JP2007226535A - Cash processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent an illegal act of cash extraction by an operator after cash count in a money reception transaction. <P>SOLUTION: An identifier is read from a card of the operator by a card reader part 3 in the money reception transaction, bills and coins counted by a bill depositing/dispensing machine 5 and a coin deposition/dispensing machine 6 are reserved in a temporary reservation part, and thereafter, a screen for guiding to depress a temporary reception key is displayed by a display part 2 when the operator depresses a cancellation key. When the operator depresses the temporary reception key according thereto, the cash reserved in the temporary reservation part is stored in a storage, and a count result and the identifier or the like of the operator are stored in a transaction data memory 9 as temporary reception data. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a cash processing apparatus operated by an operator who handles customer transactions at a window of a financial institution.

Conventionally, in a deposit transaction performed at a financial institution's window, a financial institution operator (teller) deposits a voucher and cash from a customer, operates the input unit of the cash processing device, and the deposit amount and account information described in the voucher Etc., and cash is entered into the device and counted. If the input amount matches the counting result, cash is stored and the transaction is completed. If they do not match, the operator presses the cancel key to enter the transaction. Is canceled, the cash is discharged, and the cash is once returned to the customer (for example, see Patent Document 1).
JP-A-8-50676 (paragraphs “0017” to “0019”, FIG. 3)

However, in the above-described conventional technology, when a deposit transaction is canceled after counting cash, the counting result is not left as a transaction history, and thus there are the following problems.
For example, if the calculation result of the deposited banknote is 10.1 million yen for a slip with 1 million yen entered as the deposit amount, the operator cancels the transaction, discharges the banknote once, and pays 10,000 yen to the customer Since the transaction can be established by counting only 1 million yen again without returning to the system, there is a problem that fraud cannot be prevented.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention provides an input unit for an operator to input information, a display unit for displaying a transaction guidance screen, a card reader unit for reading information recorded on a card, and counting cash at the time of deposit transaction. A cash processing machine that stores cash after counting in a temporary storage unit and then stores it in a storage, a storage unit, and reads an identifier from the card reader unit from an operator's card during a deposit transaction, When transaction cancellation information is input by the input unit after counting the cash, the display unit guides to temporary storage processing, and the temporary storage unit inputs the temporary storage information by the input unit. The stored cash is stored in the storage, and the counting result and the identifier of the operator are stored in the storage unit as temporary storage data.

  In the present invention as described above, when the counted amount is larger than the amount entered in the slip, the cash that is guided to the temporary custody processing and is counted is stored in the storage, and the counting result and the operator's Since the identifier and the like are stored in the storage unit as temporary storage data, an effect of preventing an illegal act of the operator can be obtained.

  Embodiments of a cash processing apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a cash processing apparatus according to an embodiment. As shown in FIG. 1, the cash processing apparatus of this embodiment includes a key input unit 1, a display unit 2, a card reader unit 3, a printing unit 4, It is comprised by the banknote depositing / withdrawing machine (cash processing machine) 5, the coin depositing / withdrawing machine (cash processing machine) 6, the control part 7, the program memory 8, and transaction data memory 9 grade | etc.,.
Here, the key input unit 1 includes character keys, numeric keys, and the like, and an operator inputs information necessary for the transaction by operating these character keys, numeric keys, and the like.

The display unit 2 displays a screen for allowing an operator to select a transaction, a screen for performing operation guidance, or input information, and is configured by an LCD (liquid crystal display) or the like.
The card reader unit 3 reads identification information unique to the operator from a card inserted by the operator. In the present embodiment, the card reader unit 3 also has a function of reading information from the card of the authenticator.
The printing unit 4 prints the transaction details on the receipt and releases it to the operator. In this embodiment, when the transaction is temporarily stored, printing is performed to that effect.

  The banknote depositing / dispensing machine 5 takes in the banknotes set in the banknote depositing port, discriminates the authenticity, denomination, etc. at the discrimination unit and performs counting, holds the banknotes after counting in the temporary holding unit, A deposit function for storing the retained banknotes in the storage after the transaction is established, and a bank note for the amount of money entered by the operator using the key input unit 1 are fed out from the storage to discriminate the denomination and the count. It has a withdrawal function of performing and paying the counted banknotes from the banknote dispensing port, and the configuration of the banknote depositing and dispensing machine 6 will be described with reference to FIG.

  The coin depositing / dispensing machine 6 takes in the coins set in the coin depositing port, discriminates the authenticity, denomination, etc. in the discrimination unit and performs counting, and holds the counted banknote in the temporary holding unit, A deposit function for storing the retained coins in the storage after the transaction is established, and a coin corresponding to the withdrawal amount entered by the operator using the key input unit 1 are fed out from the storage to discriminate the denomination and the count. And has a withdrawal function of paying the coins after counting from the coin withdrawal port.

