JP2011215789A - Atm operation management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an ATM (Automated Teller Machine) operation management system that provides an operation service company with changes in cash balance in each ATM in real time.SOLUTION: The ATM operation management system includes ATM terminals, a host computer of a financial institution, an ATM operation management device, and a GW (Gateway) server. The GW server has: a relay means relaying communication including transaction information related to money reception/payment between each ATM terminal and the host computer; and a transaction information storage means storing the transaction information included in the relayed communication. The ATM operation management device has: a cash balance storage means storing cash balance information in each ATM terminal with information consistency for each predetermined period; and a calculation means calculating an increase/decrease in the cash balance in each ATM terminal based on the transaction information stored in the transaction information storage means, and comparing the increase/decrease of the cash balance and the cash balance information to calculate the current cash balance information.

Description

  The present invention relates to the field of ATM operation management systems.

  In recent years, financial institutions have come to outsource the operation and maintenance of ATMs (Automated Teller Machines) to contractors such as security companies. A security company entrusted by a financial institution performs ATM trouble handling, manages cash in the ATM, and appropriately replenishes or collects cash in the ATM so as not to stop the ATM. As a technique related to this, Patent Document 1 describes an invention related to an ATM cash cassette exchange schedule, that is, an invention of a security service processing system capable of efficiently scheduling cash replenishment collection work in an ATM.

  When outsourcing operation and maintenance operations, financial institutions lend a certain amount of deposit (cash) to the security company in advance, and the security company uses this deposit to supplement or collect cash within each ATM. ing. In addition, in order to keep the deposits at a certain amount, the security company charges the decrease to the financial institution as appropriate, and the security company pays the increase to the financial institution. This deposit (security company deposit + ATM balance) is managed, for example, in a deposit DB on the security company side.

Here, the ATM and the financial institution (host center) are connected by a network, and when the user uses the ATM, the following settlement processing is performed in real time.
(1) A transaction request from ATM (transaction such as deposit / withdrawal and transfer) is transmitted to the financial institution host computer.
(2) The financial institution host computer performs authentication, account confirmation, etc., and the financial institution host computer sends a decision as to whether the transaction is possible to the ATM.
(3) ATM conducts transactions with users based on the determination of availability.
(4) When the transaction ends, the ATM transmits a signal indicating that the transaction is completed to the financial institution host computer.
(5) The financial institution host computer receives the signal that the transaction is completed and performs final settlement processing (payment / withdrawal processing for the account balance, etc.).

  As described above, since the settlement processing is only performed by the ATM and the financial institution side, the real-time cash amount information in the ATM is naturally managed by the financial institution host computer. In addition, as a technique related to this, Patent Document 2 discloses a payment management in which payment processing is performed through a communication line with an automatic transaction apparatus and a plurality of financial institutions, and a large number of bank transaction data can be managed collectively. The system is described.

  Now, in order to update and confirm the cash balance in the ATM, the security company is currently performing a reconciliation work (amount summation work) with the financial institution once a day. The financial institution host computer performs payment processing with the ATM in real time, and since the ATM is operated by the financial institution, the cash balance information in the ATM on the financial institution host computer side and the deposit on the security company side By checking with DB, cash balance information in ATM is updated and confirmed.

  FIG. 1 is a system configuration diagram between a conventional ATM, a financial institution host center, and a security company. As described above, settlement processing is performed between the ATM and the financial institution (host center) via the network, and the security company and the financial institution perform a matching operation once a day.

JP 2001-357204 A JP 2000-285314 A

  Conventionally, a security company schedules cash replenishment or collection work within each ATM so as not to stop the ATM while referring to the cash balance within the ATM managed by the security company's deposit DB or the like. However, it is difficult to predict the daily ATM transaction amount on a day in which a large amount of transactions are performed compared to other days, such as a salary day. In this case, it is necessary to replenish a considerable amount of cash in anticipation of running out of cash, which sometimes increases the reserve funds more than necessary. Also, if the daily transaction amount suddenly increases in a short period of time due to an event near the ATM, the security company cannot grasp this until it is about to run out of cash. If it is out of date, a predetermined signal is sent from the ATM to the security company), and it is necessary to urgently dispatch personnel to replenish cash. In this case, schedule efficiency deteriorates and costs increase.

