JP2008293297A - Cash management system, cashier machine, and transportable transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To resolve troublesomeness in operation of a public relations man or a personnel in charge and enhance accuracy in cash management, such as storing and collecting of cash to a transportable transaction device. <P>SOLUTION: A cash management system consists of a transportable transaction device 1 which stores a currency utilized for transaction, and a cashier machine 10 which can be connected with this transportable transaction device 1 mechanically and electrically. When the transportable transaction device 1 is connected to this cashier machine 10, a storing operation of the currency from the cashier machine 10 to the transportable transaction device 1, or a collecting operation of the currency from the transportable transaction device 1 to the cashier machine 10 is enabled. The transportable transaction device 1 has a first memory unit 17 which records contained currency information and transaction data. The cashier machine 1 has a second memory unit 10a which records the contained currency information, calculates the contained currency information from movement result of currency accompanying the storing operation or collecting operation of the currency and stores the information into the first, the second memory unit 10a and 17. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

The present invention relates to a cash management system including a portable transaction device possessed by a foreign representative of a financial institution and a cash accounting machine that exchanges money with the portable transaction device.

Traditionally, there are external sales activities where employees of financial institutions go to customers, and foreigners deliver cash at a later date in response to demands for paying out deposits, or temporarily store cash in response to deposit requests. When processing after returning to the store, etc., the cashier may leave unprocessed cash temporarily or at times, which may cause a safety or processing error. In order to deal with such problems, there is a technology that enables a transaction operation at a customer site by realizing a portable cash handling apparatus (for example, Patent Document 1). This technology includes a bill feeding mechanism that feeds and transports a bill to a dispensing port in a portable housing, and an operation unit that inputs a transaction amount and an operation instruction.

In addition, there is a transaction system that can complete a withdrawal transaction process even when a foreign employee conducts a withdrawal transaction with a customer (for example, Patent Document 2). According to this technology, a portable transaction device capable of reading customer information entered in a transaction slip is connected to a host device via a communication line, and the withdrawal amount read from the transaction slip in a customer information database in the host device. When there is the above deposit and saving balance, it can be completed at the customer site by performing a withdrawal process.

On the other hand, a cash handling system for automatically loading cash into a cash safe of a cash handling device, a cash safe that can be attached to and detached from the device, a cash processing device that automatically loads cash of a designated amount in the cash safe, and a set Some have a cash handling device that can at least withdraw cash from a cash safe (for example, Patent Document 3). Thereby, it is possible to reduce the burden on the staff in cash setting / collection and to prevent fraud.

In addition, when an identification code assigned in advance for each foreigner is entered and the carry-in money is deposited into the money deposit machine, it is temporarily held and then stored in the safe when the reserved amount reaches a predetermined amount. Store the data. And there is one that allows you to continue counting the deposited money. (For example, patent document 4). Therefore, the deposit money settlement processing apparatus that can be operated by the foreign trader himself / herself can be provided, and even if a miscalculation occurs during the settlement process, it is possible to smoothly shift to the settlement process for the waiting public who is waiting next.
JP 05-197861 (paragraphs 0003 and 0004) JP 2006-215748 (paragraphs 0005, 0006) JP 04-242822 (claim on page 2) Japanese Patent Laid-Open No. 61-276096 (2nd page, upper right column)

However, although the above-described conventional technology can complete a financial transaction at a foreign destination using a portable transaction device, the storage (loading) or collection of cash in this portable transaction device is not a public relations member or a staff member. However, there is a problem in the troublesome work and accuracy in cash management.
In addition, when the customer's money (denomination) desired by the customer is not stored in the portable transaction device, the money held by a foreign employee (individual) may be temporarily changed. When the money to be refunded as change is not stored, the settlement process such as delivery to the customer later is troublesome and troublesome.

Therefore, the present invention provides a cash management system that can automate the storage and collection of cash in a portable transaction device, eliminate the troublesome work of public relations or staff, and improve the accuracy of cash management. With the goal.

