JP2012248059A - Currency management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of totally and safely handling a large amount of currency and managing cash balance in a financial institution.SOLUTION: A currency management system includes: a first currency management apparatus that is installed within a branch of a financial institution for storing the currency; one or plural second currency management apparatuses storing the currency, which is connected in a communicative manner with the first currency management apparatus within the branch of the financial institution; and a teller machine connected to the first currency management apparatus in a communicative manner so as to perform payment and reception of the currency within the branch of the financial institution in cooperation with the first currency management apparatus. The second currency management apparatus includes a transmission unit that transmits cash balance of own currency to the first currency management apparatus. The first currency management apparatus includes a transmission unit that transmits the cash balance of currency stored in the first currency management apparatus and the cash balance of currency stored in the second currency management apparatus to the teller machine. The teller machine includes storage for storing total cash balance of currency stored in the first and second currency management apparatuses.

Description

  The present invention relates to a money management system.

  A bank or other financial institution store is provided with a cash machine for managing the deposit and withdrawal of money in the store. In some cases, a financial institution is provided with a money management device that cooperates with a cashier.

  If there is not enough money stored in the teller machine when money is put in and out of the teller machine, or if the money cannot be stored in the teller machine, the money management device replenishes the teller machine, or Collect money from the machine to the money management device.

In such a money management system, the teller machine and the money management apparatus are communicably connected to each other, and are configured so that the money amount in the money management apparatus can be managed by the teller machine. By linking management of the money balance in the teller machine and the money balance in the money management device, the money management system can more safely and comprehensively manage the money balance in the financial institution.

JP 2010-122889 A

  However, in the conventional money management system, only one money management apparatus can be connected to the teller machine. Depending on the store of the financial institution, it is necessary to store a large amount of money in the money management apparatus, so that one money management apparatus may not have enough money storage capacity. That is, in the conventional money management system, the amount of money that can be handled at one time is limited.

  The present invention has been made in view of the above-mentioned problems, can handle a large amount of money, and can safely and comprehensively manage the amount of money in a financial institution, including the amount of money in a money management device. It is an object of the present invention to provide a money management system that can be used in the future.

A money management system according to an embodiment of the present invention is installed in a store of a financial institution, and communicates with the first money management device in the store of the financial institution, and a first money management device that stores money. One or a plurality of second money management devices that are connected to each other and capable of communicating with each other so that money can be taken in and out in cooperation with the first money management device in the store of the financial institution. With a connected teller machine,
The second money management device includes a transmission unit that transmits the amount of money stored in the second money management device to the first money management device, and the first money management device includes: A transmission unit that transmits the money amount stored in the first money management apparatus and the money amount stored in the second money management apparatus to the teller machine; A storage unit is provided for storing the total amount of money stored in the first and second money management devices.

  The storage unit of the teller machine further stores individual stock amounts of the first and second money management devices together with the total stock amount, and the teller machine includes the first stock amount together with the total stock amount. And a display unit for displaying the individual stocks of each of the second money management devices.

  In the first money management device, a part of the processing target money to be taken in and out in the first and second money management devices is taken in and out in one of the first or second money management device. A calculation unit for calculating the amount or quantity of the remaining money obtained by subtracting the amount or quantity of the part of money from the amount or quantity of the processing target currency, and the amount or quantity of the remaining money You may further provide the display part to display.

  The display unit may be configured to display the remaining money so as to be taken in and out of the other of the first or second money management device.

  When the amount of one of the first and second money management devices stored in the storage unit is less than the amount or quantity of the money to be put in and out, the calculation unit is put in and out An amount or quantity of insufficient money obtained by subtracting a stock of the one money management device from an amount or quantity of money is calculated, and the display unit is the other of the first and second money management devices. In the money management apparatus, the money may be displayed so as to be taken in and out of the amount of money or the amount of the shortage money.