  The control unit 7 controls the entire cash processing apparatus. Based on a control program (software) stored in the program memory 8, the key input unit 1, the display unit 2, the card reader unit 3, and the printing unit 4 are used. In addition to controlling the operations of the bill depositing / dispensing machine 5 and the coin depositing / dispensing machine 6, it has a function of communicating with a host computer (not shown) to exchange necessary data and execute transactions.

The program memory 8 is a storage unit for storing the control program executed by the control unit 7. The program memory 8 also stores a transaction selection screen, a guidance screen for each processing step in each transaction, an input screen, and the like.
The transaction data memory 9 stores details of transactions executed by the cash processing apparatus as transaction history data. In particular, in this embodiment, after depositing cash (banknotes and coins), the temporary storage key is pressed. If it is, the count result is used as a storage unit for storing the count result together with the operator's identifier and the like as temporary storage data (journal).

FIG. 2 is a side view showing the internal configuration of the banknote depositing / dispensing machine 6.
As shown in this figure, the banknote depositing / dispensing machine 6 includes a banknote depositing port 21 and a loading unit 22 including a plurality of rollers such as a loading roller and a separating roller that separates and loads the banknotes inserted into the banknote depositing port 21 one by one. The first discrimination unit 23 for discriminating the authenticity, denomination, front and back, correctness, etc. of the taken banknotes and counting the genuine bills, etc. ) Etc., a deposit / reject port 24 for collecting rejected banknotes, a plurality of banknote storage boxes 25 for storing banknotes for withdrawal, and an upper part of each banknote storage box 25 corresponding to each banknote storage box 25. The temporary holding unit 26, the feeding means 27 provided with a plurality of rollers such as a feeding roller and a separation roller provided so as to feed out the banknotes from the lower part of each banknote storage 25, and the trueness of the banknotes fed out from the banknote storage 25 Fake, denomination, Reject for storing rejected banknotes discriminated from counterfeits (denomination type tickets) etc. by the second discrimination unit 28 for discriminating the back, correctness, etc. and counting the genuine bills, etc. The bill storage 29, the withdrawal port 31 for collecting bills that are genuine and identified by the second discrimination unit 29, the deposit transport path 31a for transporting the deposited bills, and the withdrawal for transporting the withdrawal bills It is configured by a conveyance path 31b and the like.

  Here, an example in which four banknote storages 25 are provided is shown, and the denominations of banknotes stored in the four banknote storages 25 are arbitrarily determined by the operation method. For example, four-dollar banknotes such as 10,000 yen banknotes, thousand yen banknotes, 5,000 yen banknotes, and 2000 yen banknotes may be stored and operated in denominations. It is also possible to store and operate a thousand yen bill and a two thousand yen bill respectively in the remaining two bill storage boxes 25.

Further, the temporary storage unit 26 has a capacity capable of stacking a certain number of banknotes (for example, 500), and can drop the stacked temporary banknotes into the banknote storage 25.
The withdrawal port 31 is provided with a shutter that can be opened and closed.
In this configuration, in the case of deposit processing, when the operator inserts banknotes into the banknote deposit port 21 in a lump, the banknotes P are separated and captured one by one by the fetching means 22, and the first discrimination unit 23 is received by the deposit transport path 32a. Authenticated to identify authenticity, denomination, front and back, damage, etc.

As a result, reject banknotes discriminated as counterfeit tickets (denomination type tickets) or the like are conveyed to the deposit reject 24 through the deposit transport path 31a, accumulated, and returned to the operator.
The returned banknote can be inserted again into the banknote deposit port 21 by the operator.
Banknotes identified as authentic bills that can be deposited by the first discrimination unit 23 are counted by denomination by the first discrimination unit 23, and then conveyed by the deposit conveyance path 31a. Are stored in the temporary storage unit 26 according to money type.

In this way, when all the genuine bills inserted into the bill depositing port 21 by the operator are accumulated in the temporary storage unit 26 of the bill depositing / dispensing machine 1, the counting results of those bills are displayed on the display unit 2. .
Looking at this, when the operator presses the completion key of the key input unit 1, the banknotes accumulated in the temporary storage unit 26 are stored in the banknote storage 25.

In the case of withdrawal processing, when the input unit 1 is operated to input the number (or amount) of the withdrawal bills for each denomination, bills are fed one by one from the bill storage box 25 by the feeding means 27, and are withdrawn and conveyed. It is conveyed to the 2nd discrimination part 29 by the path | route 31b, and discrimination | determination is performed about authenticity, a money type, front and back, damage, etc.
As a result, the reject banknote discriminated as a fake ticket or the like is transported and stored in the reject banknote storage 29 by the withdrawal transport path 31b.