The present invention comprises a portable transaction device for storing money to be used for transactions, and a cash accounting machine that can be connected to the portable transaction device, and an operation for storing money from the cash accounting machine to the portable transaction device. Or a cash management system that enables an operation of collecting money from the portable transaction device to the cash accounting machine,
The portable transaction apparatus has a first storage unit for recording the amount information of the money stored therein and the transaction information, and the cash accounting machine stores the amount information of the money stored therein. The amount information is calculated from the movement result of money accompanying the money storing or collecting operation, and is recorded in the first and second storage units.

According to the cash management system of the present invention, it is possible to automate the loading and collection of cash into the portable transaction device, so that the troublesomeness of work for outsiders or staff and the accuracy of cash management can be improved, and further replacement is possible. Even if there is, there is an effect that it can be dealt with by a series of settlement processing.

Hereinafter, embodiments of the present invention will be described in detail. FIG. 1 is an external view of a portable deposit / withdrawal machine according to the present invention, and FIG. 2 is a control block diagram of the portable deposit / withdrawal machine according to the present invention. Moreover, FIG. 3 is a conceptual diagram of the banknote depositing / withdrawing part of this invention, and FIG. 4 is an external view of the cash accounting machine of this invention.

In the figure, reference numeral 1 denotes a portable deposit / withdrawal machine as a portable transaction device, which is carried around by a financial institution's external personnel and used for financial transactions at the external party, and stores money used for the transaction. Is. Reference numeral 2 denotes a new ticket unit, which handles unused banknotes, and processes, for example, new tickets (bills) issued by the Bank of Japan. Reference numeral 3 denotes a small bundle safe, which is a part for storing small bundles of banknotes sealed in units of a predetermined number (for example, 100). Reference numeral 4 denotes a sealing unit, which is a part for sealing banknotes (for example, 100 sheets) with a paper band in order to create a small bundle banknote to be stored in the small bundle safe 3.

Reference numeral 5 denotes a bar metal unit, which is a part that stores coins of the same denomination in a bar shape in units of a predetermined number (for example, 50 sheets) (hereinafter referred to as bar metal).
Reference numeral 6 denotes a loose coin unit, which is a part that can accept coins and withdraw coins, and discriminates the coins that have been inserted into different denominations and stores them in respective denominations. The upper part has a shutter 6a that can be opened and closed so that a stage to be described later can enter.
7 is a loose banknote unit, which is a part for discriminating inserted banknotes by denomination by means of banknote deposit / withdrawal, and laminating and storing each denomination, and has an openable shutter 7a on the upper part, The stage which will be described later can enter.

Reference numeral 8 denotes a post, which is a part that accepts and stores securities such as checks, and can be taken out by unlocking operation.
Reference numeral 9 denotes a cabinet, which is a storage unit that stores various certificates, forms, and the like, and its application is not limited.
As shown in FIG. 4, each of the above parts is manufactured in a cabinet configuration in which the front surfaces of the units are substantially matched, and can be installed with the back side in close contact with the wall surface of the installation store. In addition, it is comprised so that a banknote and a coin can move between some units, and the cash accounting machine 10 is constructed | assembled. A computer 100 controls the cash accounting machine 10 as a whole.

Next, the portable depositing / dispensing machine 1 will be described.
First, the portable depositing / dispensing machine 1 is divided into an upper door side 1a and a main body side 1b, a central part is connected by a hinge, and can be locked when the upper door side 1a is closed to the main body side 1b. It is in the shape.
Reference numeral 11 denotes an operation display unit, which is a part capable of displaying information related to processing on a liquid crystal display, has an operation button, and an input is performed by pressing the operation button. The operation display unit 11 is detachable from the main body of the portable depositing / dispensing machine 1, and is connected to the main body side 1b by wire (or wireless).
Reference numeral 12 denotes a money deposit / withdrawal unit, which includes a banknote deposit / withdrawal unit 13 and a coin deposit / withdrawal unit 14. The banknote depositing / withdrawing unit 13 has a banknote storage function, a discrimination function for determining the denomination and authenticity, and a transport function for feeding out and transporting stored banknotes or transporting inserted banknotes to a storage site. ing.
The coin deposit / withdrawal unit 14 is hermetically sealed by an upper door, and is configured by a stage (can be raised and lowered) for storing coins. In addition, it has a coin storage function, a discrimination function for judging the denomination and authenticity, and a transport function for feeding out, transporting, or transporting coins to the storage site. Mechanization is also possible.
The shutter 12a is provided on the bottom surface of the portable depositing / dispensing machine 1 and is opened and closed by a drive mechanism (not shown), and is an integral type corresponding to the stage 12b of the bill depositing / dispensing part 13 and the coin depositing / dispensing part 14. Needless to say, they may be provided individually.

