JP2012108964A - Money transaction processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a money transaction processor which is also used as a lobby money receiving machine and a teller machine with one machine and is installed at a reception counter.SOLUTION: The money transaction processor includes: a money transaction opening operable from both sides of an inner side and an outer side of a counter to be a money entrance; employee side transaction receiving operation means and customer side transaction receiving operation means for performing receiving operations about respectively operable transactions from the inner side and outer side of the counter; random money receiving means for receiving random money in a random state thrown in the money transaction opening to discriminate and count the random money and storing the random money in a random money storing part in each denomination; money packing means for feeding the random money existing in the random money storing part to perform packing processing, such as binding and packing every prescribed number of sheets; and packed money paying means for storing packed money packed by the money packing means in each denomination and feeding the packed money to a packed money feeding opening formed in a direction facing the inner side of the counter.

Description

  The present invention relates to a money transaction processing apparatus, and more particularly, to a money transaction processing apparatus that is installed at a counter of a financial sales office and that can be operated from both inside and outside the counter and can deposit and withdraw a large amount of coins and banknotes. .

Conventionally, ATMs installed in the lobby of financial sales offices (such as the main branch of a bank) can deposit and withdraw banknotes and coins, but there are restrictions on the number of transactions that can be handled at one time, and large deposits and withdrawals are not possible. It was.
In addition, lobby deposit machines for specific corporate customers who deposit and withdraw large amounts of cash can deposit a large amount of coins and banknotes, but the collected cash is collected and organized by the bankers. There is a need.
On the other hand, the money changer can throw out metal bars and small bundles (banknotes), but the metal bars and small bundles are separately packed and bundled and loaded into the money changer by hand.

On the other hand, the teller machine accepts rose cash, wraps and bundles it, and can throw out bars and small bundles, but only the bankers can handle it.
As described above, since customers who make large deposits and withdrawals cannot be processed by ATM, it is necessary to ask the person in charge at the counter to increase the waiting time and burden the person in charge.
In addition, even if a specific corporate customer can make a large deposit using the lobby deposit machine, it is necessary to collect the cash in the form of roses and sort it separately, which is a burden on the bank staff. It was.
Furthermore, there is also a work of packing the metal bars / small bundles to be loaded into the money changer with another packaging device and manually loading them into the money changer, which has been a heavy burden on the bank staff.

  On the other hand, from the viewpoint of the store manager, in order to satisfy the customer's request, as described above, each of the money changer, lobby deposit machine, and cashier is required in addition to ATM. A huge amount of cost investment was required.

In view of such circumstances, the present applicant has already proposed a customer-operated money transaction processing apparatus that is installed in a lobby of a financial sales office and that can make large deposits and withdrawals and exchanges (see Patent Document 1). This device is a single machine that serves both as a lobby deposit machine, a money changer, and a cashier.
However, since such a device is installed in a lobby or the like and handles large amounts of deposits and withdrawals, it is necessary to install it in a private room space partitioned by a partition or the like for security reasons. This was a big burden for the management of the sales store.

On the other hand, it is an automatic transaction device for a counter that is installed at a counter and can be shared by a customer and a teller (person) while facing the counter. An automatic transaction apparatus for a window characterized by being arranged in the center has been proposed (see Patent Document 2).
However, this apparatus does not have a function as a cashier capable of depositing and withdrawing a large amount of coins and banknotes, and it is necessary to install a cashier or the like separately. In addition, since it is used face to face, there is a problem that it is not convenient for customers who feel that privacy is impaired.

JP 2004-70486 A Japanese Patent Publication No. 8-31168

  The present invention has been made in view of the above-described problems, and an object of the present invention is to use a single machine as a lobby deposit machine and a depositing / dispensing machine, which is installed at a counter. The present invention intends to solve the above problem by providing a money transaction processing apparatus. At the same time, it aims to ensure customer privacy.