  A money management system according to another embodiment of the present invention is installed in a store of a financial institution, and is connected to a first money management apparatus that stores money and to be communicable with the first money management apparatus. One or a plurality of second money management devices for storing money, wherein the second money management device determines the amount of money stored in the second money management device as the first money. The first money management device includes a transmission unit that transmits to the management device, and the first money management device stores the amount of money stored in the first money management device and the money stored in the second money management device. A storage unit is provided for storing the total stock amount that is added to the stock amount.

  The storage unit of the first money management device stores the individual money amounts of the first and second money management devices together with the total money amount, and the first money management device includes the You may provide the display part which displays each individual amount of said 1st and said 2nd money management apparatus with total amount of money.

  The first money management device includes an input unit for inputting an amount or quantity of money to be withdrawn / withdrawn in the first and second money management devices, and a part of the money to be taken in / out is the first or When the second money management device is withdrawn / withdrawn, the amount or quantity of the remaining money obtained by subtracting the amount or quantity of the part of money from the amount or quantity of the money to be withdrawn / withdrawn is calculated. You may further provide the calculating part and the display part which displays the money amount or quantity of the said remaining money.

  The display unit may be configured to display the remaining money so as to be taken in and out of the other of the first or second money management device.

  When the amount of one of the first and second money management devices stored in the storage unit is less than the amount or quantity of the money to be put in and out, the calculation unit is put in and out Calculating the amount or quantity of the deficient money obtained by subtracting the amount of money of the one money management device from the amount or quantity of money, and the display unit is the other of the first and second money management devices. The money management apparatus may be configured to display so as to put in and out money equal to or greater than the amount or quantity of the shortage money.

  The money management system according to the present invention can handle a large amount of money, and can safely and comprehensively manage the amount of money in the financial institution including the amount of money in the money management apparatus.

1 is a system schematic diagram showing a first embodiment of the present invention. It is a perspective view which shows the external appearance of a teller machine. It is a block diagram which shows the structure of a teller machine. It is a perspective view which shows the external appearance of 200 A of 1st money management apparatuses. It is a perspective view of the 2nd bill storage drawer of the 1st money management device 200A. It is a perspective view of the 2nd coin storage drawer of the 1st money management device 200A. It is a perspective view of the preliminary | backup storage of the 1st money management apparatus 200A. It is a block diagram which shows the structure of the control part 225 of 1st money management apparatus 200A. The flowchart of an example of the deposit / withdrawal operation preparation process in the cash machine 100 side. The flowchart of the deposit / withdrawal operation process in money management apparatus 200A, 200B. Explanatory drawing which represented typically the whole image of the money stock management by the money management system and money management method by this embodiment. FIG. 11 is a flowchart showing detailed operations of money management apparatuses 200A and 200B in the storage / removal process in step 30 shown in FIG. 10; The flow chart of the storing / removing process when the third money management device is connected to the first money management device 200A as a slave. The system schematic which shows 2nd Embodiment. The input table of the processing object money displayed on the display part 15a of the teller machine 100 by the modification 2 of 1st or 2nd embodiment, or the display part 227 of 200 A of 1st money management apparatuses. The input table of the processing object money displayed on the display part 15a of the teller machine 100 by the modification 2 of 1st or 2nd embodiment, or the display part 227 of 200 A of 1st money management apparatuses. The screen displayed on the display part 15a of the teller machine 100 by the modification 3 of 1st or 2nd embodiment, or the display part 227 of 200 A of 1st money management apparatuses. The screen displayed on the display part 15a of the teller machine 100 by the modification 3 of 1st or 2nd embodiment, or the display part 227 of 200 A of 1st money management apparatuses. The flowchart which shows operation | movement of the money management system according to 3rd Embodiment.

  Embodiments according to the present invention will be described below with reference to the drawings. This embodiment does not limit the present invention.