Reference numeral 15 denotes a post, which is a part for storing checks and certificate documents deposited from customers, as well as small bundles of bills to be requested and delivered from customers in advance. Note that a locking function is added to each of these parts.
Reference numeral 16 denotes a handle portion for the attendant to carry the portable deposit / withdrawal machine 1. In addition, this handle part 16 may form a hook part (not shown) on the main body side 1b of the portable depositing / dispensing machine 1 and attach a belt so that the outsider can be put on the shoulder, or a caster is added. It may be such that the road surface is slidable.
Reference numeral 17 denotes a storage unit as a first storage unit, which is composed of a semiconductor memory, and includes information on the amount of money stored in the money deposit / withdrawal unit 12 and information on the number of coins, and the portable type. ID information and a control program that can identify the depositing / dispensing machine 1 are stored.
Reference numeral 18 denotes a control unit which controls the above-described units by a control program stored in the storage unit 17. Reference numeral 19 denotes a rechargeable power supply unit that supplies power to each of the above units and backs up information in the semiconductor memory recorded in the storage unit 17. Note that the power supply unit 19 may receive power from a household power supply and supply power to each unit.

Reference numeral 130 denotes a banknote deposit / withdrawal port, which is a part for feeding stored banknotes or for taking in banknotes inserted by foreigners. Note that banknote storage may be set for each denomination, but two places are stored in the storage unit due to space factors. Therefore, when the payment denomination is not located at the highest position on the payout side, the banknotes are temporarily retracted in the other storage unit, and only the desired denomination is discharged to the banknote deposit / withdrawal port 130.
Reference numeral 140 denotes a coin take-out / insertion port, which allows an outsider to open the upper door using a predetermined operation key and take out the stored coins. In addition, when making small deposits by outsiders, a slit for coin insertion is provided in the upper door portion so that coins can be inserted (stored) one by one.

In FIG. 3, the banknotes M stacked on the stage 12b are fed out in the direction of arrow G one by one to the transport path 131 by the separating and feeding mechanism. The fed banknote M passes through the discrimination unit 132. The discrimination unit 132 identifies the authenticity and denomination of the banknote M, and counts the number of passing sheets. When the discrimination unit 132 recognizes that the money type is to be withdrawn, it is transported in the direction of arrow H and withdrawn from the banknote deposit / withdrawal port 130. In addition, when the discrimination unit 132 determines that the bill is a fake ticket or due to double feeding or the like, the banknote M that is determined to be unable to be withdrawn from the banknote deposit / withdrawal port 130 is switched by the switching unit 133 in the direction of arrow J.

The banknote M conveyed in the arrow J direction is guided to the second storage unit 134 and stacked and stored. The bill can be fed out from the second storage unit 134. Therefore, the conveyance path 131 forms a conveyance path that can be conveyed in the forward and reverse directions.
Needless to say, the feeding operation of the banknotes M may be intermittent, or may be performed continuously as long as a plurality of banknotes M can be accumulated in the banknote deposit / withdrawal port 130.

Next, money storage in the portable deposit / withdrawal machine will be described.
FIG. 5 is a conceptual diagram of money storage from the cash accounting machine of the present invention to the portable depositing / dispensing machine, and is a conceptual diagram of the AA cross section in FIG. 4 viewed from the direction of arrow a. FIG. 6 is a flowchart for storing money in the portable depositing / dispensing machine according to the present invention. Note that S means an operation step.

