JP2011053949A - Money management system and money management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To manage the amount of money in a money management device in an integrated manner without requiring a clerk to operate a cashier machine when withdrawing or depositing cash from or in the money management device. <P>SOLUTION: A money management system includes a cashier machine that manages the amount of money in a financial institution office, and a money management device that can be interconnected to the cashier machine. The money management device includes: an accommodating means for accommodating money; a storage means for storing the amount of money accommodated in the accommodating means; and a communication means for sending process information including the kind, quantity and/or amount of money deposited in the accommodating means or withdrawn from the accommodating means, when money is deposited in the accommodating means or withdrawn from the accommodating means. The cashier machine includes a communication means which receives the process information from the money management means; a storage means for storing at least the amount of money stored in the cashier machine and the amount of money stored in the money management device; and a computing means which updates at least the amount of money in the money management device based on the process information. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a money management system including a teller machine (money management main body machine) and a money management apparatus (money management terminal machine) configured to communicate with each other, and a money management method thereof.

  Patent Document 1 discloses a money management device. In the money management apparatus, a storage is provided for each denomination, and a weight measuring unit is provided for each storage. The weight for each denomination is measured by the weight measuring means, and the number of bars for each denomination is calculated from the weight. The calculated number of bars is stored and displayed together with the measurement date and time. The measurement of the weight, the calculation of the number of bars, and the storage are performed every time the money management apparatus is operated (every time there is a data change).

  The money management device is used when the cash in the teller machine is too large to be entered when depositing. And when the cash in the teller machine decreases, cash is taken out from such a device and replenished to the teller machine.

  When using the money management device, the bank staff entered the deposit amount or withdrawal amount in a ledger or the like when operating the deposit and withdrawal.

  However, a problem arises if the deposit / withdrawal amount entered in the ledger is different from the actual deposit / withdrawal amount. Since only the actual deposit / withdrawal amount can be measured on the device side, it cannot be examined whether the deposit / withdrawal amount entered in the ledger is correct. Furthermore, such a device does not manage who performed the deposit / withdrawal operation. Any employee can open and close the storage. Therefore, for example, it was theoretically possible for a bank clerk to cheat the deposit / withdrawal amount.

  Moreover, in such an apparatus, since the management of the amount of money of a teller machine and a money management apparatus is not interlocked, it is difficult to manage them comprehensively.

  On the other hand, Patent Document 2 discloses a cash management system that can total the cash balances of a plurality of automatic transaction apparatuses. However, this system is a technique for collecting information on the amount of money stored when the loading machine is loaded on a cashier (ATM), and is not related to the money management of the money management device in which the cashier takes in and out the cash.

  Patent Document 3 discloses a system in which a cash processing machine and a host terminal are communicatively connected, and the balance of the teller machine is automatically managed by the host terminal. Patent Document 4 discloses a system in which a financial store and a center that manages the data of the financial store are connected by communication, and the amount data of the financial store is managed in real time at the center.

  However, the systems described in Patent Documents 2 to 4 are also not related to the cash management of the money management apparatus in which the bank employee cash in and out.

Utility Model Registration No. 2599232 Japanese Patent No. 2726550 JP 2003-36361 A JP 2002-133094 A

  As described above, the conventional technology provides a money management system that performs comprehensive balance management in a financial institution by linking or coordinating the balance information of a teller machine and the balance information of a money management device. It wasn't.

  The present invention has been made to solve such a problem, and it is possible for the teller machine to centrally manage the amount of money in a financial institution centrally by receiving the amount of money information of the money management device. An object is to provide a money management system and a money management method.

  Further, according to the present invention, when a bank clerk takes out or stores cash from the money management apparatus, the bank clerk can manage the balance in the money management apparatus centrally by the cashier without operating the cashier. An object is to provide a money management system and a money management method.

A money management system according to an embodiment of the present invention includes a teller machine that performs a cash management in a financial institution store, and a money management device that can be connected so as to be able to communicate with the teller machine. A money management system,
The money management device includes storage means for storing money, storage means for storing the amount of money stored in the storage means, depositing money into the storage means, or receiving money from the storage means. A communication means for sending processing information including the denomination, quantity and / or amount of money deposited into the storage means or withdrawn from the storage means when withdrawing,
The teller machine stores at least the communication means for receiving the processing information from the money management apparatus, the amount of money stored in the teller machine, and the amount of money stored in the money management apparatus. Storage means for performing the calculation, and calculating means for updating the amount of money in the money management apparatus based on the processing information.

The money management device is input into the storage means, or input means for inputting the denomination, quantity and / or amount of money withdrawn from the storage means; A measuring means for measuring the denomination, quantity and / or amount of money actually withdrawn from the storage means, and a denomination, quantity and / or amount of money input by the input means and the measuring means. Error notification means for notifying the operator of the money management device of an error when the denomination, quantity and / or amount of money measured differs,
When the denomination, quantity and / or amount of money input by the input means is equal to the denomination, quantity and / or amount of money measured by the measurement means, the money management apparatus performs the processing Send information to the teller machine,
When the denomination, quantity and / or amount of money input by the input means is different from the denomination, quantity and / or amount of money measured by the measurement means, the money management device is configured to process the processing information. May be notified to the operator of the money management apparatus without sending to the cashier.

The money management system further includes a safe for storing a stock of money in the financial institution store,
The storage means of the teller machine stores stock amount in the safe,
When the money is loaded from the safe to the money management device, or when the money is collected from the money management device to the safe, the communication means of the money management device is configured to store the money loaded in the money management device, Alternatively, processing information including the denomination, quantity, and / or amount of money collected in the safe is sent to the teller machine, and the computing means of the teller machine calculates the stock amount based on the processing information. You may make it update.

The storage means of the teller machine stores the amount of money held on hand of a clerk in the financial institution store,
When the money is loaded from the handheld money into the money management apparatus, or when the money is collected from the money management apparatus to the handheld money, the communication means of the money management apparatus is loaded into the money management apparatus. Processing information including money or money type collected in the handheld money, the quantity and / or the amount of money is sent to the cashier, and the computing means of the cashier is based on the processing information. You may make it update the amount of money.

In the case where the money stored by the clerk at the financial institution store is stored in the money management device, the money management device adds the money deposited from the customer to the amount of money stored in the storage means. ,
When the money paid to the customer by the clerk at the financial institution store is taken out from the money management device, the money management device subtracts the money paid to the customer from the amount of money stored in the storage means,
The communication means of the money management apparatus sends processing information including the denomination, quantity and / or amount of money stored in the storage means or taken out of the storage means to the teller machine,
The computing means of the teller machine may update the amount of money in the money management device based on the processing information.

  The teller machine may store the amount of money stored in the storage means of the amount management means as a part of the amount of money held by a clerk in the financial institution store. Good.

  The money management apparatus may convert the processing information into a format that can be handled by the cashier and send it.

  The money management device may be always connected to the teller machine by a wireless LAN or an optical LAN.

When the money management device and the teller machine are not connected in communication, the money management device stores the processing information in the storage means,
The money management apparatus may transmit the processing information to the depositing machine when the money management apparatus and the teller machine are connected online.

A money management method according to an embodiment of the present invention includes a teller machine that manages a stock in a financial institution store, and a money management device that can be connected to the teller machine so as to communicate with each other. A money management method using a management system,
The amount of money managed by the teller machine includes the amount of money in the money management device,
When money is deposited into the money management device, or when money is withdrawn from the money management device, the denomination and quantity of money deposited into the money management device or withdrawn from the money management device And / or measuring the amount in the money management device;
A process of inputting the money type, quantity and / or amount of money deposited into the money management device or withdrawn from the money management device to the money management device;
When the denomination, quantity and / or amount of money measured in the measurement process is equal to the denomination, quantity and / or amount of money input in the input process, the money management device A process of sending processing information including the denomination, quantity and / or amount of money deposited into the device or withdrawn from the money management device to the cashier;
The teller machine includes a step of updating at least the amount of money in the money management apparatus based on the processing information.

  The money management system and the money management method according to the present invention can centrally manage the amount in a financial institution accurately and comprehensively when the cashier receives the amount information of the money management device.