  The present invention relates to a money transaction processing apparatus that is installed at a counter of a financial sales office and can be operated from both inside and outside the counter in the installed state. The above object of the present invention is both inside and outside the counter. A monetary transaction port that serves as an entrance for money that can be operated from the bank, a bank-side transaction input operation unit that performs input operations related to transactions that can be operated from inside and outside the counter, a customer-side transaction input operation unit, Accepts and counts the rose money to be inserted, performs identification and counting, and stores the rose money depositing means for storing in the rose money storage section according to the type, and bundles and packs the rose money in the rose money storage section every predetermined number The money wrapping means for carrying out the wrapping process, etc., and the wrapping money wrapped by the money wrapping means are stored by type and formed in a direction facing the inside of the counter. It has and a packaging money dispensing means for dispensing the packaged money dispensing port is achieved by the money transaction apparatus according to claim.

According to the money transaction processing apparatus according to the present invention, money deposited by a customer can be used as it is as money for a bank clerk (recovery money or the like), and efficient money management can be performed. That is, the conventional replenishment / collection work for bundled cash becomes unnecessary.
In addition, since it is not necessary to install a lobby deposit machine and a cash machine separately, it is possible to rationalize capital investment in a bank or the like.
Furthermore, by providing the partition means, it is possible to ensure mutual privacy during use while sharing the money transaction port.

  By providing two sets of transaction input operation means, the operation means of the customer can be made easy to operate, and the operation means of the clerk can be made to be capable of complicated operation, so that the operation variations are widened. Further, even when the customer is performing the deposit process, the clerk can perform the input operation at the same time, so there is no need to wait until the customer finishes the operation.

BRIEF DESCRIPTION OF THE DRAWINGS It is an external view which shows an example of 1st embodiment of the money transaction processing apparatus which concerns on this invention. The mode at the time of seeing from the outer side (customer side) of a counter at the time of installing the money transaction processing apparatus which concerns on this invention in a counter is shown. The example of arrangement | positioning of the financial sales store in which the money transaction processing apparatus concerning this invention was installed is shown. It is a figure which shows the internal structural example of a money transaction processing apparatus. It is the figure which showed an example of the internal structure of the rose banknote depositing / withdrawing part. It is the figure which showed an example of the internal structure of a bundle banknote payment part. It is the figure which showed an example of the internal structure of the rose coin deposit or withdrawal part. It is the figure which showed an example of the internal structure of a packaging coin dispensing part. It is a figure for demonstrating the use condition of the partition means in 1st embodiment. It is an external view which shows an example of 2nd embodiment of the money transaction processing apparatus which concerns on this invention. It is a figure for demonstrating the use condition of the partition means in 2nd embodiment.

  Hereinafter, an embodiment of a money transaction processing device according to the present invention will be described in detail with reference to the drawings.

FIG. 1 is an external view showing an example of a first embodiment of a money transaction processing apparatus 1 according to the present invention. As shown in FIG. 1, the money transaction processing apparatus 1 includes a banknote deposit / withdrawal port 10 and a coin deposit / withdrawal provided substantially at the center of the upper surface of a counter so that customers and employees can use it from both outside and inside the counter. A coin 11 (the two are collectively referred to as a money transaction port in claim 1) and a display lamp 12 indicating that they are in use. Also, a clerk side operation unit 13 as a clerk side transaction input operation means for the clerk to perform key operations for various input operations, a clerk side display unit 14 for displaying input contents, a card for reading ID card information of the clerk performing the processing, etc. The processing part 15, the customer side operation display part 16 as a customer side transaction input operation means which consists of a touch panel which a customer performs input operation, the rose banknote depositing / withdrawing part 17, the rose coin depositing / withdrawing part 18, and a bundled banknote withdrawal part 19 (a banknote binding unit is provided therein), a wrapping coin dispensing unit 20 (a coin wrapping unit is provided therein), a banknote dispensing port 21, and a wrapping coin ( And a withdrawal opening 22. Furthermore, a terminal unit 23 having a control CPU, ROM and the like (not shown) is provided.
The loose money depositing means described in the claims corresponds to the loose banknote deposit / withdrawal part 17 and the loose coin deposit / withdrawal part 18, the money wrapping means corresponds to the banknote bundling part and the coin wrapping part, The means corresponds to the bundled bill dispensing unit 19 and the wrapping coin dispensing unit 20, and the wrapping coin outlet corresponds to the dispensing ports 21 and 22 in FIG.

