automatic transaction apparatus in 2nd Embodiment. It is an external view which shows the automatic transaction apparatus incorporating the safe deposit apparatus.

Explanation of symbols

1, 61 Safe deposit system 2, 71 Automatic transaction device 3 Safe deposit device 4, 63, 66 Safe deposit management center 68 Mobile phone center 69, 70 Mobile phone

Claims (5)

Automatic transaction equipment,
A safe deposit box having a safe that is controlled by the automatic transaction apparatus and accommodates a deposit bag deposited by a user;
It is connected to the automatic transaction apparatus, and manages the information related to the deposited bag, and comprises a safe deposit box management center capable of communicating with a financial institution,
It has an input means for users to input deposit information,
After the payment is made at the time of depositing the deposit bag, the automatic transaction apparatus instructs the safe deposit apparatus to unlock the deposit port of the safe unit, and deposits the deposit bag into the safe unit When the deposit bag is inserted, the lock of the posting port is instructed,
The safe depository management center registers deposit information input by the input means and instructs transfer of the deposit bag based on the deposit information.   The safe depositor system according to claim 1, wherein the input unit includes a portable terminal capable of communicating with the safe depository management center. A portable terminal center capable of communicating with the portable terminal and the safe deposit management center;
3. The safe deposit system according to claim 2, wherein the deposit information is transmitted from the portable terminal to the portable terminal center, and the portable terminal center transmits deposit ticket information indicating that the deposit is made to the portable terminal. The safe deposit apparatus has a means for recognizing a deposit bag from a deposited deposit bag,
2. The safe deposit box system according to claim 1, wherein after the depositing bag is recognized by the recognizing unit, the lock slot is instructed.   2. The safe deposit system according to claim 1, wherein the safe deposit apparatus is built in the automatic transaction apparatus.

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