  In the money management system and the money management method according to the present invention, when the clerk takes out or stores cash from the money management apparatus, the bank clerk unifies the cash amount in the money management apparatus without operating the cashier. Can be managed.

It is a system schematic diagram showing an embodiment of the present invention. It is a perspective view which shows the external appearance of the teller machine of FIG. It is a functional block diagram of the teller machine of FIG.1 and FIG.2. It is a perspective view which shows the external appearance of the money management apparatus of FIG. It is a perspective view of the 2nd banknote storage drawer of the money management apparatus of FIG.1 and FIG.4. It is a perspective view of the 2nd coin storage drawer of the money management apparatus of Drawing 1 and Drawing 4. It is a functional block diagram of the money management apparatus of FIG.1 and FIG.4. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an explanatory diagram schematically showing an overview of banknote management by a money management system and a money management method according to an embodiment of the present invention. It is a flowchart which shows an example of the deposit / withdrawal operation process in a money management apparatus. It is explanatory drawing of the screen displayed on the display part of a money management apparatus. It is a figure which shows the screen displayed on the display part of a money management apparatus. It is a figure which shows the screen displayed on the display part of a money management apparatus. It is the figure which displayed the processing data in a money management apparatus on the display part. It is the figure which displayed the content of the processing queue on the display part of the money management apparatus. It is a figure which shows the screen displayed on the display part of the teller machine which received the process queue. It is a figure which shows the screen displayed on the display part of the teller machine which received the process queue. It is a conceptual diagram which shows the whole image which shows the flow of the loading process from stock to a money management apparatus. It is a figure which shows the screen displayed on the display part of a money management apparatus at the time of a collection process. It is the figure which displayed the content of the processing data of the money management apparatus 200 at the time of collection | recovery. It is a figure which shows the screen displayed on the display part of the teller machine which received the process queue. It is a figure which shows the screen displayed on the display part of the teller machine which received the process queue. It is a conceptual diagram which shows the whole image which shows the flow of the collection process from a money management apparatus to stock. It is a figure which shows the screen displayed on the display part of a money management apparatus at the time of a storage process. It is the figure which displayed the content of the processing data of the money management apparatus 200 at the time of accommodation. It is a figure which shows the screen displayed on the display part of the teller machine which received the process queue. It is a conceptual diagram which shows the whole image which shows the flow of the storage process to a money management apparatus. It is a figure which shows the screen displayed on the display part of a money management apparatus at the time of an extraction process. It is the figure which displayed the content of the processing data of the money management apparatus at the time of an extraction process. It is a figure which shows the screen displayed on the display part of the teller machine which received the process queue. It is a conceptual diagram which shows the whole image which shows the flow of the extraction process from a money management apparatus.

  Hereinafter, an embodiment of a money management system and a money management method according to the present invention will be described with reference to the drawings.

  FIG. 1 is a system schematic diagram showing an embodiment of the present invention. A money management system (money processing system) 300 shown in FIG. 1 includes a cashier 100 and a money management device 200 (also called a cash bus) configured to be able to communicate with each other. The teller machine 100 functions as a money management main body machine (money processing main body machine), and the money management apparatus 200 functions as a money management terminal machine (money processing terminal machine). The teller machine 100 and the money management device 200 may be understood as an upper money management device (money processing device) and a lower money management device (money processing device), respectively. In addition, a plurality of money management devices 200 may be provided so as to be communicable with one teller machine 100. Here, the communication between the teller machine 100 and the money management apparatus 200 may be either wired communication or wireless communication.

  FIG. 2 is a perspective view showing the appearance of the teller machine 100. FIG. 3 is a functional block diagram of the teller machine 100.

  As shown in FIG. 2, the teller machine 100 includes a banknote processing unit 11 including a bundled banknote processing unit P1 that processes bundled banknotes and a rose banknote processing unit P2 that processes bulk banknotes, and a rose coin processing apparatus that processes loose coins. 12 and a wrapping coin processing device 13 for processing wrapping coins. In FIG. 2, 21 is a bundled bill dispensing port for dispensing bundled bills, 22 is a rose bill dispensing port for dispensing rose bills, 23 is a wrapping coin dispensing port for dispensing wrapping coins, and 24 is It is a rose coin outlet that withdraws rose coins.

  Further, the teller machine 100 includes a non-cash box 14 for inputting securities other than cash, a control unit 15 for controlling the entire teller machine 100, a keyboard type operation unit 16 for giving various instructions to the control unit 15, and An external printer 18 that performs a printing process in accordance with an instruction from the control unit 15 is provided. The external printer 18 functions as a receipt issuing device and / or an authentication printing printer.

  The control unit 15 includes, as a part thereof, a display unit 15a as an interface with a general employee and an administrator, and an ID card reader 15b that reads the contents of an ID card possessed by the general employee and the administrator. In this embodiment, an ID card reader is used. However, the ID card reader is not limited to this, and any known face authentication terminal or a device that authenticates a user such as a vein that authenticates a finger can be used. You may use.

  As shown in FIG. 3, the control unit 15 includes a ROM 15d storing various programs and data, a RAM 15e serving as a program load area and a work area during program execution, and a flexible disk that reads and writes data from and to the flexible disk. A drive 15f, a hard disk drive 15g that stores various programs and data, and a control main body 15c that controls the entire teller machine 100 by executing programs stored in the ROM 15d and the hard disk drive 15g are provided.

  As shown in FIG. 3, the teller machine 100 includes a communication interface (communication IF) 19 that performs data communication with the money management apparatus 200. As a result, the cashier 100 (money management main body) and the money management apparatus 200 (money management terminal) can communicate with each other. For example, the teller machine 100 and the money management apparatus 200 are connected so that they can communicate with each other via a wireless LAN, an optical LAN, or the like.

  FIG. 4 is a perspective view showing the external appearance of the money management apparatus 200. As shown in FIG. 4, the money management apparatus 200 includes, for example, a first banknote storage drawer 211 that stores and stores 10,000 yen banknotes, a second banknote storage drawer 212 that stores and stores banknotes of other denominations, and 100. A first coin storage drawer 213 for storing and storing yen, 10 yen and 1 yen coins, a second coin storage drawer 214 for storing and storing 500 yen, 50 yen and 5 yen coins, and securities other than cash A preliminary storage drawer 215 that can be loaded.

  The money management apparatus 200 includes a control device 225 (control means) that controls the entire money management apparatus 200, a keyboard-type operation unit 226 that gives various instructions to the control device 225, and a user (personnel (many personnel) A display unit 227 as an interface with the banker) and an administrator), and an ID card reader 228 that reads the contents of an ID card held by a user who performs an operation of depositing and withdrawing money into the storage. .

  The content of the ID card, that is, the ID information stored in the ID card is an aspect of the user information, and the ID card reader 228 is an aspect of the user information acquisition unit. In the example of FIG. 4, a contact type ID card reader 228 is employed, but a non-contact type card reader may be employed. In addition to the ID card reader, similarly to the teller machine 100, a device for using face authentication, vein authentication, or the like may be employed.

  FIG. 5 is a perspective view of the second banknote storage drawer 212 of the money management apparatus 200. As shown in FIG. 5, a bundle of banknotes of three kinds of denominations are regularly stored and stored in the second banknote storage drawer 212. In the example of FIG. 5, four banknote storage containers 221 to 224 are arranged inside the second banknote storage drawer 212, and the denomination of banknotes stored and stored is determined for each container. Moreover, the large bundle banknote which bundled 100 bundle banknotes for every 10 bundles may be stored and stored.

  FIG. 6 is a perspective view of the second coin storage drawer 214 of the money management apparatus 200. As shown in FIG. 6, the second coin storage drawer 214 regularly stores and stores coins in three different denominations. In the example of FIG. 6, three coin storage containers 241 to 243 are arranged inside the second coin storage drawer 214, and the denomination of coins stored and stored is determined for each container.

  On the bottom surface of the coin storage container 241, a load cell 261 is provided as a measuring means for measuring the weight of coins stored and stored in the coin storage container 241. Since the details of the configuration of the load cell 261 are considered to be well known, a description thereof is omitted here. The load cells 261 are similarly provided for the other coin storage containers 242 and 243 and the banknote storage containers 221 to 224. With such a configuration, the weight of money stored and stored is measured for each denomination.