(First embodiment)
FIG. 1 is a system schematic diagram showing a first embodiment of the present invention. The money management system 300 is installed in a store of a financial institution such as a bank, and includes a teller machine 100, a first money management apparatus 200A, and a second money management apparatus 200B. The teller machine 100 functions as a money management main unit, and the money management apparatuses 200A and 200B are configured to function as a money management terminal. The teller machine 100 and the money management apparatuses 200A and 200B may be understood as an upper money management apparatus and a lower money management apparatus, respectively.

  The teller machine 100 and the money management apparatuses 200A and 200B are configured to store money respectively. The teller machine 100 is configured to be able to manage the monetary value in the store including the monetary values in the first and second money management devices 200A and 200B.

  The teller machine 100 is communicably connected to the first money management apparatus 200A, and the first money management apparatus 200A is communicably connected to the second money management apparatus 200B. The second money management apparatus 200B is not directly connected to the teller machine 100. However, the teller machine 100 can manage the amount of money in the second money management apparatus 200B via the first money management apparatus 200A. It is configured to be able to. In this case, the first money management apparatus 200A connected to the teller machine 100 functions as a master machine, and is connected only to the first money management apparatus 200A as the master machine and not connected to the teller machine 100. The money management apparatus 200B functions as a slave unit.

  The second money management apparatus 200B transmits the amount of money stored in the second money management apparatus 200B to the first money management apparatus 200A. The first money management device 200A connected to the teller machine 100 is accommodated in the respective money balances of the first and second money management devices 200A and 200B and the first and second money management devices 200A and 200B. I remember the total amount of money I have. Then, the first money management apparatus 200A transmits the total amount of the first and second money management apparatuses 200A and 200B to the teller machine 100. The teller machine 100 stores and manages the total amount of money stored in the first and second money management apparatuses 200A and 200B. The teller machine 100 is connected only to the first money management apparatus 200A, and the first money management apparatus 200A, which is the parent machine, determines the total amount of the first and second money management apparatuses 200A and 200B. Since the collective management is performed, the teller machine 100 can manage the first and second money management apparatuses 200A and 200B as one money management apparatus. Thereby, it becomes possible to add the 2nd money management apparatus 200B as a subunit | mobile_unit, without changing the structure and setting of the teller machine 100. FIG.

  For example, two or more money management devices as slave devices connected to the first money management device 200A as the parent device are provided. The money management devices as slave units are 200B and 200C. In this case, the plurality of money management devices 200B and 200C transmit their money amounts to the first money management device 200A. The first money management device 200A as a parent machine stores the money amounts of the plurality of money management devices 200B and 200C, and also stores the total money amounts of the money management devices 200A to 200C. Furthermore, the first money management apparatus 200 </ b> A transmits the total amount of the money management apparatuses 200 </ b> A to 200 </ b> C to the teller machine 100. Thereby, the teller machine 100 can manage the total amount of the money management apparatuses 200A to 200C stored in the first money management apparatus 200A.

  The first money management device 200A as the parent device manages not only the money amount of the first money management device 200A but also the money amount of the money management devices 200B and 200C as the child devices. Therefore, the first money management apparatus 200A may present to the user a limit on the amount or amount of money to be withdrawn / withdrawn in the money management apparatuses 200A to 200C in accordance with the amount of money in the money management apparatuses 200A to 200C. it can.

  As described above, since the teller machine 100 only needs to manage the total amount of the money management apparatuses 200A to 200C stored in the first money management apparatus 200A as the parent machine, the money management apparatus as viewed from the teller machine 100 is sufficient. 200A to 200C can be regarded as one money management apparatus.

  The teller machine 100 may manage not only the total amount of money management devices 200A to 200C but also the amount of money of money management devices 200A to 200C. Thereby, the teller machine 100 may present a user with a limit on the amount or quantity of money to be withdrawn / withdrawn in the money management apparatuses 200A to 200C in accordance with the amount of money in the money management apparatuses 200A to 200C.