S1: The portable depositing / dispensing machine 1 that does not store money is attached to the cash accounting machine 10.
The portable depositing / dispensing machine 1 is inserted from the front of FIG. 4, that is, in the direction of the arrow b shown in FIG. 5, until the locking means (not shown) provided in the upper space of the loose coin unit 6 and the loose bill unit 7 holds. In the present embodiment, the upper lid side 1a of the portable depositing / dispensing machine 1 is in the open state, but it goes without saying that it may be in the closed state.
S2: When a detector (not shown) detects that a lock means (not shown) holds, an operation input is received by an instruction from the computer 100 that is mechanically and electrically connected to the cash accounting machine 10 and controls the cash accounting machine 10 as a whole. It becomes possible. Note that the operation display unit 11 may be used instead of the operation input from the computer 100.

S3: A cashier (may be a foreigner) selects the “Money Loading” menu from an operation unit (not shown) of the computer 100, and further inputs the denomination and number of coins, and the denomination and number of banknotes. For this input, an initial value (default value) may be set in advance, and may be set or corrected as it is. Moreover, it is also possible to capture in advance account information (including deposit and saving balance information) of visiting customers.
Money storage information is input to the computer 100, and a storage start instruction operation is performed. This signal is transmitted to the loose coin unit 6 and the loose bill unit 7 side and further to the control unit 18.

S4: In the loose coin unit 6 and the loose banknote unit 7, it is determined whether or not the denomination requested from the amount of money in the unit and its quantity can be supplied.
S5: When supply is not possible, a notifying means (not shown) is used to contact a cashier to perform a replenishment operation.
S6: When the computer 100 can supply, the computer 100 outputs an instruction to open the shutters 6a, 7a, 12a in the direction of arrow C to the portable depositing / dispensing machine 1, the loose coin unit 6, and the loose banknote unit 7. The shutter 6 a is provided on the top of the loose coin unit 6, and the shutter 7 a is provided on the top of the loose banknote unit 7. Since the shutter 12a on the portable depositing / dispensing machine 1 side provided at a position facing the shutters 6a and 7a is opened, the stage 12b appears.

S7: The loose coin unit 6 and the loose banknote unit 7 lower the stage 12b in the portable depositing / dispensing machine 1 in the direction of arrow E by a mechanism (not shown). This descent operation is performed by a mechanism (not shown), but may be constructed as an operation on the portable depositing / dispensing machine 1 side.
S8: When the stage 12b is lowered, the loose coin unit 6 and the loose banknote unit 7 take the designated amount of money (banknotes and coins) onto the stage 12b.

S9: When a predetermined amount of money is taken in on the stage 12b, the stage 12b is raised. The computer 100 is notified that money has been taken into the portable depositing / dispensing machine 1 by completing the ascending operation.
S10: The portable depositing / dispensing machine 1, the loose coin unit 6 and the loose banknote unit 7 move the shutters 6a, 7a and 12a in the direction of arrow D and close them. This shutter closing operation may be a simultaneous operation or may be performed in a predetermined order.

S11: The control unit 18 of the portable depositing / dispensing machine 1 receives the denomination of money on the stage 12b and the information on the number of denominations from the cash accounting machine 10 side and records it in the storage unit 17. On the other hand, on the cash accounting machine 10 side, the portable deposit / withdrawal machine 1 is associated with an identifiable identification code, and the denomination of money and the number of money types are recorded in the storage unit 10a as the second storage unit. At the same time, the amount information is reduced and updated.
S12: When the recording of the money denomination and the number information of the money type in the storage unit 17 is finished, the lock of the portable depositing / dispensing machine 1 is released. Thereby, the cashier can remove the portable depositing / dispensing machine 1. In this way, since bills and coins are stored simultaneously, processing can be completed in a short time.

In the above description, an example in which loose coins are stored in the portable depositing / dispensing machine 1 has been described. However, a foreign trader removes the bar metal packaging and uses it as a loose coin for payment. But you can.
In addition, the storing of money in a cash safe or an automatic transaction apparatus is a well-known technique according to Japanese Patent Laid-Open No. 4-2428825 (Patent Document 3), and the storage in an automatic transaction apparatus is disclosed in Japanese Patent Laid-Open No. 2004-220277. However, it is not an attache case type and does not handle banknotes and coins simultaneously.