  In addition, the preliminary storage 215 includes a coin preliminary storage unit, a bill preliminary storage unit, and an empty space into which securities other than cash can be put.

  Subsequently, FIG. 7 is a functional block diagram of the control device 225 of the money management device 200. The control device 225 is stored in a ROM 225d storing various programs and data, a RAM 225e serving as a program loading area and a work area during program execution, a hard disk drive 225g storing various programs and data, and a ROM 225d and hard disk drive 225g. An arithmetic control unit 225c that controls the entire money management apparatus 200 by executing a program or the like is provided.

  The calculation control unit 225c (calculation means) is connected to a load cell 261 (weight measurement means) provided corresponding to each denomination, and based on the output value of the load cell 261, the weight of stored and stored money The amount of money corresponding to can be calculated. Then, the hard disk drive 225g stores information related to the input transaction and information indicating the stock status.

  In this embodiment, here, the ID information (user information) read by the ID card reader 228 is also made to correspond to the calculated amount of money (the amount stored and stored after the deposit / withdrawal operation). It is comprised so that it may be memorize | stored.

  In the present embodiment, the amount of money to be deposited / withdrawn from the storage is input in the keyboard type operation unit 226 (input unit), and the arithmetic control unit 225c serves as a scrutinizing unit. The amount calculated from the output value of the load cell 261 and the amount input by the keyboard type operation unit 226 can be scrutinized.

  As shown in FIG. 7, the money management apparatus 200 includes a communication interface (communication IF) 229 that performs data communication with the teller machine 100. Thereby, the money management apparatus 200 (money management terminal) and the teller machine 100 (money management main body machine) can mutually communicate.

  In addition, the control device 225 of the present embodiment is connected to the open / close electromagnetic locks 211m to 215m provided in the drawers 211 to 215 as lock control means. It is possible to switch between a possible open state and a locked state in which money cannot be deposited or withdrawn.

  As a condition for this switching control, user verification is employed in the present embodiment. Specifically, for example, ID information (user information) of a user set in advance as an authorized person is stored in the hard disk drive 225g and is read by the ID card reader 228 (user information acquisition means). The information is configured to be checked against the ID information of the authorized person by the arithmetic control unit 225c as the user identifying means. Only when the result of the collation is YES, that is, when the ID information read by the ID card reader 228 matches the ID information of the user set as a permitted person in advance, the control device 225 can open and close the electromagnetic lock 211m. ˜215 m can be controlled to be in an open state in which money can be stored / removed.

  As another switching control condition, in this embodiment, collation information collation can be employed in addition to user collation. The linkage information is, for example, operation information set for each deposit / withdrawal operation, and is usually data on the denomination and quantity of deposit / withdrawal, but may include data related to the procedure of deposit / withdrawal operation. As a specific mode of collation information collation, for example, collaborative information set in advance as a permission operation is transferred and stored in the RAM 225e, for example, using the communication function from the teller machine 100. A corresponding four-digit cooperation number can be input by the keyboard type operation unit 226 (cooperation information acquisition means). Then, the inputted 4-digit linkage number information can be collated with the linkage information transferred and stored by the arithmetic control unit 225c as the operation identification means. In this case, only when the collation result is YES, that is, when the input 4-digit cooperation number matches the cooperation information of the permitted operation transferred and stored, the control device 225 opens and closes the open / close electromagnetic locks 211m to 211m. 215m can be controlled so that money can be deposited and withdrawn. In this aspect, preferably, the open / close electromagnetic locks 211m to 215m can be individually controlled in accordance with the specific contents of the deposit / withdrawal operation. Specifically, only the drawer that stores the denomination that is to be deposited / withdrawn can be switched to the open state. Furthermore, it is also possible to employ a control mode in which each drawer is sequentially switched to an open state so that a plurality of drawers are not simultaneously opened.

  In addition, in this embodiment, the following configuration is further adopted by utilizing the fact that the money management device 200 (money management terminal) and the teller machine 100 (money management main body) can communicate with each other. Has been.

  The control unit 15 of the teller machine 100 (money management main unit) uses a communication function to check and / or scrutinize the cash data remote check unit of the money management device 200 (money management terminal). It is configured to function as. Specifically, the control unit 15 of the teller machine 100 (money management main unit) can control the arithmetic control unit 225c, which is a scrutinizing means, via the communication interface (communication IF) 19 and the communication interface (communication IF) 229. It is like that.

  In addition, a notification device (alarm device) 280 that outputs a notification signal when the drawers 211 to 215 are open for a predetermined time or longer is further provided.

  The key detection unit 290 in FIG. 7 is a sensor device that detects when the drawer is opened and closed when the money management apparatus 200 is powered off. Although this is a new technology at least in the technical field, it is not directly related to the concept of the present invention, so the description thereof is omitted here.

  FIG. 8 is an explanatory view schematically showing an overall image of banknote management by the money management system and the money management method according to the embodiment of the present invention.

  A money management system according to an embodiment of the present invention includes a cash machine 100 and a money management apparatus 200 configured to be able to communicate with each other. The teller machine 100 and the money management apparatus 200 are configured to be able to communicate with each other, but the communication line may be always connected by a wireless LAN or an optical LAN, or connected by a cable such as a wired LAN. It may be connected intermittently as in the case of being. When the teller machine 100 and the money management apparatus 200 are intermittently connected, the connection can be physically disconnected at any time. Therefore, the money management apparatus 200 can be used by moving to any place in the store. When the communication connection is established by wireless LAN, the money management device 200 can be moved to an arbitrary place in the store and used while maintaining a constant connection between the teller machine 100 and the money management device 200. Note that the money management apparatus 200 can also manage the amount of money alone.

  In the money management system and the money management method according to the embodiment of the present invention, all cash management in the financial institution store is performed by the cashier 100. The stocks managed by the teller machine 100 include stock stocks 6, machine stocks 1, post stocks 2, and hand stocks 3.

  The stock amount 6 is the amount of money stored in the main safe in the financial institution store. The machine balance 1 is the balance of money stored in the teller machine 100. Post balance 2 is a post on the teller machine 100, that is, securities such as a check deposited in the above-mentioned non-cash box 14 or a non-payment ticket that is a damaged or soiled banknote. It is the amount of money that is possible. The amount of cash on hand 3 is the amount of money that is placed under the management by hand, such as temporarily removed from the safe or the teller machine 100 for the purpose of transferring funds. The money management device balance 4 (4X, 4Y), which is the balance of money that is stored and movable, is also managed as a part of the balance held. The money management device balance 4 is managed as a part 4X of the hand held amount 3 in the teller machine 100, but the money management device 200 itself is managed as the money management device balance 4Y. The money management device balance 4Y of the money management device 200 is inquired by the cashier 100 as needed. The money management device balance 4X and the money management device balance 4Y can be matched by transmitting / receiving linkage processing information between the teller machine 100 and the money management device 200 and updating both balance data.

  The cooperation process information is stored in the process management database 400 of the teller machine 100 and updated as needed. This processing management database 400 is stored in the hard disk drive 15g of the teller machine 100, for example.

  When making deposits and withdrawals with customers, deposits and withdrawals are made using the money included in the machine balance or the balance on hand. For example, if the bank deposits cash received from a customer into the cashier, the deposit is added to the machine inventory, and if the bank deposits cash into the money management device, the deposit is on hand. It is added to the money management device stock in the high. In addition, when securities such as checks are deposited from customers, or when non-payment notes are included in the deposited money, they are post-paid into the non-cash box 14 and managed as post-payment. However, when those securities and non-conformity tickets are collected from the post (outer gold box 14) of the teller machine 100, the post amount is managed as a part of the hand amount.

  When there is a shortage of money stored in the teller machine 100, the money is taken out from the safe and replenished to the teller machine 100. When the money cannot be completely stored in the teller machine 100, money is taken from the teller machine 100. Collect and store in the safe. When collecting cash from the cashier machine 100, the amount of funds is transferred from the machine balance to the stock balance via the cash on hand, or when the cash is replenished to the cashier 100, Move to the machine stock via the hand stock.