  Although the security company also knows the cash balance within each ATM from the deposit DB, the information on the increase or decrease in the ATM cash balance is reflected in the deposit DB with the financial institution once a day. Because it is at the time of reconciliation work, if there is a sudden change in ATM cash balance on a certain day as described above, the information grasped by the security company is information up to 24H before It is difficult to grasp this with a margin. For this reason, if a sudden change in the ATM cash balance occurred, the security company had to take action such as dispatching personnel immediately before the cash was exhausted.

  In view of the above points, an object of the present invention is to provide an ATM operation management system capable of grasping a change in cash balance in each ATM in real time even on an ATM operation contractor side.

  In order to solve the above problems, an ATM operation management system according to the present invention includes an ATM terminal for depositing / withdrawing money to a user, and a host computer of a financial institution that controls whether or not depositing / withdrawing is received in response to a transaction request from the ATM terminal. And an ATM operation management system comprising a ATM operation management device for managing the cash balance in the ATM terminal, and a GW server, wherein the GW server is a deposit / withdrawal between the ATM terminal and the host computer. A relay unit that relays communication including transaction information relating to the transaction, and a transaction information storage unit that stores transaction information included in the communication relayed by the relay unit. The ATM operation management device includes: The cash balance information in the ATM terminal managed by the host computer for each predetermined period based on the arrangement of Based on the transaction information stored in the transaction information storage means, the cash balance storage means for storing the cash balance information in the ATM terminal in which the information consistency for each predetermined period is ensured by the assembling work, the ATM And calculating means for calculating current cash balance information by calculating an increase / decrease amount of the cash balance in the terminal and matching the increase / decrease amount of the cash balance with the cash balance information.

  Further, in order to solve the above-mentioned problem, in the ATM operation management system, the ATM operation management apparatus is configured such that when the increase / decrease amount of the cash balance per unit time is equal to or greater than a predetermined amount, There is a notification means for notifying the replenishment or collection of the cash balance.

  Further, in order to solve the above-mentioned problem, in the ATM operation management system, the ATM operation management device, when the fluctuation rate of the increase / decrease amount of the cash balance per unit time is a predetermined rate or more, It has a notification means for notifying the cash balance in the ATM terminal for replenishment or collection.

  In addition, what applied the arbitrary combination of the component of this invention, expression, or a component to a method, an apparatus, a system, a computer program, a recording medium, etc. is also effective as an aspect of this invention.

  ADVANTAGE OF THE INVENTION According to this invention, the ATM operation management system which can grasp | ascertain the fluctuation | variation of the cash balance in each ATM in real time also on the ATM operation consignment side can be provided.

It is a system block diagram between the conventional ATM, a financial institution host center, and a security company. It is a system configuration figure concerning this embodiment. 2 is a hardware configuration diagram illustrating a main configuration of an embodiment of a GW server 10. FIG. 2 is a functional block diagram showing main functions of an embodiment of a GW server 10 and an ATM operation management server 20. FIG. The example of transaction information of transaction information DB11 is shown. The example of the cash balance information of deposit DB21 is shown. It is a flowchart which shows the transaction information acquisition process of GW server. 4 is a flowchart showing a remaining balance calculation process of the ATM operation management server 20. An example of information acquired from the deposit DB 21 is shown. An example of acquired information from the transaction information DB 11 is shown. 4 is a flowchart showing notification processing by an ATM operation management server 20.

  The best mode for carrying out the present invention will be described below with reference to the drawings in each embodiment.

[System configuration]
(overall structure)
First, before describing specific contents of the present invention, an overall configuration for carrying out the present invention will be described. FIG. 2 is a system configuration diagram according to the present embodiment. As shown in the figure, the ATM operation management system according to the present embodiment includes a GW (Gateway) server 10, an ATM operation management server 20, an ATM terminal 30, and a financial institution host computer (hereinafter simply referred to as a host computer) 40. Is done. As shown in the figure, for example, the GW server 10 and the ATM operation management server 20 are installed in a security company entrusted by a financial institution, the ATM terminal 30 is installed in an ATM installation store, and the host computer 40 is a financial institution host. Installed in the center and connected to each other via a network.