Next, a withdrawal transaction by operating a portable depositing / dispensing machine at a foreign country will be described.
FIG. 7 is a flowchart of a withdrawal transaction by the portable depositing / dispensing machine according to the present invention. Note that S means an operation step as described above.
S21: When an outsider conducts a withdrawal transaction at a customer's residence, etc., first, when an input for instructing activation is performed from the operation display unit 11, the control unit 18 performs portable input / output according to a control program stored in the storage unit 17. The gold machine 1 is activated.
S22: Subsequently, the foreign representative inputs his / her ID information and password. When identity verification is performed using the ID and password, an operation input meaning “withdrawal transaction” is performed from the displayed transaction item selection screen.

S23: The outsider visually checks the account number from the bankbook or card presented by the customer, and also checks the balance information and the online ledger balance information confirmed by the outsider before opening the store. input. For example, money (banknotes and / or coins) that can satisfy the input amount is paid out. If it is a banknote, it is withdrawn from the banknote deposit / withdrawal port 130. Further, if it is a coin, the upper door of the coin take-out / input port 140 is opened and the coin is withdrawn.
S24: The banknote M on the stage 12b is fed out to the transport path 131 by the separation mechanism and guided to the discrimination unit 132, where authenticity and denomination are determined for each banknote.
S25: The control unit 18 determines whether to guide to the banknote deposit / withdrawal port 130 or to the second storage unit 134 based on the discrimination result of the discrimination unit 132.

S26: The control unit 18 monitors whether or not money equivalent to the input amount has been withdrawn, and continues paying out until they match.
S27: In step S25, when the denomination of the banknote fed out from the stage 12b is different from the banknote denomination to be withdrawn, and when the denomination cannot be determined, in addition, double feeding, chaining, etc. occurred. Sometimes, the switching unit 133 is operated to control the banknotes to be guided to the second storage unit 134. Note that the banknote temporarily stored in the second storage unit 134 may be fed out to the transport path 131 after the withdrawal operation and returned to the stage 12b.

S28: When money equivalent to the input amount is withdrawn, the result of the withdrawal is displayed on the operation display unit 11. In step S24, if a trouble with paying out money occurs or the suspension state is canceled due to an incorrect input of the deposit amount, etc., the outsider will respond, but the explanation will be omitted.
S29: The foreign employee confirms the display result and inputs a pass / fail judgment. If a cancel operation is performed in step S29, the process returns to step S22.
S30: When the end operation is performed from the operation display unit 11, the control unit 18 updates the money amount information recorded in the storage unit 17 and records the transaction information. The foreign affairs hand the money to the customer. In addition, since passbook entry is not possible, we recommend a passbook entry at a later date.

When the transaction is completed, the power-off process is performed from the operation display unit 11, and then the upper door side 1a is closed and united with the main body side 1b.
In addition, in the case of a check or a hand-paid banknote, it respond | corresponds by the insertion to the post | mailbox 15, and the banknote taking-out operation from the inside of the post | mailbox 15. Even in this case, it goes without saying that transaction information is input from the operation display unit 11.

In the case of a deposit transaction, it is inserted by an outsider through the banknote deposit / withdrawal port 130 or the coin withdrawal / injection port 140, taken into the apparatus, and stored in the banknote deposit / withdrawal unit 13 or the coin deposit / withdrawal unit 14.
For example, banknotes inserted from the banknote deposit / withdrawal port 130 are guided to the conveyance path 131, and are checked for authenticity and denomination by the discrimination unit 132, and are stacked on the stage 12 b in the case of a correct ticket. Further, when it is determined to be a fake ticket or double feed, the conveyance is stopped and returned to the banknote deposit / withdrawal port 130.

As described above, since transactions associated with deposits and withdrawals of money can be performed at the outside party, it is convenient for customers who have difficulty going out. Moreover, since it is an attache case type portable depositing / dispensing machine, it is excellent in transportability. In addition, because it is excellent in transportability, there is also a risk of robbery, etc., so that the predetermined security function, for example, the distance from a communication device worn by a foreigner on the arm or held in a pocket, etc., exceeds a predetermined value. An alarm sound will be emitted when Further, special ink or the like may be ejected onto money so as to hinder the use at a later date.