  Further, when the money stored in the teller machine 100 is insufficient, the money is taken out from the money management apparatus 200 and replenished to the teller machine 100. When the money cannot be completely stored in the teller machine 100, the teller machine Money may be collected from 100 and stored in the money management apparatus 200. In this case, the money is once managed as “hand held by the clerk”. Accordingly, when cash is collected from the cashier 100, the money balance is temporarily moved from the machine balance to the hand-held amount, and then moved from the hand-held amount to the money management apparatus balance. Or when replenishing cash to the teller machine 100, the amount of money is temporarily moved from the money management device amount to the hand amount, and then moved from the hand amount to the machine amount. Here, the money is once moved via the hand holding amount, but the passing of the hand holding amount can be omitted.

  When there is a shortage of money stored in the money management device 200, the money is taken out from the safe and replenished to the money management device 200, or money is replenished to the money management device 200 from the hand held amount. When the money cannot be completely entered into the money management apparatus 200, the money is collected from the money management apparatus 200 and stored in the safe or managed as a hand-held amount. In this case, the balance on hand and other balances are not changed.

  All funds transfer is managed by the cashier 100 as described above. The teller machine 100 collects not only the machine stock in the cashier 100 itself, the post stock, and the stock stock in the safe, but also the hand stock including the cash stock of the clerk and the money management device. to manage.

Next, an operation example of the money handling system according to the present embodiment will be described with reference to a flowchart.

  The operator of the money management apparatus 200 may be either a cashier or a general clerk (teller). The cashier is a higher-ranking authority who is authorized to perform all deposit / withdrawal operations using both the cashier 100 and the money management apparatus 200. On the other hand, a general banker (teller) is a staff member who directly handles a customer at a financial institution store, and has a right to perform deposit / withdrawal operations within a predetermined limit in the teller machine 100. You are an authorized person.

  In the following description, it is assumed that the operator of the money management apparatus 200 is a bank employee.

(Loading process)
FIG. 9 is a flowchart showing an example of a deposit / withdrawal operation process in the money management apparatus 200. 10 and 11A to 12D are diagrams illustrating screens displayed on the display unit 227 of the money management apparatus 200. FIG.

  With reference to FIG. 10, each part of the display part 227 of the money management apparatus 200 is demonstrated. On the upper side of the display unit 227, “processing name”, “processing date and time”, “serial number”, “person in charge number”, and “processing subarea” are displayed. The serial number is a number counted up for each series of processes, and indicates the number of deposit / withdrawal processes up to that point. The processing subarea shows details of a series of processing. Below the display unit 227, a “guidance display unit” for guiding operations, an “error message unit”, and a “status display unit” for displaying processing information in the course of operations are provided. In the central part of the display unit 227, main contents such as a menu, guidance, denomination, quantity and / or amount are displayed. The state display unit indicates the state of the money management apparatus 200 when an error is displayed.

  The operation of the money management apparatus 200 will be described with reference to the steps of FIG. 9 and the screen displays of FIGS. 11 (A) to 12 (D).

  First, the display portion 227 is in the state illustrated in FIG. When the employee inserts the ID card into the ID card reader 228, the ID information of the employee is read by the money management apparatus 200 by the ID card reader 228 (STEP 11 in FIG. 9). Based on the ID information, it is identified whether the employee is an authorized person for operating the money management apparatus 200 (STEP 12).

  If the employee is an authorized person, an operation menu shown in FIG. 11B is displayed on the display unit 227 (STEP 13). While viewing the display, the clerk inputs the processing contents using the keyboard type operation unit 226 (STEP 14). Here, “1. loading” shown in FIG. 11 (B) indicates a process of replenishing money from the “hand of the clerk” or “inventory (main safe)” to the money management apparatus 200, and “2. , A process of collecting money from the money management device 200 to the “hand held by a bank clerk” or “inventory (main safe)”, and “3. storage” is a process of storing money deposited from a customer into the money management device 200. “4. Taking out” indicates a process of taking out money from the money management apparatus 200 in order to pay money to the customer.

  For example, when the money in the money management apparatus 200 is insufficient, the bank employee selects “1. loading”. When the money in the money management apparatus 200 is exceeded, the bank employee selects “2. Collect”. For example, when a bank employee deposits money from a customer and stores the money in the money management apparatus 200 at the window, the bank employee selects “3. On the other hand, when the clerk takes out money from the money management apparatus 200 in order to pay money to the customer at the window, the clerk selects “4.

  Since the operation menus 5 to 10 are not directly related to the present invention, description thereof is omitted.

  In STEP14, the clerk selects one of the operation menus 1 to 4. Here, as shown in FIGS. 11B and 11C, “1. loading” is selected. In other words, in the present embodiment, a process of replenishing money from the hand of the employee or from the inventory (this safe) to the money management apparatus 200 is executed.

  In the screen of FIG. 11C, the clerk inputs a password input for improving security. (STEP 15).

  After collation of the password, the clerk selects a withdrawal source (loading source) using the keyboard type operation unit 226 (STEP 16). The withdrawal source is either “1. on-hand” or “2. stock” as shown in FIG. When loading money from the safe into the money management apparatus 200, the bank clerk selects “2. Stock”. When the money is loaded into the money management apparatus 200 from “hand held by the clerk”, the clerk selects “1. hand held”.

  In the menu display, “1. hand held” and the above “hand held by the clerk” mean money that is placed at the hand of the clerk and managed by the clerk. As described with reference to FIG. 8, the “hand held amount” includes not only the “hand held by the employee” but also the money management device amount. Therefore, it should be noted that “1. hand-held” and “hand-held employee” in the menu display have slightly different meanings from the “hand-held” hand-held amount shown in FIG.

  Next, the clerk inputs details of the deposit / withdrawal operation using the keyboard type operation unit 226 (STEP 17). Specifically, as shown in FIG. 12 (B), data of the denomination and the number of bundles or the number of bundles are input. In FIG. 12B, information on only banknotes is displayed, but when coins are also processed, information on money is added.

  Thereafter, the input completion is detected by the operation of the input completion key by the clerk (STEP 18). When the input is completed, as shown in FIG. 12C, guidance for prompting the loading of cash is displayed, and the money management apparatus 200 automatically opens the door or the drawer.

  The money (input denomination and number of bundles / number) input by the bank employee in STEP 17 is loaded into the money management apparatus 200 (STEP 19). “·” Indicates “and”, and “/” indicates “or”. That is, the bank clerk loads the money of the denomination input in STEP 17 into the money management apparatus 200 by the input quantity. At this time, if the bank employee selects “2. Stock” in STEP 16, the bank employee withdraws money from the safe and loads the money into the money management apparatus 200. When the bank employee selects “1. hand held” in STEP 16, the bank staff loads the money “hand held by the bank employee” into the money management apparatus 200.

  Next, the money actually loaded in the load cell 261 of the money management apparatus 200 is measured (STEP 20). The measurement of money is performed, for example, with the operation of the operator closing the door or the drawer after triggering the loading of money as a trigger. That is, when the closing operation detection devices 211c to 215c detect an operation of closing the door or the drawer, the money is measured. In this case, the bank clerk need not be aware of the measurement of money, and the money management apparatus 200 automatically executes the measurement of money. Alternatively, the measurement of money may be performed by a clerk pressing a predetermined key on the keyboard type operation unit 226.

  In the measurement of money, the measurement value before the door or drawer of the money management apparatus 200 is opened may be subtracted from the measurement value after the door or drawer is closed. The measured value is a measured value of the number of bundles / number of each denomination measured by the load cell 261. The subtraction is performed by the control unit 225c.