  The GW server 10 is a server that relays communication between the ATM terminal 30 and the host computer 40. In the present embodiment, when the ATM terminal 30 performs a settlement process with the host computer 40, the ATM terminal 30 does not communicate directly with the host computer 40, but once accesses the GW server 10 and communicates with the host computer 40 via the GW server 10. Communication. Similarly, the host computer 40 does not directly communicate with the ATM terminal 30, but once accesses the GW server 10 and communicates with the ATM terminal 30 via the GW server 10.

  The GW server 10 includes a transaction information DB 11 and stores transaction information (transaction data) exchanged between the ATM terminal 30 and the host computer 40. The transaction information includes all information necessary for the user to use the ATM terminal 30. For example, an ATM identifier, transaction date and time, card information (account number), personal identification number, transaction type, transaction amount, transaction success / failure data, and the like are included. However, the information on the cash balance of the ATM terminal 30 at that time is not currently included in the transaction information.

  The ATM operation management server 20 is a server that comprehensively manages information required for the security company to perform ATM operation / maintenance work. The ATM operation management server 20 includes a deposit D21 and manages the cash balance in each ATM terminal 30.

  The ATM terminal 30 is a so-called automatic teller machine, and is a terminal device in which a user performs financial transactions such as cash deposits and withdrawals and transfers. For example, it is installed at ATM installation locations such as financial institution stores, convenience stores, stations, and dedicated ATM stands. Although only one ATM terminal 30 is shown in the figure, it is needless to say that a substantial number of ATM terminals 30 actually exist.

  The host computer 40 is installed in a financial institution host center or the like, and comprehensively manages all financial transactions. A plurality of financial institution DBs 41 are provided to manage a user's (customer's) financial account and control various financial transactions in response to transaction requests from the ATM terminal 30.

  In addition, the security company checks the cash balance in the ATM and conducts a matching operation with the financial institution once a day. Since the host computer 40 performs settlement processing with the ATM terminal 30 in real time, the information on the cash balance in the ATM on the host computer 40 side and the information on the cash balance in the ATM in the security depository DB 21 are to be matched. Thus, updating and confirmation of cash balance information in each ATM is performed.

  Moreover, in this embodiment, since a security company confirms the cash balance in ATM, between the transaction information DB11 of the GW server 10 and the deposit DB 21 of the ATM operation management server 20 as necessary. By performing the information matching, the latest cash balance information in each ATM terminal 30 can be confirmed. This point will be described later again.

(hardware)
Here, the hardware configuration of the GW server 10 according to the present embodiment will be briefly described. FIG. 3 is a hardware configuration diagram illustrating a main configuration of one embodiment of the GW server 10. The GW server 10 includes, as main components, a CPU 101, a ROM (Read Only Memory) 102, a RAM (Random Access Memory) 103, an auxiliary storage device 104, a storage medium reading device 105, an input device 106, a display device 107, and a communication device. 108.

  The CPU 101 is composed of a microprocessor and its peripheral circuits, and is a circuit that controls the entire apparatus. The ROM 102 is a memory that stores a predetermined control program (software component) executed by the CPU 101. The RAM 103 executes various control operations by the CPU 101 executing a predetermined control program (software component) stored in the ROM 102. This is a memory used as a work area (work area) when performing.

  The auxiliary storage device 104 is a device for storing various information including a general-purpose OS (Operating System) and programs, and an HDD (Hard Disk Drive), which is a nonvolatile storage device, is used.

  In addition to the auxiliary storage device 104, the various types of information described above are stored in various storage media such as portable media such as CD-ROM (Compact Disk-ROM), DVD (Digital Versatile Disk), and USB memory, and other media. Various information stored in these storage media can be read via a drive device such as the storage medium reader 105.

  The input device 106 is a device for the user to perform various input operations. The input device 106 includes a mouse, a keyboard, a touch panel switch provided so as to be superimposed on the display screen of the display device 107, and the like. The display device 107 is a device that displays various data on a display screen. For example, it is composed of LCD (Liquid Crystal Display), CRT (Cathode Ray Tube) and the like.

  The communication device 108 is a device that communicates with other devices via a network. Supports communication according to various network forms including wired and wireless networks.

  A description of the hardware configuration of the ATM operation management server 20 is omitted. For example, the same hardware configuration as that of FIG. 3 can be applied. As the ATM terminal 30 and the host computer 40, known ones can be applied as they are.