Next, at the outside party, the money (denomination) desired by the customer at the time of currency exchange or withdrawal transaction does not remain in the portable deposit / withdrawal machine 1, and the money on hand of the outsider (individual) is temporarily stored. The case where it changes is demonstrated. FIG. 8 is a flowchart of the exchange process of the portable depositing / dispensing machine according to the present invention. The customer wishes to exchange 10,000 yen coupons for 10 thousand yen coupons. At that time, only 8 thousand yen coupons remain in the portable deposit / withdrawal machine, and the remaining 2,000 yen is used as a foreign affairs officer. Will be described as changing. In addition, S means an operation step also in this section.

S41: When a foreign exchanger performs a currency exchange transaction at a customer's residence, etc., first, when an input for instructing activation is performed from the operation display unit 11, the control unit 18 performs portable deposit / withdrawal according to a control program stored in the storage unit 17. The machine 1 is activated.
S42: Subsequently, the foreign representative inputs his / her ID information and password. When identity verification is performed using the ID and password, an operation input indicating “exchange transaction” is performed from the displayed transaction item selection screen. Subsequently, the sales representative obtains account information and the like from the bankbook presented by the customer and inputs the account number and the number of banknotes to be withdrawn (thousand yen coupons × 10).

S43: Then, the control unit 18 determines whether or not it is possible to satisfy the amount of money (thousand yen coupons × 10 sheets) input from the information on the amount stored in the storage unit 17.
When ten or more thousand yen coupons are stored, the process proceeds to step S47 described later. When the number of thousand yen tickets is less than 10, the process proceeds to the next step S44.
S44: Since the control unit 18 can calculate that two thousand yen tickets are insufficient from the height information, the control unit 18 displays the fact on the operation display unit 11. For example, “Exchange amount [10,000 yen voucher] → [10 thousand yen voucher], storage: 8,000 yen voucher, insufficient 2,000 yen voucher,“ Change button ”when changing” is displayed.
S45: The foreign agent presses the “replacement button” on the operation display unit 11 to move to a reimbursement amount input screen. If the user does not have any money on hand, the user returns to step S42 by pressing the “cancel button”.

S46: When the sales representative inputs “replacement thousand yen coupon x 2” from the operation display unit 11, the control unit 18 stores “deposit 10,000 yen, withdrawal 8,000 yen, advance 2,000 yen” as transaction information. Record in part 17.
S47: The control unit 18 withdraws eight thousand yen bills from the bill deposit / withdrawal port 130. First, the banknote M on the stage 12b is fed out to the transport path 131 by the separation mechanism and guided to the discrimination unit 132, where authenticity and denomination are determined for each banknote. Based on the discrimination result of the discrimination unit 132, the control unit 18 guides the thousand yen ticket to the banknote deposit / withdrawal port 130, and the other guides to the second storage unit 134.

S48: The control unit 18 monitors whether or not money equivalent to the input amount has been withdrawn, and continues paying out until they match. In step S47, when the denomination of the banknote drawn out from the stage 12b is different from the banknote denomination (thousand yen) to be withdrawn, and when the denomination cannot be determined, in addition, double feed or the like occurs. When this is done, the switching unit 133 is operated so that these bills are stored in the second storage unit 134.

S49: When the instructed amount (eight thousand yen coupons) is withdrawn, the result of the withdrawal is displayed on the operation display unit 11. In addition, although it pays out one thousand yen ticket one by one at the time of withdrawal, it becomes insufficient when a multi-feed etc. occurs, but since this multi-feed banknote is stored in the 2nd storage part 134, whenever it occurs, once Then, after returning to the stage 12b, another separating and feeding operation is performed.
S50: The foreign employee confirms the display result. When double feeding or the like occurs even in separate feeding out again, the shortage number of bills (thousand yen bills) may be displayed to indicate whether or not the advance amount can be increased by an outsider.