  When the denomination and the number / number of bundles / numbers of the money actually loaded (money measured by the load cell 261) are different from the information on the denominations and the number / number of bundles / numbers of coins input by the bank staff in STEP 17 (NO in STEP 21) ), The money management apparatus 200 displays an error on the error message display section, and notifies that the denomination and number of bundles / number of money actually loaded in the status display section are different from the input information. (STEP 22). At the same time, the money management apparatus 200 executes the processing after STEP 17 again. At this time, the previous input information shown in FIG. 12B can be displayed on the display unit 227 in order to save the trouble of re-inputting the denomination and the number of bundles / number and confirming the erroneous input. preferable. Further, in order for the clerk to reload the money management apparatus 200 with money, the money management apparatus 200 may automatically open the door or the drawer. The error may be notified to the bank clerk by voice through a speaker (not shown) provided in the money management apparatus 200 together with the error display or instead of the error display.

  When the denomination and the number / number of bundles of the actually loaded money are the same as the money information input in STEP 17 (YES in STEP 20), the money management apparatus 200 performs a series of processes via the interface 229. Information is transmitted as a processing queue to the teller machine 100 (STEP 23). The transmission of the processing queue is automatically executed according to the result of the measurement of the money in STEP20. That is, STEPs 20 to 23 are executed with a trigger by an operation of closing a door or a drawer by a clerk or a key press. Therefore, the clerk need not be aware of not only the measurement of money but also the transmission of the processing queue.

  After the processing queue is transmitted, a menu is displayed as shown in FIG. 11B, as shown in FIG. Alternatively, when the clerk performs logout, the display returns to the standby state shown in FIG.

  The money management apparatus 200 stores the processing queue in the RAM 225e or the hard disk 225g, and updates the information on the money management apparatus money (part of the hand-held money) managed by itself.

  Thus, a series of operations of the loading process in the money management apparatus 200 is completed.

  Next, the processing queue will be described.

  FIG. 13 is a diagram in which processing data in the money management apparatus 200 is displayed on the display unit 227. The processing data includes processing name, processing date and time, person-in-charge number, serial number, denomination stored in the money management apparatus 200 by the processing, information on the amount and / or amount of the denomination, or the processing Information of the denomination taken out from the money management apparatus 200, the quantity of the denomination and / or the amount of money. The quantity is the number of banknotes or the number of wrapping money. Usually, a bundle of banknotes is a bundle of a predetermined number of banknotes, and a packaged currency is a package of a predetermined number of coins. Therefore, since the amount can be calculated from the denomination / quantity, the input of the amount is omitted in the example of the loading process. On the other hand, in order to confirm the denomination and quantity of the processed money, not only the denomination and quantity but also money amount information may be input to the money management apparatus.

  FIG. 13 reflects the input information shown in FIG. For example, the processing menu “1. loading” selected in FIG. 11B (STEP 14) is reflected in the processing name “loading”. The withdrawal source “2. stock” selected in FIG. 12A (STEP 16) is reflected in the display “stock → money management device” in parentheses of the process name. The denomination / quantity input in FIG. 12B (STEP 17) is reflected in the denomination of FIG. 14, the quantity and / or amount of the denomination.

  The money management apparatus 200 converts the processing data into a format that can be handled by the teller machine 100, and stores the converted data as a processing queue in the hard disk drive 225g or the RAM 225e. For example, FIG. 14 is a diagram in which the contents of the processing queue are displayed on the display unit 227. In the present embodiment, there is no machine counting unit in the money management apparatus 200, and the denomination and quantity of money to be loaded are manually input as shown in STEP 17 of FIG.

  In FIG. 14, money information for manual input in the money management apparatus 200 is displayed. The manually entered money information is the denomination and quantity of money manually entered by the bank employee in STEP 17 of FIG.

  The processing data format may be unified with the processing queue format. In this case, it is not necessary to convert the processing data into the processing queue.

  When the teller machine 100 and the money management apparatus 200 are always connected for communication by a wireless LAN or an optical LAN, the money management apparatus 200 can transmit the processing queue in real time when the loading process is executed.

  On the other hand, when the teller machine 100 and the money management apparatus 200 are intermittently connected by communication, the money management apparatus 200 can receive a plurality of processing data or data when the money management apparatus 200 and the teller machine 100 are not connected by communication. A plurality of processing queues are stored in the hard disk drive 225g or the RAM 225e. When the money management apparatus 200 and the teller machine 100 are connected online, the money management apparatus 200 transmits the unsent processing queues stored in the hard disk drive 225g or the RAM 225e to the teller machine 100 at a time.

  Next, processing in the teller machine 100 that has received the processing queue will be described.

  FIGS. 15A to 16B are diagrams illustrating screens displayed on the display unit 15a of the teller machine 100 that has received the processing queue. When the teller machine 100 receives the processing queue via the interface 19, it updates each stock amount shown in FIG. 8 according to the information of the processing queue.

  The teller machine 100 can recognize from the processing queue that the process of loading money from the stock (this safe) to the money management apparatus 200 has been executed. In this case, as shown in FIG. 15A and FIG. 15B, the control unit 15c subtracts the loaded amount from the inventory inventory. In the above processing, one bundle (100 sheets) of 10,000 tickets and one bundle (100 sheets) of 5,000 yen tickets are loaded. Therefore, the control unit 15c calculates 1 million yen and 500,000 yen from the corresponding denominations, respectively. Subtract. As a result, the inventory inventory is subtracted as shown in FIG.

  On the other hand, as shown in FIGS. 16 (A) and 16 (B), the control unit 15c adds the amount of the loaded money to the holding amount. In the above processing, since 100 000 tickets and 100 5,000 yen tickets are loaded, the control unit 15c adds 1 million yen and 500,000 yen to the corresponding denominations. As a result, the hand holding amount is added as shown in FIG.

  FIG. 17 is a conceptual diagram showing an overall image showing the flow of the loading process from the stock to the money management apparatus 200. First, in the money management apparatus 200, a bank clerk selects “loading” as a process, and selects “inventory” as a withdrawal source (STEPs 14 and 16 in FIG. 9). After executing the loading process, the money management apparatus 200 stores the processing queue and transmits the processing queue to the cashier 100 (STEP 23 in FIG. 9).

  The teller machine 100 registers the received processing queue in the processing management database. Thereafter, the amount of money stored in the hard disk 15g is updated according to the contents of the processing queue. In the present embodiment, money is loaded from the stock into the money management apparatus 200. Therefore, in the teller machine 100, the control unit 15c subtracts the loaded amount from the inventory inventory data, and adds the loaded amount to the inventory data. At this time, since there is no change in the money stored in the teller machine 100, the machine stock is unchanged.

  If there is a slip in the loaded money, the denomination, quantity and amount of the slip will be added to the post balance, not to the balance on hand.

  In FIG. 12A, when “1. hand held” is selected, as described with reference to FIG. 8, “money management device stock” is a part of “hand stock”. As long as there is no, each stock amount shown in FIG. 17 does not change. However, in the case of managing the “cash management device stock” in the “hand holding amount”, the loaded amount is changed from the “hand holding amount” other than the money management device stock amount to the “money management device stock amount”. Move to “High”.

  Information on the process management database, transaction management database, inventory inventory, hand inventory, post inventory, and machine inventory is stored in the RAM 15e of the teller machine 100 or the hard disk drive 15g. The addition and subtraction of each stock amount is executed in the control unit 15c.

(Recovery processing)
The collection process will be described with reference to FIGS. 9, 11, and 18. FIG. 18 is a diagram illustrating a screen displayed on the display unit 227 of the money management apparatus 200 subsequent to FIG.

  The operations from the insertion of the ID card to the input of the password are the same as those in STEP 11 to 15 shown in FIG. However, in the collection process, in FIG. 11B (STEP 14), the clerk selects “2. Collection”. As a result, the process name shown in FIGS. 11C and 18A to 18C is “collected”.

  Next, the bank clerk uses the keyboard type operation unit 226 to select a fund transfer source (STEP 16 in FIG. 9). In the case of the collection process, the movement source is either “1. on-hand” or “2. stock” as shown in FIG. When collecting money from the money management apparatus 200 to the safe, the bank clerk selects “2. Stock”. When the money is loaded from the money management apparatus 200 to “hand held by the clerk”, the clerk selects “1. Here, “2. Stock” is selected.

  Next, the clerk inputs details of the deposit / withdrawal operation using the keyboard type operation unit 226 (TEP17). Thereafter, the input completion is detected by the operation of the input completion key by the clerk (STEP 18). When the input is completed, guidance for prompting cash collection is displayed as shown in FIG.