(function)
Next, functional configurations of the GW server 10 and the ATM operation management server 20 will be briefly described. FIG. 4 is a functional block diagram showing the main functions of one embodiment of the GW server 10 and the ATM operation management server 20. The GW server 10 includes a relay unit 12 and a transaction information storage unit 13 as main functions, and the ATM operation management server 20 includes a cash balance information storage unit 22, a calculation unit 23, and a notification unit 24.

  The relay unit 12 of the GW server 10 has a function of relaying communication including transaction information regarding deposit / withdrawal between the ATM terminal 30 and the host computer 40. When the ATM terminal 30 performs settlement processing with the host computer 40, the ATM terminal 30 accesses the GW server 10 and communicates with the host computer 40 via the GW server 10. Similarly, the host computer 40 accesses the GW server 10 and communicates with the ATM terminal 30 via the GW server 10.

  The transaction information storage unit 13 has a function of storing transaction information included in relayed communication. The transaction information (transaction data) can include all information necessary for the user to use the ATM terminal 30. The transaction information includes, for example, ATM identifier, transaction date / time, card information (account number), personal identification number, transaction type, transaction amount, transaction success / failure data, etc. The information required for calculating the cash balance of the ATM terminal (for example, ATM identifier, transaction date / time, transaction type, transaction amount, transaction success / failure) is excluded from the user's personal information (for example, card information, password). Only data etc.) may be selected and stored. In the present embodiment, the transaction information storage unit 13 is realized by the transaction information DB 11.

  The cash balance information storage unit 22 of the ATM operation management server 20 has a function of storing first cash balance information in the ATM terminal 30. Specifically, the cash balance information storage unit 22 is embodied by the deposit DB 21. The cash balance information for each ATM terminal 30 is stored and managed on the deposit DB 21, and the matching operation with the host computer 40 on the financial institution side is performed at an interval of once a day. As described above, since the host computer 40 always keeps track of the latest accurate (or may be said to be correct) cash balance information for each ATM terminal 30, the ATM terminal 30 of the deposit DB 21 can be reconciled. The cash balance information is updated every time.

  The calculation unit 23 has a function of calculating an increase / decrease amount of the cash balance in the ATM terminal 30 based on the transaction information stored in the cash balance information storage unit 22. In the cash balance information storage unit 22, that is, the transaction information DB 11, transaction information performed in real time between the ATM terminal 30 and the host computer 40 is stored. Therefore, at least the ATM terminal is calculated by calculating cash deposit / withdrawal. The increase / decrease amount of the cash balance within 30 can be calculated. And the calculation part 23 calculates the cash balance information at this time by matching the increase / decrease amount of this cash balance with the cash balance information of the cash balance information storage part 22 (deposit money DB21). For example, when the cash balance is increasing, the increased amount is added to the cash balance information on the deposit DB 21. On the other hand, when the cash balance is decreasing, the decrease amount is subtracted from the cash balance information on the deposit DB 21. The cash balance information calculated here is the real-time cash balance information in the ATM terminal 30 at the present time, and is displayed on the monitor (display device 107) of the ATM operation management server 20 in accordance with the operation of the operation manager. Can be displayed. This will be described again using the flowchart.

  When the cash balance in the ATM terminal 30 suddenly becomes too short or excessive, the notification unit 24 notifies the operation manager to replenish or collect the cash balance in the ATM terminal 30. Specifically, for example, a case where the increase / decrease amount of the cash balance is a predetermined amount or more, or a case where the change rate of the increase / decrease amount of the cash balance per unit time is a predetermined rate or more. There are various notification methods. For example, a warning screen is displayed on the monitoring monitor of the ATM operation management server 20, or the cash balance abnormality in the ATM terminal 30 is transmitted to the ATM operation manager (ATM monitor) by an alert (voice). it can.

  These functions described above are actually realized by programs executed by the CPU 101.

(DB)
FIG. 5 shows an example of transaction information in the transaction information DB 11. As described above, since the transaction information is included in the communication between the ATM terminal 30 and the host computer 40, for example, an ATM identifier, card information (account information), personal identification number, balance information, deposit / withdrawal amount, etc. Including. However, in the present embodiment, as information stored in the transaction information DB 11, the user's personal information (for example, card information, personal identification number, balance information) is excluded from the transaction information, and the cash of the ATM terminal is excluded. Only information necessary for calculating the balance (for example, ATM identifier, deposit / withdrawal amount, etc.) is selected and stored.