  The parent-child relationship between the first money management apparatus 200A and the second money management apparatus 200B is determined based on whether or not the cash machine 100 is communicably connected. For example, when configuring the money management system, when the first money management apparatus 200A detects a communication connection with the teller machine 100, the first money management apparatus 200A recognizes that it is the parent machine. . On the other hand, when the second money management apparatus 200B detects a communication connection with another money management apparatus 200 (here, the first money management apparatus 200A), the second money management apparatus 200B has its own child machine. Recognize that As a result, a parent-child relationship is established between the plurality of money management devices 200A and 200B.

  Identification of a device connected for communication may be performed as follows. A unique identification ID for identifying the teller machine and the money management apparatus is assigned in advance to the teller machine 100 and the money management apparatuses 200A and 200B, and the ROM 225d or the hard disk drive 225g of each of the money management apparatuses 200A and 200B (see FIG. 8). ) Stores an identification ID in advance. When the money management apparatus 200A is connected to the teller machine 100 or the money management apparatus 200B, the money management apparatus 200A receives the identification ID from the connected apparatus and stores the identification ID and the ROM 225d or the hard disk drive 225g. The identification ID is compared. Thereby, money management apparatus 200A, 200B can recognize automatically whether the apparatus connected for communication is a teller machine or a money management apparatus.

  Of course, the installer of the money management system 300 may manually set the parent-child relationship between the money management apparatuses 200A and 200B.

  In the above embodiment, the first money management apparatus 200A is connected to the teller machine 100 as a parent machine, and the first money management apparatus 200A determines the total amount of all the first and second money management apparatuses 200A and 200B. The data is transmitted to the teller machine 100. However, the first and second money management apparatuses 200A and 200B are connected to the teller machine 100, respectively, and the teller machine 100 has the respective stocks of the first and second money management apparatuses 200A and 200B, and the first You may make it memorize | store the total amount of 1st and 2nd money management apparatus 200A, 200B.

  FIG. 2 is a perspective view showing the appearance of the teller machine 100. FIG. 3 is a block diagram showing the configuration 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 rosed bill dispensing port for dispensing rose bills, 23 is a wrapping coin dispensing port for dispensing wrapping coins, and 24 is a rose coin. Is a rose coin outlet.

  The teller machine 100 includes a non-money box 14 for inputting securities other than money, a control unit 15 for controlling the entire teller machine 100, a keyboard-type input unit 16 for inputting various instructions to the control unit 15, and a control unit 15. An external printer 18 that performs print processing according to the instruction is provided. The external printer 18 functions as a receipt issuing device and / or an authentication printing printer. In this embodiment, in order to provide operation information to the permitter, a 4-digit number (cooperation number) corresponding to the operation information is printed on the slip.

  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. The display unit 15a may be a touch panel display device. Thereby, the display part 15a can function also as an input part or an operation part. In this embodiment, an ID card reader is used. However, the present invention is not limited to this, and it may be personal authentication information for authenticating the user himself / herself, such as a known face authentication terminal or a device that authenticates a vein flowing through a finger. Anything can be used.

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

  The teller machine 100 further includes a communication interface (communication IF) 19 that performs data communication with the first money management apparatus 200A. Thereby, the teller machine 100 and the first money management apparatus 200A can communicate with each other. For example, the teller machine 100 and the first money management apparatus 200A are connected so that they can communicate with each other by a wireless LAN, an optical LAN, or the like. The teller machine 100 can receive the total amount of the first and second money management apparatuses 200A and 200B from the first money management apparatus 200A via the interface 19.

  FIG. 4 is a perspective view showing an appearance of the first money management apparatus 200A. Since the first money management device 200A and the second money management device 200B have the same configuration, only the configuration of the first money management device 200A will be described, and the configuration of the second money management device 200B will be described. Is omitted.

  The first money management apparatus 200A includes 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, 100 yen, 10 yen, and 1 A first coin storage drawer 213 that stores and stores yen coins, a second coin storage drawer 214 that stores and stores coins of 500 yen, 50 yen, and 5 yen, and a reserve that can also input securities other than money. A storage drawer 215.