  As the bank clerk inputs at STEP 17, money is collected from the money management apparatus 200 (STEP 19). That is, the bank employee collects money of the denomination input in STEP 17 from the money management apparatus 200 by the input quantity. At this time, if the clerk selects “2. Stock” in STEP 16, the clerk puts the collected money into the safe. When the employee selects “1. held” in STEP 16, the employee manages the collected money as “held by the employee” at hand.

  The load cell 261 of the money management apparatus 200 measures the money actually collected (STEP 20 in FIG. 9). The measurement of money is executed in the same manner as the measurement of money during the loading process of FIG.

  When the money type / quantity of the actually collected money is different from the money information input in STEP 17 (NO in STEP 21), the money management apparatus 200 displays an error message on the display unit and also displays a status display. It is notified that the denomination / quantity of the money actually loaded in the part is different from the input information (STEP 22). Further, the processing after STEP 17 is executed again. The above error may be notified to the clerk by voice through a speaker provided in the money management apparatus 200 together with or instead of the error display.

  When the denomination and quantity of the money actually collected are the same as the money information input in STEP 17 (YES in STEP 21), the money management apparatus 200 processes a series of processing information via the interface 229. The data is transmitted as a queue to the teller machine 100 (STEP 23). The transmission of the processing queue is executed after STEP 19 by using an operation of closing a door or a drawer or pressing of a key as a trigger.

  Since the operation of the money management apparatus 200 after the transmission of the processing queue is the same as the above loading process, the description thereof is omitted.

  FIG. 19 is a diagram showing the contents of the processing data of the money management apparatus 200 at the time of collection. The processing data reflects input information in the collection process. For example, the process menu “2. collection” selected in FIG. 11B (STEP 14) is reflected in the process name “collection” in FIG. The collection destination “2. stock” selected in FIG. 18A (STEP 16) is reflected in the display “money management device → stock” in parentheses of the process name in FIG. The denominations / quantities input in FIG. 18B (STEP 17) are reflected in the denominations, quantities and amounts of “withdrawal” in FIG.

  With reference to FIG. 14, the processing queue at the time of collection will be described. The contents of the process data shown in FIG. 19 are reflected in the process queue for the collection process. Therefore, the processing name is displayed as “collection”, and the display of the processing name in parentheses is “money management device → inventory” as in the processing data. Further, the amount and amount of denominations for manual payment from the money management apparatus 200 are displayed in the processing queue.

  When “1. hand-held” is selected in FIG. 18A (STEP 16), the processing data and the display of the processing name in the processing queue in parentheses are “money management device → hand-held”.

  Next, processing in the teller machine 100 that has received the processing queue will be described.

  FIGS. 20A to 21B are diagrams showing screens displayed on the display unit 15a of the teller machine 100 that has received the processing queue. In the case of the collection process, as shown in FIGS. 20 (A) and 20 (B), the amount of the collected money is subtracted from the money held on hand (money management device balance). In the above process, one bundle (100 sheets) of 10,000 tickets and one bundle (100 sheets) of 5,000 yen tickets are collected, so 1 million yen and 500,000 yen are subtracted from the corresponding denomination, respectively. As a result, as shown in FIG. 20 (B), the hand holding amount (money management device stock amount) is subtracted.

  In addition, when “1. hand held” is selected in FIG. 18A (STEP 16) and the money management device balance is managed separately from other hand holding amounts, the amount of money collected Is subtracted from the amount held on hand other than the money management device.

  On the other hand, as shown in FIGS. 21A and 21B, the amount of the collected money is added to the inventory inventory. In the above processing, since 100 million tickets and 100 5,000 yen tickets have been collected, 1 million yen and 500,000 yen are added to the corresponding denominations. As a result, the stock amount is added as shown in FIG.

  FIG. 22 is a conceptual diagram showing an overall image showing the flow of collection processing from the money management apparatus 200 to the stock. In the money management apparatus 200, the bank clerk selects “collection” as the process, and selects “inventory” as the collection destination (STEPs 14 and 16 in FIG. 9). After execution of the collection process, the money management apparatus 200 saves the processing queue and transmits the processing queue to the cashier 100 (STEP 13).

  The teller machine 100 registers the received processing queue in the processing management database. Thereafter, each stock amount is updated according to the contents of the processing queue. In the present embodiment, money is collected from the money management apparatus 200 to the inventory. Accordingly, the cashier 100 subtracts the collected money amount from the data on the cash on hand, while adding the collected money amount to the data on the stock balance. At this time, the machine inventory is unchanged.

  If the collected money has a non-payable ticket, the denomination, quantity and amount of the non-payable ticket are added to the post balance, not to the stock balance.

  Since other operations of the collection process can be easily estimated from the operation of the loading process, description thereof is omitted.

(Storage process)
With reference to FIG. 9, FIG. 11, and FIG. 23, the storing process in the money management apparatus 200 will be described. FIG. 23 is a diagram illustrating a screen displayed on the display unit 227 of the money management apparatus 200 subsequent to FIG. 11C during the storage process.

  The operations from the insertion of the ID card to the input of the password are the same as those in STEP 11 to 15 shown in FIG. However, in the storage process, in FIG. 11B (STEP 14), the clerk selects “3. Storage”. As a result, the process name shown in FIGS. 11C and 23A to 23C is “accommodated”.

  Next, the bank clerk uses the keyboard-type operation unit 226 to select a storage destination as a fund transfer source (STEP 16). As shown in FIG. 23 (A), the storage location is either “1. On-hand” or “2. Money management device”. When collecting the money deposited from the customer to the money management apparatus 200, the clerk selects “2. Money management apparatus”. When the money deposited from the customer is placed and managed by the clerk, the clerk selects “1. Here, “2. Money management device” is selected.

  Next, the clerk inputs details of the deposit / withdrawal operation using the keyboard type operation unit 226 (STEP 17).

  Thereafter, the input completion is detected by the operation of the input completion key by the clerk (STEP 18). When the input is completed, guidance for prompting storage of cash is displayed as shown in FIG.

  The clerk stores the money in the money management apparatus 200 as input in STEP 17 of FIG. 9 (STEP 19). That is, the bank employee stores the money of the denomination input in STEP 17 in the money management apparatus 200 by the input quantity. The money actually stored in the load cell 261 of the money management apparatus 200 is measured (STEP 20). The measurement of money is executed in the same manner as in the loading process and the collecting process.

  When the denomination, quantity and / or amount of money actually stored is different from the money information entered in STEP 17 (NO in STEP 21), the money management apparatus 200 displays an error message on the display unit. In addition, it is notified that the denomination / quantity of the money actually loaded in the status display section is different from the input information (STEP 22). At the same time, the processing after STEP 17 is executed again. The above error may be notified to the clerk by voice through a speaker provided in the money management apparatus 200 together with or instead of the error display.

  When the money type and quantity of the money actually stored are the same as the money information input in STEP 17 (YES in STEP 20), the money management apparatus 200 processes a series of processing information via the interface 229. The data is transmitted as a queue to the teller machine 100 (STEP 23). The transmission of the processing queue is executed after STEP 19 by using an operation of closing a door or a drawer or pressing of a key as a trigger.

  Since the operation of the money management apparatus 200 after the transmission of the processing queue is the same as the above loading process, the description thereof is omitted.

  FIG. 24 is a diagram showing the contents of the processing data of the money management apparatus 200 at the time of storage. The processing data reflects input information in the storage process. For example, the processing menu “3. storage” selected in FIG. 11B (STEP 14) is reflected in the processing name “storage” in FIG. The storage location “2. money management device” selected in FIG. 23A (STEP 16) is reflected in the display “customer → money management device” in parentheses of the processing name in FIG. The denomination / quantity input in FIG. 23 (B) (STEP 17) is reflected in the denomination, quantity, and amount of the “storage” in FIG.