  As shown in the figure, the transaction information DB 11 stores information such as “transaction ID”, “transaction date / time”, “ATM terminal identifier”, “transaction type”, “transaction amount”, “transaction success / failure”, and the like. Yes. “Transaction ID” is a unique ID value for identifying a transaction. “Transaction date and time” indicates the date and time of transaction. The “ATM terminal identifier” indicates a unique identifier for identifying a traded ATM terminal. “Transaction type” indicates the type of transaction such as deposit, withdrawal, or transfer. “Transaction amount” indicates the amount of transaction. “Transaction success / failure” finally indicates the success or failure of the transaction.

  Note that the transaction information in the transaction information DB 11 is obtained by storing and storing information included in the communication between the ATM terminal 30 and the host computer 40. Since a plurality of transaction data is performed in a sequence format even in one transaction, information such as a communication log can be acquired in actual transaction information. However, in FIG. 5, even for transaction information including a plurality of transaction data sequences, for convenience of explanation, these pieces of information are aggregated and organized and shown as transaction information for each transaction unit.

  FIG. 6 shows an example of cash balance information in the deposit DB 21. The deposit DB 21 stores information on the cash balance for each ATM terminal. In addition, the host computer 40 on the financial institution side is matched with the host computer 40 once a day. As described above, since the host computer 40 always knows the latest accurate (official) cash balance information for each ATM terminal 30, the cash balance information for each ATM terminal 30 in the deposit DB 21 is determined by the matching operation. Updates are made.

  As shown in the figure, the deposit DB 21 stores information such as “ATM terminal identifier”, “cash balance”, “last match confirmation date”, “previous cash balance”, and the like. The “ATM terminal identifier” indicates a unique identifier for identifying a traded ATM terminal. “Cash balance” indicates the balance of cash existing in the ATM at the time of the final match confirmation date. “Final match confirmation date” indicates the date and time when the information of “cash balance” was updated by the host computer 40 on the financial institution side and its matching operation. “Previous cash balance” indicates the balance of cash existing in the ATM at the previous match confirmation date and time.

  The information stored in the transaction information DB 11 and the deposit DB 21 is merely an example, and it goes without saying that other information may be included as necessary.

[Information processing]
Next, information processing in the ATM operation management system according to the present embodiment will be described with reference to flowcharts.

(Transaction information acquisition process)
FIG. 7 is a flowchart showing transaction information acquisition processing of the GW server 10. As described above, when the relay unit 12 of the GW server 10 receives communication including transaction information related to deposit and withdrawal between the ATM terminal 30 and the host computer 40 (S11), the relay relays and transfers the communication from the transmission source to the transmission destination. (S12). Moreover, the transaction information storage part 13 performs the process which preserve | saves the transaction information contained in the relayed communication in transaction information DB11 (S13). As a result, every time a financial transaction is performed from the ATM terminal 30, the transaction information is continuously stored in the transaction information DB 11.

(Balance balance calculation process)
FIG. 8 is a flowchart showing the remaining balance calculation processing of the ATM operation management server 20. The timing of starting this flowchart is started by operating the ATM operation management server 20 when, for example, an operation manager of a security company wants to confirm real-time cash balance information in a certain ATM terminal 30 at this time.

  When the operation manager inputs an ATM terminal identifier (for example, 101-00002) in the ATM terminal 30 for which the current cash balance information is to be confirmed, the calculation unit 23 corresponds to the ATM identifier from the deposit DB 21 as a key. The “cash balance” and “last match confirmation date” of the ATM terminal 30 are acquired (S21). This is shown in FIG.

  Further, transaction information of the corresponding ATM terminal after the “last match confirmation date” is acquired from the transaction information DB 11 using the ATM identifier (101-00002) as a key (S22). This is shown in FIG.

  Next, the calculation unit 23 calculates an increase / decrease amount of the cash balance based on the “transaction amount” (S23). In the case of FIG. 10, the increase / decrease amount is -155,000. It should be noted that cash transactions are not counted in the increase / decrease of the cash balance because the transaction of “NG” is NG.