Banknotes discriminated as genuine bills that can be used for withdrawal by the second discrimination section 29 are counted by the second discrimination section 29 and then sequentially conveyed by the withdrawal transport path 31b. When the banknotes of the denomination and the number of sheets designated by the operator are accumulated at the withdrawal port 30, the shutter of the withdrawal port 30 is opened, and the banknotes are dispensed to the operator. .
FIGS. 3 and 4 are flowcharts showing the operation of the embodiment having the above-described configuration. FIG. 3 shows a deposit transaction, and FIG. 4 shows an example of processing when the deposit transaction is resumed after temporary deposit.

In the following description, the screen displayed on the display unit 2 is read by the control unit 7 from the program memory 8 and displayed, but the description thereof is omitted.
First, the deposit transaction shown in FIG. 3 will be described according to the steps indicated by F.
When an operator (teller) working at a financial institution deposits slips and cash from a customer and inserts his own operator card into the card reader unit 3, the operator ID (identifier) recorded on the operator card Is read by the card reader unit 3 (S1), whereby the control unit 7 displays a transaction selection screen on the display unit 2, and the operator selects the deposit transaction by operating the key input unit 1 while viewing the transaction selection screen. (S2).

When the deposit transaction is selected, the control unit 7 displays a screen for guiding the setting of cash (S3), and the operator sets the cash in the banknote depositing / dispensing machine 5 and the coin depositing machine 6 by seeing this. That is, the banknote is inserted into the banknote depositing slot 21 of the banknote depositing / dispensing machine 5, and if there is a coin, the coin is inserted into the coin depositing slot of the coin depositing machine 6 (S4).
After the cash is set, when the operator operates the key input unit 1 to instruct the counting, the banknote depositing / dispensing machine 5 takes in the banknotes, and the first discrimination unit 23 discriminates the authenticity, denomination, etc. and counts. This is done (S5), and the bill after counting is held in the temporary holding unit 26.

The same process is performed in the coin depositing machine 6.
When all set banknotes and coins are identified and counted, the control unit 7 displays the total of the counted amounts, the number of banknotes and coins for each denomination on the display unit 2 as a counting result (S6).
Here, the operator operates the key input unit 1 and inputs account information such as the deposit amount described in the slip deposited from the customer, the account item of the customer, and the account number (S7), and the operator counts the result. If the deposit amount of the slip matches, the completion key of the key input unit 1 is pressed, and if it does not match, the temporary storage key or the cancel key of the key input unit 1 is pressed (S8).

When the completion key is pressed, the control unit 7 instructs the banknote depositing / dispensing machine 5 and the coin depositing machine 6 to store the bills and coins in the temporary stacking unit, whereby the banknote depositing / dispensing machine 5 and the coin depositing machine 6 respectively The banknotes and coins in the temporary stacking unit are stored in the storage by denomination (S9).
Then, the control unit 7 stores the transaction amount (counted or input deposit amount), account item, account number, transaction date and time, operator ID, etc. in the transaction data memory 9 as transaction history data (S10), A screen for guiding the slip to be set in an authentication printing unit (not shown) is displayed on the display unit 2 and the authentication printing unit (not shown) is instructed to perform authentication printing.

As a result, when the operator sets the slip on the authentication printing section, the authentication printing section performs authentication printing indicating that the transaction has been established on the slip (S11), and the processing of the deposit transaction is completed.
On the other hand, when the operator depresses the temporary deposit key of the key input unit 1 because the counting result and the deposit amount of the slip do not match, the control unit 7 also temporarily stores the bill depositing / dispensing machine 5 and the coin depositing machine 6 in this case. The banknotes and coins in the stacking unit are instructed to be stored, and the banknote depositing / dispensing machine 5 and the coin depositing machine 6 store the banknotes and coin cash in the temporary stacking unit by type in the storage (S12), and further control. The unit 7 adds the counting amount, account item, account number, transaction date and time, operator ID, machine number, serial number, data indicating that there is temporary processing data, and data indicating that it is not processed, It is stored in the transaction data memory 9 as temporary deposit data (S13).

The cash processing apparatus is used by a plurality of operators, and even when a temporary deposit occurs in a deposit transaction handled by another operator, the temporary deposit data is stored in the transaction data memory 9. Therefore, the transaction data memory 9 may store a plurality of temporary deposit data.
After that, the control unit 7 instructs the printing unit 4 to print the temporary deposit, so that the printing unit 4 has the same contents as the temporary deposit data and the content that the processing is suspended on the receipt as a record of the operator. Printing is performed (S14), the receipt is released to the operator, and the processing of the deposit transaction is suspended.