  The first money management device 200A includes a control unit 225 that controls the entire first money management device 200A, a keyboard-type input unit 226 that gives various instructions to the control unit 225, and a user (salesperson and administrator). ) And an ID card reader 228 that reads the contents of an ID card possessed by a user who performs an operation of depositing / withdrawing money into / from the storage.

  In 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 first money management apparatus 200A. A bundle of banknotes is regularly stored and stored in the second banknote storage drawer 212. In 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, you may be comprised so that the large bundle banknote which bundled the bundle banknote of 1 bundle 100 sheets for every 10 bundles may be stored.

  FIG. 6 is a perspective view of the second coin storage drawer 214 of the first money management apparatus 200A. The second coin storage drawer 214 regularly stores and stores coins in the form of metal bars. In 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.

  FIG. 7 is a perspective view of the preliminary storage (preliminary drawer) 215. The spare storage 215 is provided with an empty space 253 into which securities other than money can be put in addition to the coin preliminary storage unit 251 and the bill preliminary storage unit 252.

  FIG. 8 is a block diagram showing a configuration of the control unit 225 of the first money management apparatus 200A. The control unit 225 is stored in a ROM 225d that stores various programs and data, a RAM 225e that serves as a program load area and a work area during program execution, a hard disk drive 225g that stores various programs and data, a ROM 225d, or a hard disk drive 225g. An arithmetic unit 225c that controls the entire first money management apparatus 200A by executing a program or the like is provided.

  The calculation unit 225c is connected to a load cell 261 (weight measuring means) provided corresponding to each denomination, and based on the output value of the load cell 261, the money corresponding to the weight of the stored money is stored. It is configured to be able to calculate the amount. The hard disk drive 225g is configured to store the amount of money calculated by the calculation unit 225c.

  The ID information read by the ID card reader 228 is also configured to be stored in the hard disk drive 225g in a manner corresponding to the calculated amount of money (stored and stored amount after deposit / withdrawal operation).

  Further, the keyboard-type input unit 226 is configured to input the amount of money to be deposited and withdrawn from the storage, and the calculation unit 225c is calculated from the output value of the load cell 261 as a scrutinizing means. The amount of money and the amount of money input by the keyboard type input unit 226 can be scrutinized.

  The first money management apparatus 200 </ b> A includes a communication interface (communication IF) 229 that performs data communication with the teller machine 100. Thus, the first money management apparatus 200A and the teller machine 100 can communicate with each other. Thereby, the first money management apparatus 200A can transmit the total amount of the first and second money management apparatuses 200A and 200B to the cashier 100 via the interface 229. Further, the second money management apparatus 200B can transmit the amount of the second money management apparatus 200B to the first money management apparatus 200A via the interface 229 of the second money management apparatus 200B.

  The control unit 225 is connected to open / close electromagnetic locks 211m to 215m provided in the drawers 211 to 215 as lock control means, and the drawers 211 to 215 are connected to the open state in which money can be deposited and withdrawn. It is configured to be able to switch between a locked state where deposits and withdrawals are impossible.

  User verification is adopted as a condition for switching the lock states of the drawers 211 to 215. For example, the ID information of a user set as a permitter in advance is stored in the hard disk drive 225g, and the ID information read by the ID card reader 228 is collated with the ID information of the permitter by the calculation unit 225c. The 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 in advance as the authorized person, the control unit 225 performs the opening / closing electromagnetic The locks 211m to 215m can be controlled to be in an open state in which money can be stored / removed.