  Also, the current cash balance is calculated based on the increase / decrease amount and the “cash balance” from the deposit DB 21 (S24). Since the “cash balance” from the deposit DB 21 is \ 1,050,000 and the increase / decrease amount is \ -155,000, the current cash balance in the ATM terminal 30 of the ATM terminal identifier 101-00002 is \ 895,000. Then, the calculated increase / decrease of the cash balance and the current cash balance \ 895,000 are presented to the operation manager (S25).

  As described above, since the ATM operation management server 20 performs the above-described cash balance calculation process, the operation manager of the security company can confirm the real-time cash balance information in the ATM terminal 30 at the present time.

(Notification processing)
FIG. 11 is a flowchart showing notification processing by the ATM operation management server 20. The ATM operation management server 20 automatically calculates the amount of increase or decrease of the cash balance in the ATM terminal at a predetermined time (for example, every 1H), and if these exceed a predetermined threshold, By notifying the operation manager that the balance has changed, the cash balance in the ATM terminal is urged to be replenished or collected. This will be described below.

  First, the ATM operation management server 20 performs regular confirmation (S31). The fixed time is a value that can be arbitrarily set by the operation manager, and can be set, for example, every 1H, 10:00, 12:00, 15:00, or the like. In addition, since the ATM terminal identifiers (multiple registrations are possible) are registered in advance, the cash balance increase / decrease amount and the rate of increase / decrease are calculated for the ATM terminal specified by the ATM terminal identifier at a fixed time. .

  The calculation part 23 acquires the transaction information of the corresponding ATM terminal after the last scheduled time from the transaction information DB 11 using the ATM identifier as a key (S32). Further, the “cash balance” of the ATM terminal corresponding to the ATM identifier as a key is acquired from the deposit DB 21 (S33).

  Then, the calculation unit 23 calculates the increase / decrease amount of the cash balance per unit time based on the “transaction amount” (S34). Here, assuming that the transaction information of the ATM terminal is as shown in FIG. 9, the increase / decrease amount of the cash balance per unit time (1H: 10 to 11 o'clock) is calculated as \ -155,000. This indicates that the cash balance of ¥ 155,000 per hour of unit time has decreased (withdrawal), and can be said to be a sudden change in cash balance.

  The calculation unit 23 calculates the rate of increase / decrease per unit time based on the “cash balance” from the deposit DB 21 and the amount of increase / decrease in the above calculation (S35). Here, assuming that the “cash balance” of the ATM terminal from the deposit DB 21 is as shown in FIG. 10, it is calculated as ¥ −155,000 / ¥ 1050000 * 100≈−14.7%. This shows that the cash balance of about 14% per 1H of hour has decreased (withdrawal), and it can be said that the cash balance fluctuates rapidly.

  When the increase / decrease amount> threshold value a (S36) or the increase / decrease rate> threshold value b (S37) is satisfied, the notification unit 24 notifies the operation manager of the abrupt cash balance at the ATM terminal together with the ATM terminal identifier. Notification that there has been a change is made (S38). The threshold value a and the threshold value b may be appropriately determined by the operation manager based on past results (average transaction amount for each ATM terminal) and set on the ATM operation management server 20.

  As described above, since the ATM operation management server 20 performs the above-described notification process, the operation manager of the security company can easily and quickly use the ATM terminal when there is a sudden change in the cash balance in the ATM terminal. Can be recognized.

  In addition, since banknotes are stored in the ATM terminal for each ticket type (10,000 yen bill, 5,000 yen bill, 2,000 yen bill, thousand yen bill), in addition to the information on the cash balance, Information may also be managed, and further, notification may be made when the number of banknotes for any one of the types of bills changes rapidly.

[Summary]
Although the security company has been aware of the cash balance within each ATM, the information on the increase or decrease in the ATM cash balance is reflected in the deposit DB once a day with the financial institution. Since it is at the time of work, in order to grasp the correct cash balance in each ATM terminal, it is necessary to wait until the reconciliation work, and if there is a sudden change in the cash balance in the ATM, a security company Since the information grasped on the side is information up to 24H before, it was difficult to grasp this with a margin.