S51: When the withdrawal (eight thousand yen coupons) from the portable depositing / dispensing machine 1 is completed, the 10,000 yen coupon (one) presented by the customer is deposited from the banknote deposit / withdrawal port 130. The inserted banknotes are guided to the discrimination unit 132, where authenticity and denomination are determined and accumulated on the stage 12b. Here, according to the discrimination result of the discrimination unit 132, when it is a fake bill determination, the bill is returned to the banknote deposit / withdrawal port 130 to be handled by a foreign employee.
S52: Thus, when the banknote (10,000 yen voucher) thrown in from the banknote depositing / withdrawing port 130 is taken in, the deposit as a currency exchange transaction will be completed. The foreign affairs handed out the dispensed banknotes (8 thousand yen vouchers) and hand-held banknotes (2 thousand yen vouchers) to the customer.

S53: The control unit 18 displays “deposit: 10,000 yen, withdrawal: 8,000 yen, advance: 2,000 yen” on the operation display unit 11 as final confirmation information.
S54: When the outsider performs an end operation from the operation display unit 11, the control unit 18 updates the currency amount information stored in the storage unit 17 and also stores the exchange transaction information.
In this way, it is convenient for customers by enabling transactions that temporarily use the money held by foreigners. In addition, since the exchange process can be registered in the portable deposit / withdrawal machine 1 for the foreign affairs personnel, it is possible to reduce the awareness of not forgetting.

Next, the settlement process of the portable deposit / withdrawal machine will be described.
FIG. 9 is a flowchart of the settlement process of the portable deposit / withdrawal machine according to the present invention. In addition, S means an operation step also in this section.
S61: The foreign employee who has returned to the sales office from the outside party attaches the portable depositing / dispensing machine 1 to the cash accounting machine 10 and operates the operation display unit 11 to activate it. An operation from the computer 100 may be performed.
Further, after the portable depositing / dispensing machine 1 is mounted on the cash accounting machine 10 and the locking means is activated, the charging operation to the power supply unit 19 is started.

S62: A process instruction is input from the operation display unit 11. Here, “settlement processing” is instructed.
S63: The control unit 18 that has received the checkout process determines whether or not the cash accounting machine 10 side can accept money. Since this check is always managed by the cash accounting machine 10 side or the computer 100, the explanation will be made assuming that it is acceptable. In addition, when a banknote exists in the 2nd accommodating part 134, the control part 18 is operated so that this banknote may be returned to the stage 12b.
When it is acceptable, the computer 100 outputs an instruction to open the shutters 6a, 7a, 12a to the portable depositing / dispensing machine 1, the loose coin unit 6, and the loose bill unit 7. When the shutters 6a, 7a, 12a are opened, the stage 12b appears. At this time, the cash amount information stored in the storage unit 17 is also notified to the cash accounting machine 10 side.

The loose coin unit 6 and the loose banknote unit 7 lower the stage 12b in the portable depositing / dispensing machine 1 by a mechanism (not shown). The collected money is placed on the descending stage 12b. When the stage 12b is lowered, cash (banknotes and coins) is taken into a currency receiving unit (not shown) on the loose coin unit 6 and the loose banknote unit 7 side.
When money on the stage 12b is fed, the stage 12b with no money is raised. The control unit 18 notifies the computer 100 that the money in the portable depositing / dispensing machine 1 has disappeared due to the completion of the ascending operation.

S64: The portable depositing / dispensing machine 1, the loose coin unit 6 and the loose banknote unit 7 close the shutters 6a, 7a and 12a. This shutter closing operation may be a simultaneous operation or may be performed in a predetermined order as described above.
The cash accounting machine 10 collates the total amount of money received and counted by the loose coin unit 6 and the loose banknote unit 7 with the money amount information recorded in the storage unit 17 and received in step S63.
S65: If the collation results match, the process proceeds to the next step S66. If not, the process proceeds to step S67.

S66: The cash accounting machine 10 side records the money denomination and the number of denominations in the storage unit 10a in association with the identification code that can identify the portable depositing / dispensing machine 1, and increases it as high-value information. Update.
The control unit 18 of the portable depositing / dispensing machine 1 updates the denomination and the number information of the denomination stored when the money on the stage 12b is lost to the initial value (zero).
On the other hand, since the initialization of the money denomination and the number information of the money type in the storage unit 17 has been completed, the portable depositing / dispensing machine 1 is unlocked. As a result, a foreign employee can take out the portable depositing / dispensing machine 1. In addition, when charge (time) is insufficient, you may leave as it is, without releasing a lock | rock.