  As another switching condition, in this embodiment, collation information collation may be employed in addition to user collation. Linkage information is, for example, operation information set for each deposit / withdrawal operation, and is usually data on the denomination and amount of deposit / withdrawal, but includes data related to the procedure of deposit / withdrawal operation (for example, linkage number) There is also a possibility. 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 linkage number can be input with the keyboard-type input unit 226. Then, the input 4-digit linkage number information can be collated with the linkage number in the linkage information transferred and stored by the calculation unit 225c as the operation identification means. In this case, the control unit 225 opens and closes only when the collation result is YES, that is, when the input 4-digit cooperation number matches the cooperation number in the cooperation information of the permitted operation transferred and stored. The electromagnetic locks 211m to 215m can be controlled so that money can be deposited and withdrawn. As described above, the linkage number is a linkage authentication used to link the cashier 100 and the money management apparatuses 200A and 200B in the money deposit / withdrawal process between the cashier 100 and the money management apparatuses 200A and 200B. Information. The linkage number is generated for each money deposit / withdrawal process, and is used to specify or authenticate the money movement process between the cashier 100 and the money management apparatuses 200A and 200B. The cooperative authentication information is not necessarily a number, and may be a specific character or symbol.

  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.

  On the other hand, when the input of the linkage number is required for each deposit / withdrawal operation, the deposit / withdrawal process between the depositing / dispensing machine 100 and the money management apparatuses 200A and 200B is preferable for security and to avoid duplication of a plurality of processes. It can be said. However, when the teller machine 100 and the money management apparatuses 200A and 200B are arranged close to each other, the movement of money between the teller machine 100 and the money management apparatuses 200A and 200B is usually executed immediately. Is done. For example, the operator takes out money from the teller machine 100, and then puts the money into the money management apparatuses 200A and 200B immediately thereafter. For this reason, even if the input of the cooperation number is omitted, there is no problem in terms of security, and a plurality of processes do not overlap. Rather, if it is necessary to input a linkage number every time a deposit / withdrawal operation is performed, it is cumbersome for the operator and the operability may be impaired.

  Accordingly, the teller machine 100 according to the present embodiment can input the cooperation number so that the input of the cooperation number can be omitted when the teller machine 100 and the money management apparatuses 200A and 200B are arranged close to each other. The necessity can be selected. The operator can select any of the necessity of the cooperation number with the keyboard type input unit 16.

  In the present embodiment, the following configuration is further adopted by utilizing the fact that the teller machine 100 and the first money management apparatus 200A can communicate with each other.

  The control unit 15 of the teller machine 100 is configured to check and / or review the money amount data of the first money management apparatus 200A using a communication function. Specifically, the control unit 15 of the teller machine 100 is configured to be able to control the calculation unit 225c of the first money management apparatus 200A, which is a scrutinizing means, via the communication interface 19 and the communication interface 229.

  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. For example, after the operator opens any of the drawers 211 to 215 to take out money from the first money management device 200A, the notification device 280 operates when the open state continues for a predetermined time or longer. In order to stop the notification device 280, the administrator needs to stop the alarm of the notification device 280. Even when it is set that the input of the cooperation number is unnecessary, the notification device 280 preferably operates in the same manner.

  In addition, in the cooperative operation between the money management apparatuses 200A and 200B and the cashier 100, when the depository is full while money is being deposited in the cashier 100, the process is interrupted even during the deposit process. Then, the money in the storage can be transferred to the money management apparatuses 200A and 200B, and when the transfer is completed, the depositing process can be resumed. Also, if the storage becomes empty while dispensing money from the cashier 100, the process is interrupted even during the withdrawal process, and the money stored in the money management apparatuses 200A and 200B. Can be loaded into the cashier 100, and the dispensing process can be resumed when loading is completed.

  As described above, when money is moved between the money management devices 200A and 200B and the cashier 100 during the deposit / withdrawal process, the money type and number of money to be moved, and the amount of money are data between the devices. To check if money has been transferred correctly.

  Next, an operation example of the money management system 300 described above will be described with reference to a flowchart.

  FIG. 9 is a flowchart of an example of a deposit / withdrawal operation preparation process on the cashier 100 side. First, the ID information of the operator of the teller machine 100 is read by the ID card reader 15b (S11). Based on the ID information, it is identified whether or not the operator is an operation authorized person of the teller machine 100 (S12).