FIG. 1 shows the situation when viewed from the inside (banker side) of a bank counter when installed at the counter.
Also, a lid member 30 having a linear shape in the longitudinal direction and a substantially quarter arc shape in the short side direction, and a pair of substantially semi-disc-shaped support members that slidably support the short direction of the lid member 30 A partition means is constituted by 31 so that when one side is in use, it cannot be seen from the other side. In the case of FIG. 1, the employee side is in use.

  FIG. 2 shows a state when the money transaction processing apparatus 1 according to the present invention is installed on a counter as viewed from the outside (customer side) of a bank counter. It shows that the partitioning state of the partitioning means is opposite to that in FIG. In this case, the customer side is in use.

  FIG. 3 shows an example of the arrangement of a financial sales office in which the money transaction processing apparatus 1 according to the present invention is installed. The money transaction processing apparatus 1 is incorporated in a counter that divides a lobby and a work space for a clerk. In the example shown, they are installed in the same line between the high counter and the low counter. This makes it possible to use the counter from both sides.

  FIG. 4 shows an example of the internal configuration of the money transaction processing apparatus 1. The CPU controls the whole according to a program stored in a ROM or the like, and a storage unit for storing data is connected to the CPU. Yes. Further, a terminal unit 23 composed of a CPU or the like includes a customer side operation display unit 16, a card processing unit, a receipt issuing unit (optional), a clerk side operation unit 13, a display unit 14, a card processing unit 15, and a receipt as an option. An issuing unit, an authentication / journal printer, and a passbook processing unit are connected. Further, the terminal unit 23 includes a loose coin deposit / withdrawal unit 18 as a coin processing unit, a wrapping coin dispensing unit 20, a coin packaging unit 183, a rose banknote deposit / withdrawal unit 17 as a bill processing unit, and a bundled bill withdrawal / payment. Each part of the part 19 and banknote binding part 19 'is connected. The RAM is a working memory for the CPU. The partition plate mechanism is used when the partitioning means 30 and 31 are electrically controlled, but is not indispensable because it may be performed manually.

  FIG. 5 is a diagram showing an example of the internal configuration of the rose banknote deposit / withdrawal unit 17. The rose bill inserted from the deposit / withdrawal port 10 is determined by the deposit identification unit 171 as to the denomination and authenticity. If it cannot be identified due to counterfeit bills or fouling, it is rejected, and if it is a genuine note, it is stored in the loose bill storage unit 173 for each denomination after the front and back reversing unit 172 aligns the front and back. In the case of withdrawal, the banknotes fed out from the rose banknote storage unit 173 are confirmed by the withdrawal identification unit 174 for the denomination and the number of sheets (which may come out in duplicate) and are dispensed from the deposit / withdrawal port. . Further, when the loose bill storage unit 173 is full or when a bundle of bundle storage units described later is insufficient, the bills fed out from the separate bill storage unit 173 are collected in the bundling stacking unit 175. When a predetermined unit number (for example, 100 sheets) is reached, it is sent to the bundle transport unit 176 and sent to the next bundled bill dispensing unit 19.

  FIG. 6 is a diagram showing an example of the internal configuration of the bundled bill dispensing unit 19, and the bundled bills sent from the bundle transport unit 176 (before binding) are bundled at the bill binding unit 19 ′ ( After being bundled) and once collected in the bundle accumulating section, it is stored in the bundle storing section 191 for each denomination. Conversely, when withdrawal of bundled banknotes is requested due to currency exchange or the like, necessary bundled banknotes are collected from the bundle storage unit into the bundle stacking unit and thrown out from the bundle dispensing port.