  With reference to FIG. 14, a processing queue at the time of storage processing will be described. The contents of the process data shown in FIG. 24 are reflected in the process queue of the storage process. Therefore, the process name is displayed as “storage”, and the display in the parentheses of the process name is “customer → money management device” similarly to the process data. In addition, the quantity and / or amount of money denomination for money manually input from the money management apparatus 200 is displayed in the processing queue.

  Note that, when “1. Hand-held by clerk” is selected in FIG. 23A (STEP 16), the process of storing money in the money management apparatus 200 is not executed in STEP 19, and the clerk manages the money at hand. In this case, in STEP 17, after the bank clerk inputs the denomination / quantity, the measurement of money in STEP 20 is executed using the operation of the input completion key in STEP 18 as a trigger. In this case, the display in parentheses of the processing data and the processing name in the processing queue is “customer → held on hand”.

  Next, processing in the teller machine 100 that has received the processing queue will be described.

  FIG. 25A and FIG. 25B are diagrams showing screens displayed on the display unit 15a of the teller machine 100 that has received the processing queue. In the case of storage processing in the money management apparatus 200, as shown in FIGS. 25 (A) and 25 (B), the teller machine 100 adds the amount of the stored money to the hand held amount (money management apparatus stock amount). To do. In the above processing, one bundle (100 sheets) of 10,000 tickets and one bundle (100 sheets) of 5,000 yen tickets are stored, so the teller machine 100 has 1 million yen and 500,000 yen for each corresponding denomination. Is added. As a result, the hand holding amount is added as shown in FIG.

  Note that, in FIG. 23A (STEP 16), when “1. Employee's hand held” is selected and the money management device balance is managed separately from other hand held amounts, the teller machine 100 is stored. The amount of money that has been added is added to the amount held on hand other than the amount on the money management device.

  FIG. 26 is a conceptual diagram showing an overall image showing the flow of storage processing in the money management apparatus 200. First, in the money management apparatus 200, a bank clerk selects “storage” as a process, and selects “money management apparatus” as a storage destination (STEPs 14 and 16 in FIG. 9). After execution of the storage process, the money management apparatus 200 stores the processing queue and transmits the processing queue to the cashier 100 (STEP 23).

  The teller machine 100 registers the received processing queue in the processing management database. Thereafter, each stock amount is updated according to the contents of the processing queue. In the present embodiment, money is stored in the money management apparatus 200. Therefore, the stored amount is added to the data on hand. At this time, inventory inventory and machine inventory remain unchanged.

  If there is a non-conformity in the collected money, the denomination, quantity and amount of the non-conformity will be added to the post balance without adding to the stock on hand.

  Since other storage processes can be easily estimated from the loading process, the description thereof is omitted.

(Removal processing)
With reference to FIG. 9, FIG. 11 and FIG. 27, the take-out process in the money management apparatus 200 will be described. 27 (A) to 27 (D) are diagrams showing screens displayed on the display unit 227 of the money management apparatus 200 following FIG. 11 (C) during the extraction process.

  The operations from the insertion of the ID card to the input of the password are the same as those in STEP 11 to 15 shown in FIG. However, in the extraction process, in FIG. 11B (STEP 14), the clerk selects “4. Extraction”. As a result, the process name shown in FIGS. 11C and 27A to 27C is “removal”.

  Next, the bank clerk uses the keyboard type operation unit 226 to select a withdrawal source as a source of funds transfer (STEP 16). As shown in FIG. 27A, the take-out source is either “1. On-hand” or “2. Money management device”. When taking out the money to be paid to the customer from the money management apparatus 200, the bank clerk selects “2. Money management apparatus”. When paying money to the customer from the “hand of the clerk”, the clerk selects “1. Here, “2. money management device” is selected.

  Next, the clerk inputs details of the deposit / withdrawal operation using the keyboard type operation unit 226 (STEP 17).

  Thereafter, the input completion is detected by the operation of the input completion key by the clerk (STEP 18). When the input is completed, guidance for prompting the withdrawal of cash is displayed as shown in FIG.

  As the bank clerk inputs at STEP 17, money is taken out from the money management apparatus 200 (STEP 19). That is, the clerk takes out the money of the denomination input in STEP 17 from the money management apparatus 200 by the input quantity. The load cell 261 of the money management apparatus 200 measures the money actually taken out (STEP 20).

  When the denomination / quantity of the money actually taken out is different from the money information input in STEP 17 (NO in STEP 21), the money management apparatus 200 displays an error on the error message display unit and The display unit notifies that the denomination and quantity of the money actually taken out are different from the input information (STEP 22). Further, the processing after STEP 17 is executed again. The above error may be notified to the clerk by voice through a speaker provided in the money management apparatus 200 together with or instead of the error display.

  When the denomination / quantity of the money actually taken out is the same as the money information input in STEP 17 (YES in STEP 20), the money management apparatus 200 processes a series of processing information via the interface 229. The data is transmitted as a queue to the teller machine 100 (STEP 23). The transmission of the processing queue is executed after STEP 19 by using an operation of closing a door or a drawer or pressing of a key as a trigger.

  Since the operation of the money management apparatus 200 after the transmission of the processing queue is the same as the above loading process, the description thereof is omitted.

  FIG. 28 is a diagram showing the contents of the processing data of the money management apparatus 200 during the extraction process. The processing data reflects input information in the extraction process. For example, the process menu “4. Extract” selected in FIG. 11B (STEP 14) is reflected in the process name “Extract” in FIG. The take-out destination “2. money management device” selected in FIG. 35A (STEP 16) is reflected in the display “money management device → customer” in parentheses of the processing name in FIG. The denominations / quantities input in FIG. 27B (STEP 17) are reflected in the denominations, quantities and amounts of “withdrawal” in FIG.

  With reference to FIG. 14, the process queue at the time of the extraction process will be described. The contents of the processing data shown in FIG. 28 are reflected in the processing queue of the extraction processing. Therefore, the processing name is displayed as “removal”, and the display of the processing name in parentheses is “money management device → customer” as in the processing data. In addition, the quantity and / or amount of money denominated from the money management apparatus 200 is displayed in the processing queue.

  Note that when “1. Hand-held by employee” is selected in FIG. 27A (STEP 16), the process of taking out money from the money management apparatus 200 is not executed in STEP 19 of FIG. 9, and the employee is managed at hand. Take out the money from the “hand of the banker”. In this case, in STEP 17, after the bank clerk inputs the denomination / quantity, the measurement of money in STEP 20 is executed using the operation of the input completion key in STEP 18 as a trigger. Further, in this case, the display in parentheses of the processing data and the processing name in the processing queue is “hand-held employee → customer”.

  Next, processing in the teller machine 100 that has received the processing queue will be described.

  FIGS. 29A and 29B are diagrams illustrating screens displayed on the display unit 15a of the teller machine 100 that has received the processing queue. In the case of the withdrawal process from the money management apparatus 200, the teller machine 100 subtracts the amount of the removed money from the hand held amount (money management apparatus stock amount). In the above process, one bundle (100 sheets) of 10,000 tickets and one bundle (100 sheets) of 5,000 yen tickets have been taken out, so the cashier 100 can make 1 million yen and 500,000 yen from the corresponding denominations, respectively. Is subtracted. As a result, the hand holding amount is updated as shown in FIG.

  In FIG. 27 (A) (STEP 76), when “1. Employee's hand holding” is selected and the money management device balance is managed separately from other hand holding amounts, the teller machine 100 The amount of money spent is subtracted from the amount held on hand other than the money management device.

  FIG. 30 is a conceptual diagram showing an overall image showing the flow of the extraction process from the money management apparatus 200. First, in the money management apparatus 200, a bank clerk selects “removal” as a process, and selects “money management apparatus” as a take-out source (STEPs 14 and 16 in FIG. 9). After execution of the take-out process, the money management apparatus 200 stores the process queue and transmits the process queue to the teller machine 100 (STEP 23 in FIG. 9).

  In the teller machine 100, the processing queue is registered in the processing management database. Thereafter, each stock amount is updated according to the contents of the processing queue. In the present embodiment, money is taken out from the money management apparatus 200. Therefore, the amount of money taken out is subtracted from the data on the balance on hand. At this time, inventory inventory and machine inventory remain unchanged.