S67: In step S65, when there is a mismatch, the computer 100 determines whether or not “replacement information” by the outsider exists in the transaction history received from the portable depositing / dispensing machine 1.
S68: When there is no “replacement information”, the information is displayed on the operation display unit 11 to notify the outsider. In addition, you may comprise so that it may display on the display part of the computer 100. FIG.
S69: When the “advance information” exists, it is necessary to hand over the exchange amount to the foreign affairs personnel, so the loose coin unit 6 and the loose banknote unit 7 are activated to withdraw money equivalent to the advance money. In addition, since the portable depositing / dispensing machine 1 is attached to the cash accounting machine 10, the advance payment cannot be withdrawn. Therefore, the banknote to be refunded (which may include a coin) is withdrawn from a withdrawal port (not shown) of the loose banknote unit 7 (including the loose coin unit 6 when there is a coin).

The foreign affairs officer will collect the money that was withdrawn. However, if it is left outside for a long time withdrawn from the device, money may be concealed or exploited by fraud. Therefore, it is possible to make a withdrawal operation after notifying the terminal of the mobile device possessed by the foreign affairs, or to set up automatic transfer to the account opened by the external affairs. Also good.

This cash management system is not limited to financial institutions. For example, it can be applied to management of operating funds at amusement stores (withdrawal and withdrawal from opening to closing) and sales management system at the time of selling goods at stadiums, etc., allowing money to be withdrawn from a predetermined cash machine, It can be stored and used as a small safe when selling directly.

It is an external view of the portable depositing / dispensing machine of the present invention. It is a control block diagram of the portable deposit / withdrawal machine of the present invention. It is a conceptual diagram of the banknote depositing / withdrawing part of this invention. It is an external view of the cash accounting machine of this invention. It is a conceptual diagram of the money storage from the cash accounting machine of this invention to a portable depositing / dispensing machine. It is a flowchart of money storage in the cash management system of the present invention. It is a flowchart of the payment transaction by the portable depositing / withdrawing machine of this invention. It is a flowchart of the exchange transaction by the portable deposit / withdrawal machine of this invention. It is a flowchart of the close examination process in the cash management system of this invention.

Explanation of symbols

1 Portable transaction equipment (portable deposit and withdrawal machine)
6 Bulk coin unit 7 Bulk bill unit 10 Cash accounting machine 10a Second storage unit 11 Operation display unit 12 Money deposit / withdrawal unit 12b Stage 13 Banknote deposit / withdrawal unit 14 Coin deposit / withdrawal unit 17 First storage unit 130 Banknote deposit / withdrawal port

Claims (4)

A portable transaction device for storing money used for transactions;
Consists of a cashier machine that can be mechanically and electrically connected to the portable transaction device, and when the portable transaction device is connected to the cashier machine, from the cashier machine to the portable transaction device A cash management system capable of storing money or collecting money from the portable transaction device to the cash accounting machine;
The portable transaction apparatus has a first storage unit that records the amount of money stored and the transaction information.
The cash accounting machine has a second storage unit that records information on the amount of money stored therein,
The cash management system, wherein the amount information is calculated from a movement result of money accompanying the storing operation or the collecting operation of the money, and recorded in the first and second storage units. A cash management system according to claim 1,
The transaction information includes transaction amount information,
Compare the amount information of money collected from the portable transaction device with the transaction amount information recorded in the first storage unit of the portable transaction device, and when the transaction amount value is larger than the money amount A cash management system in which the cash accounting machine withdraws the difference value currency. A cashier according to claim 1,
Cash comprising at least a banknote deposit / withdrawal processing unit and a coin deposit / withdrawal processing unit, and having a cabinet type with substantially the same depth dimension among the external dimensions of the banknote deposit / withdrawal processing unit and the money deposit / withdrawal processing unit Teller machine. The portable transaction device according to claim 1, wherein
A portable transaction device characterized in that it can be mechanically and electrically connected to a cash accounting machine and has automated the storage or collection of money.

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