  However, as described above, in the ATM operation management system according to the present embodiment, real-time cash balance information in each ATM terminal can be confirmed, and there is a sudden change in cash balance in the ATM terminal. Since the notification to that effect is given to the operation manager, it is possible to promptly and appropriately respond to a situation that requires an emergency with a margin. As a result, it is possible to more accurately schedule cash replenishment and collection work, and it is also expected to improve work efficiency and reduce costs.

  For example, in the case of an ATM terminal installed in the suburbs, since there are not many users on a daily basis, the cash balance stored and maintained in the ATM terminal is small. If there is a sudden change in cash balance that cannot be seen on a daily basis at a suburban ATM terminal, the security company can quickly recognize this. This suburban ATM terminal has already run out of cash balance to some extent, and if cash withdrawal continues, in the worst case, there is a possibility that the ATM terminal will be suspended due to insufficient cash balance. By considering the travel time to the local site before the cash replenishment work of the security company, the security company and the operation / maintenance contractor can take appropriate and prompt action by grasping the cash balance information in the ATM terminal in real time. It becomes possible.

  As described above, according to the present invention, it is possible to provide an ATM operation management system capable of grasping a change in cash balance in each ATM in real time even on the ATM operation contractor side. Note that the present invention is not limited to such specific embodiments, and various modifications and changes can be made within the scope of the gist of the present invention described in the claims.

  In order to obtain transaction information between an ATM terminal and a host computer from an existing system, the following method is also conceivable. The host computer is refurbished, and the ATM operation management server of the security company receives transaction information from the host computer in real time for each transaction. Alternatively, when the ATM terminal is refurbished and the ATM terminal transmits information related to the transaction to the host computer, the transaction information is transmitted to the ATM operation management server of the security company in parallel. However, the former requires a very large amount of cost to renovate the existing host computer, and the latter requires a program change of all ATM terminals installed and a setting change of the transmission destination. It requires a great deal of effort.

  In the above ATM operation management system, the cash balance information on the cash balance information storage unit 22 can be updated to the current cash balance information of the ATM terminal calculated by the calculation unit 23. However, since the cash balance information on the cash balance information storage unit 22 should be reflected surely by reconciliation with a financial institution once a day, in the above embodiment, the calculated current The cash balance information is referred to by the operation manager and is not configured to be updated.

10 GW server 11 Transaction information DB
12 relay unit 13 transaction information storage unit 20 ATM operation management server 21 deposit DB
22 Cash Balance Information Storage Unit 23 Calculation Unit 24 Notification Unit 30 ATM Terminal 40 Financial Institution Host Computer 41 Financial Institution DB
101 CPU
102 ROM
103 RAM
104 Auxiliary storage device 105 Storage medium reading device 106 Input device 107 Display device 108 Communication device

Claims (3)

An ATM terminal for depositing / withdrawing money from / to a user, a host computer of a financial institution that receives a transaction request from the ATM terminal and controls whether to deposit / withdraw, and an ATM operation management device for managing a cash balance in the ATM terminal; An ATM operation management system including a GW server,
The GW server is
Relay means for relaying communication including transaction information regarding deposits and withdrawals between the ATM terminal and the host computer;
Transaction information storage means for storing transaction information included in communications relayed by the relay means;
Have
The ATM operation management device
The ATM terminal in which the information consistency for each predetermined period is ensured by the matching operation with the cash balance information in the ATM terminal managed by the host computer for each predetermined period based on the agreement with the financial institution Cash balance storage means for storing the cash balance information in
Based on the transaction information stored in the transaction information storage means, the amount of increase / decrease in the cash balance in the ATM terminal is calculated, and the amount of increase / decrease in the cash balance is compared with the cash balance information to obtain the current cash A calculation means for calculating balance information;
An ATM operation management system comprising: The ATM operation management device
When the increase / decrease amount of the cash balance per unit time is equal to or greater than a predetermined amount, a notification means for notifying the operation manager to replenish or collect the cash balance in the ATM terminal;
The ATM operation management system according to claim 1, further comprising: The ATM operation management device
If the rate of change of the increase / decrease amount of the cash balance per unit time is equal to or greater than a predetermined rate, a notification means for notifying the operations manager to replenish or collect the cash balance in the ATM terminal;
The ATM operation management system according to claim 1, further comprising:

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