  Since other extraction processes can be easily estimated from the loading process, the description thereof is omitted.

  The processing of “loading”, “recovery,“ storage ”, and“ removal ”has been described above. For other processing in the money management apparatus 200, a processing queue is transmitted from the money management apparatus 200 to the teller machine 100, and the payment is made. In the machine 100, each stock amount may be managed centrally.

  With respect to the money collected in the stock (this safe) and the money taken out from the stock, the processing data is transmitted from the stock (this safe) to the cashier 100 without going through the money management device 200.

  According to the money management system and the money management method according to the present embodiment, the money management apparatus 200 that constitutes the money management system together with the teller machine 100 disconnects the communication line or maintains the connection of the communication line. It can be used by moving to an arbitrary place, and processing information relating to the deposit / withdrawal operation related to the depositing / dispensing machine 100 and the money management apparatus 200 can be transmitted to the accounting machine 100. As a result, the teller machine 100 can accurately and centrally manage not only inventory inventory, machine inventory, and post inventory, but also hand inventory including money management device inventory.

  In addition, when the clerk deposits or withdraws money from the money management apparatus 200, the clerk does not need to operate the cashier 100. Therefore, it is possible to centrally manage the amount of money in the financial institution in the teller machine 100 by operating only the teller machine 100 by the bank clerk. As a result, it is possible to save the labor of the clerk and to realize low-cost business management.

  In addition, since the transfer of funds between the teller machine 100 and the money management apparatus 200 is once handled as “held by the clerk”, the clerk stores the money in the teller machine 100 after executing the above withdrawal process. The teller machine 100 moves the money amount from the hand-held amount to the machine amount.

  In the present embodiment, the processing queue transmitted from the money management apparatus 200 is stored in a storage device such as the hard disk drive 15g of the teller machine 100. However, only when the teller machine 100 makes an inquiry to the money management apparatus 200 without storing it in the storage device of the teller machine 100, the money management apparatus 200 stores the processing queue held in the hard disk drive 225g or the like. May be sent to.

  Further, by managing the money transfer process in the cashier 100 and the money management apparatus 200 using the process queue, the deposit / withdrawal process in the money management apparatus 200 set in one process queue and the deposit / withdrawal process in the possession of the stock or the clerk. Can be executed by a separate operator. Thereby, compared with the case where both processes are performed by one operator, time until both money transfer processes are completed can be reduced significantly. Furthermore, both money transfer processes can be completed almost simultaneously.

DESCRIPTION OF SYMBOLS 100 Cash machine 200 Money management apparatus 300 Money management system 400 Processing management database 11 Banknote processing apparatus P1 Bundled banknote processing part P2 Bulk banknote processing part 12 Bulk coin processing apparatus 13 Packing coin processing apparatus 14 Outer cash box 15 Control part 15a Display part 15b ID card reader 15c Control body 15d ROM
15e RAM
15f Flexible disk drive 15g Hard disk drive 16 Keyboard type operation unit 18 External printer 19 Communication interface (communication IF)
21 Bundled bill withdrawal port 22 Bulk bill withdrawal port 23 Packaging coin withdrawal port 24 Bulk coin withdrawal port 211 First bill storage drawer 212 Second coin storage drawer 213 First bill storage drawer 214 Second coin storage drawer 215 Preliminary Storage 211m to 215m Open / close electromagnetic lock 221 to 224 Bill storage container 241 to 243 Coin storage container 261 Load cell 225 Control device (control means)
225d ROM
225e RAM
225g Hard disk drive 225c Control operation unit 226 Keyboard type operation unit 227 Display unit 228 ID card reader 229 Communication interface (communication IF)

Claims (10)

A money management system comprising a teller machine for managing the amount of money in a financial institution store, and a money management device connectable so as to be able to communicate with the teller machine,
The money management device includes:
Storage means for storing money;
Storage means for storing the amount of money stored in the storage means;
The money denomination, quantity and / or amount of money deposited or withdrawn from the storage means when money is deposited into the storage means or money is withdrawn from the storage means Communication means for sending processing information including
The teller machine
Communication means for receiving the processing information from the money management device;
Storage means for storing at least the amount of money stored in the teller machine and the amount of money stored in the money management device;
A money management system comprising: a calculation unit that updates at least the amount of money in the money management apparatus based on the processing information. The money management device includes:
Input means for inputting the denomination, quantity and / or amount of money deposited in the storage means or withdrawn from the storage means;
Measuring means for measuring the denomination, quantity and / or amount of money that is actually deposited in the storage means or actually withdrawn from the storage means;
If the denomination, quantity and / or amount of money input by the input means is different from the denomination, quantity and / or amount of money measured by the measurement means, an error is given to the operator of the money management apparatus. An error notification means for notifying
When the denomination, quantity and / or amount of money input by the input means is equal to the denomination, quantity and / or amount of money measured by the measurement means, the money management apparatus performs the processing Send information to the teller machine,
When the denomination, quantity and / or amount of money input by the input means is different from the denomination, quantity and / or amount of money measured by the measurement means, the money management device is configured to process the processing information. 2. The money management system according to claim 1, wherein an error is notified to an operator of the money management apparatus without sending the money to the teller machine. A safe for storing money in the financial institution store;
The storage means of the teller machine stores stock amount in the safe,
When the money is loaded from the safe to the money management device, or when the money is collected from the money management device to the safe, the communication means of the money management device is configured to store the money loaded in the money management device, Alternatively, processing information including the denomination, quantity, and / or amount of money collected in the safe is sent to the teller machine, and the computing means of the teller machine calculates the stock amount based on the processing information. The money management system according to claim 1, wherein the money management system is updated. The storage means of the teller machine stores the amount of money held on hand of a clerk in the financial institution store,
When the money is loaded from the handheld money into the money management apparatus, or when the money is collected from the money management apparatus to the handheld money, the communication means of the money management apparatus is loaded into the money management apparatus. Processing information including money or money type collected in the handheld money, the quantity and / or the amount of money is sent to the cashier, and the computing means of the cashier is based on the processing information. The money management system according to any one of claims 1 to 3, wherein the amount of money is updated. In the case where the money stored by the clerk at the financial institution store is stored in the money management device, the money management device adds the money deposited from the customer to the amount of money stored in the storage means. ,
When the money paid to the customer by the clerk at the financial institution store is taken out from the money management device, the money management device subtracts the money paid to the customer from the amount of money stored in the storage means,
The communication means of the money management apparatus sends processing information including the denomination, quantity and / or amount of money stored in the storage means or taken out of the storage means to the teller machine,
5. The money management system according to claim 1, wherein the calculation unit of the cashier updates the amount of money in the money management apparatus based on the processing information. .   The teller machine stores the amount of money stored in the storage means of the amount management means as a part of the amount of money held by a clerk in the financial institution store. The money management system according to any one of claims 1 to 5.   The money management system according to any one of claims 1 to 6, wherein the money management device converts the processing information into a format that can be handled by the teller machine and sends it.   The money management system according to claim 1, wherein the money management apparatus is always connected to the teller machine through a wireless LAN or an optical LAN. When the money management device and the teller machine are not connected in communication, the money management device stores the processing information in the storage means,
2. The money management system according to claim 1, wherein the money management apparatus transmits the processing information to the cashier when the money management apparatus and the cashier are online. A money management method using a money management system comprising a teller machine for managing the amount of money in a financial institution store, and a money management device connectable so as to communicate with the teller machine,
The amount of money managed by the teller machine includes the amount of money in the money management device,
When money is deposited into the money management device, or when money is withdrawn from the money management device, the denomination and quantity of money deposited into the money management device or withdrawn from the money management device And / or measuring the amount in the money management device;
A process of inputting the money type, quantity and / or amount of money deposited into the money management device or withdrawn from the money management device to the money management device;
When the denomination, quantity and / or amount of money measured in the measurement process is equal to the denomination, quantity and / or amount of money input in the input process, the money management device A process of sending processing information including the denomination, quantity and / or amount of money deposited into the device or withdrawn from the money management device to the cashier;
A money management method comprising: a process in which the cashier updates at least the amount of money in the money management apparatus based on the processing information.

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