FIG. 7 is a diagram showing an example of the internal configuration of the rose coin deposit / withdrawal unit 18. The coins inserted from the deposit / withdrawal port 11 are determined by the identification unit 181 as to the denomination and true / false. Each is stored in the rose coin storage unit 182. In the case of withdrawal, the coins fed out from the loose coin storage unit 182 are thrown out from the deposit / withdrawal port 11. Further, when the loose coin storage unit 182 is full, or when wrapping coins in the wrapping coin storage unit 201 to be described later are insufficient, the coins fed out from the loose coin storage unit 182 are stored in the coin packaging unit 183. When the number of sheets reaches a predetermined unit number (for example, 50 sheets), it is packaged and becomes a bar.
Reference numeral 184 denotes a reject port (option) that discharges fouling coins and counterfeit coins, and is provided at two locations on the customer side and the employee side. In other words, since the device knows which side is currently using the device, it is possible to discharge coins to the rejection port on the side where it is used. As specific means, in conjunction with switching the lid member 30 to either the clerk side or the customer side, the reject coin discharge destination is switched to the currently operated side.

  FIG. 8 is a diagram showing an example of the internal configuration of the wrapping coin dispensing unit 20, and the bar metal wrapped by the coin wrapping unit 183 is stored in the wrapping coin storage unit 201 for each denomination. When withdrawal with a bar is requested, the necessary bar is taken out from the wrapping coin storage unit 201 and is dispensed from the bar withdrawal port 202.

  FIG. 9 is a diagram for explaining a usage state of the partitioning means in the first embodiment. FIG. 9A shows a state where the customer is using the device. That is, the lid member 30 of the partition means is moved along the support member 31 to the occupant side. As a result, the bank account cannot see the customer's deposit / withdrawal status. (B) shows the state where the lid member 30 is moved to the customer side and the clerk is using the device, contrary to (A).

FIG. 10 is an external view showing an example of the second embodiment of the money transaction processing apparatus 1 according to the present invention. The difference from the first embodiment is the difference in partitioning means. That is, as shown in FIGS. 10A and 10B, the shielding plate 32 in which two rectangular plates are joined together so that it can be folded in the middle, and the shielding plate 32 is folded so that either the employee side or the customer side It is comprised with the latching means 33 which hold | maintains the shielding board 32 in the folded state, when it approaches to the side.
FIG. 11 shows a state in which the shielding plate 32 is folded to the occupant side and is locked by the locking means 33. (A) is the state of a side surface, (B) is the top view seen from upper direction. This indicates a state in which the customer side is using it. The locking means 33 is not limited to this embodiment. For example, there is a method in which the joint 34 between the two plates is a ratchet joint so that it does not return when folded.

DESCRIPTION OF SYMBOLS 1 Money transaction processing apparatus 10 Banknote depositing / withdrawing port 11 Coin depositing / withdrawing port 13 Banker side operation part 14 Banker side display part 16 Customer side operation display part 17 Rose banknote depositing / withdrawing part 18 Rose coin depositing / withdrawing part 19 Bundled banknote dispensing part 19 'Banknote binding unit 20 Packaging coin dispensing unit 21 Bundled banknote dispensing port 22 Packaging coin (bar) dispensing port 23 Terminal unit 30 Lid member 31 Support means (member)
32 Shielding plate 33 Locking means 183 Coin wrapping part

Claims (1)

A money transaction processing device that is installed at a counter of a financial sales office and can be operated from both inside and outside the counter in the installed state.
A monetary transaction port serving as an entrance for money that can be operated from both inside and outside the counter;
Clerk-side transaction input operation means and customer-side transaction input operation means for performing input operations related to transactions that can be operated from inside and outside the counter, respectively,
A rose money depositing means for receiving and counting and counting roses put into the money transaction port and storing them in a rose money storage unit according to type;
Money wrapping means for delivering the rose money in the loose money storage unit and performing a wrapping process such as binding and wrapping every predetermined number of sheets;
A wrapping money dispensing means for storing the wrapping money packaged by the money wrapping means by type, and for dispensing to a wrapping money dispensing port formed in a direction facing the inside of the counter;
A currency transaction processing apparatus comprising:

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