In addition, when the operator presses the cancel key of the key input unit 1, it is programmed in advance so as not to accept the cancel here. In this case, the control unit 7 displays a screen for guiding the temporary storage key to be pressed. 2 is displayed (S15).
As a result, the process returns to S8, and when the operator presses the temporary storage key of the key input unit 1, the processes of S12 to S14 are performed, and the process of the deposit transaction is suspended.

After that, the operator goes to the customer's permission, tells that the counted amount is larger than the amount entered on the slip, and obtains an answer as to whether to deposit only the amount entered on the slip or deposit the counted amount.
In this case, when depositing the counted amount, the counted banknotes and coins are already stored in the storage, so these banknotes and coins shall be treated as deposits. The number is rewritten, or the previous slip is discarded and the new amount is filled in with the counted amount.

Next, the process when the deposit transaction is resumed after the temporary deposit shown in FIG. 4 will be described according to the steps indicated by S.
When the operator who has obtained the customer's answer inserts the operator card that he / she owns into the card reader unit 3, the card reader unit 3 reads the operator ID (identifier) recorded on the operator card, thereby the control unit 7 Reads out unprocessed temporary custody data from the transaction data memory 9, and displays the list on the display unit 2 (S16).

When the operator operates the key input unit 1 to see the transaction selection screen and selects the deposit transaction for the customer's temporary deposit (S17), the control unit 7 counts the transaction amount of the corresponding temporary deposit, the slip amount (operator ), An account number, etc. are displayed on the display unit 2 (S18).
Here, the operator operates the key input unit 1 to correct the voucher amount so as to match the counted amount (S19), and if the customer's response is the deposit for the counted amount, the completion key of the key input unit 1 is If the difference is returned, the cancel key is pressed (S20).

When the completion key is pressed, the control unit 7 stores the transaction amount, the account item, the account number, the transaction date and time, the operator ID, etc. in the transaction data memory 9 as transaction history data (S21), and the corresponding temporary Append processed data to custody data.
Further, the control unit 7 displays on the display unit 2 a screen for guiding the slip to be set in an authentication printing unit (not shown), and instructs the authentication printing unit (not shown) to perform authentication printing, whereby the operator authenticates the slip. When set in the printing section, the authentication printing section performs authentication printing to the effect that the transaction has been completed on the slip (S22), and the processing of the deposit transaction is completed.

  On the other hand, when the cancel key is pressed, the banknotes and coins counted and stored before temporary storage are paid out and returned in the same manner as in the case of withdrawal (S23). In this case as well, the control unit 7 stores the transaction amount, account item, account number, transaction date and time, operator ID, etc. in the transaction data memory 9 as transaction history data (S24), and cancels the corresponding temporary deposit data. The data indicating that it is present is added and saved as cancel data.

Then, the control unit 7 instructs the printing unit 4 to print the cancel data, whereby the printing unit 4 prints the same contents as the cancel data on the receipt that is a copy of the operator (S25). Release to the operator to finish the process.
Thereafter, the operator performs a deposit process with an amount excluding the difference, and returns the difference to the customer.

  According to the embodiment described above, in the case of a deposit transaction at a financial institution, when the counted amount is larger than the amount entered on the slip, the cash counted by guiding the temporary custody processing to the temporary custody processing is made impossible. Since the count result is stored in the storage unit as temporary storage data together with the operator identifier, the operator can be prevented from cheating.

Block diagram showing an embodiment The side view which shows the internal structure of the banknote depositing / withdrawing machine in an Example. Flow chart showing the operation of the embodiment Flow chart showing the operation of the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Key input part 2 Display part 3 Card reader part 4 Printing part 5 Banknote depositing / withdrawing machine 6 Coin depositing machine 7 Control part 8 Program memory 9 Transaction data memory 21 Banknote depositing port 22 Taking-in means 23 1st discrimination part 25 Banknote storage 26 Temporary holding part

Claims (2)

An input unit for an operator to input information, a display unit for displaying a transaction guidance screen, a card reader unit for reading information recorded on a card, and counting cash at the time of deposit transaction, A cash processing machine for storing in the storage after being held in the holding unit, and a storage unit,
The identifier is read by the card reader unit from the operator's card at the time of deposit transaction, and after the cash is counted by the cash processing machine, when the transaction cancellation information is input by the input unit, the display unit guides the temporary deposit processing. When the temporary storage information is input by the input unit, the cash stored in the temporary storage unit is stored in the storage, and the counting result and the operator identifier are stored in the storage unit as temporary storage data. A cash processing apparatus characterized by storing. The cash processing apparatus according to claim 1,
After cancel information is input from the input unit after being stored in the storage unit as the temporary storage data, data indicating cancellation is added to the temporary storage data and stored as cancellation data in the storage unit A cash processing apparatus characterized by:

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