  If the user is permitted to operate, the operation menu of the teller machine 100 is displayed on the display unit 15a (S13). While viewing the display, the operator (operation authorized person) inputs processing contents using the keyboard type operation unit 16 (S14). Here, the cooperative retrieval / storage is selected. Further, in this example, in order to further improve the security, a password input is requested (S15).

  After collation of the personal identification number, the operator (operation authorized person) inputs details of the deposit / withdrawal operation using the keyboard type operation unit 16 (S16). Specifically, the denomination and the number of bundles or the number of pieces of money to be deposited / withdrawn are input. Thereafter, the input completion is detected by the operation of the input completion key by the operator (S17). The teller machine 100 creates linkage information (also referred to as a linkage processing queue) as operation information including details of the entered deposit / withdrawal operation, and issues a linkage number as a part of the linkage information to the linkage information To do. The teller machine 100 stores the linkage information including the association between the linkage number and the detailed contents of the actual deposit / withdrawal operation in the hard disk 15g (S18). At the same time, in the case where the depositing / withdrawing operation of the linkage information includes the depositing / withdrawing operation in the money management apparatuses 200A, 200B, the teller machine 100 can establish the communication line as long as the person in charge has the authority to operate the money management apparatuses 200A, 200B. An open request (described later) is transmitted via Thereby, money management apparatus 200A, 200B can make an operation input screen skip to a cooperation number input screen. The teller machine 100 does not transmit the linkage information to the money management devices 200A and 200B, and the receipt issuing device 18 prints the receipt or transaction slip including the linkage number and issues the receipt or the transaction slip. (S19).

  FIG. 10 is a flowchart of the deposit / withdrawal operation process in the money management apparatuses 200A and 200B. The operator operates only the first money management apparatus 200A that is the parent machine. 200 A of 1st money management apparatuses control operation | movement of 2nd money management apparatus 200B which is a subunit | mobile_unit based on operation by an operator.

  First, the ID information of the operator of the first money management apparatus 200A is read by the ID card reader 228 (S21). Based on the ID information, it is identified whether or not the operator is an operation authorized person of the first money management apparatus 200A (S22).

  If it is an operation permission person, the operation menu of the money management apparatus 200 will be displayed on the display part 227 (S23). While viewing the display, the operator (operation authorized person) inputs processing contents from the keyboard type input unit 226 (S24).

  First, the case where a cooperation process with the teller machine 100 is selected will be described first.

  When the cooperation process is selected, in this example, in order to further improve security, a password input is requested (S25). After collation of the personal identification number, the operator inputs the cooperation number issued by the cashier 100 from the keyboard type operation unit 226 (S26).

  The linkage number is issued as a result of identification of the operator's ID information and the input of the personal identification number in the teller machine 100. Therefore, as another embodiment, the operator of the teller machine 100 can receive money. If the person has the operation authority of the management apparatus 200, only the input of the cooperation number is requested here, and the above input request of the ID information and the personal identification number can be omitted.

  In response to the input of the cooperation number, the first money management apparatus 200A makes an inquiry to the teller machine 100. The teller machine 100 searches the linkage information using the linkage number, and takes out the detailed information of the withdrawal / storage that is the content of the linkage information corresponding to the linkage number (the data of the denomination or amount of money that is the target of withdrawal / storage). In addition, the drawer opening / closing procedure data may be included) and transmitted to the first money management apparatus 200A (S27). The first money management apparatus 200A displays a part or all of the information for the operator's confirmation (S28). After confirmation, the operator completes the removal / storage preparation completion by operating the input completion key (S29).

  Thereafter, money storage processing or extraction processing is performed based on the details of the extraction / storage operation included in the cooperation information (S30). When an input indicating that the process is completed is performed from the keyboard type operation unit 226, the cooperation information is updated and stored in the hard disk 225g (S31). And the said cooperation information is also transmitted to the teller machine 100 via a communication line, and the said cooperation information in the teller machine 100 is updated as processed.

  The detailed operation of taking out and storing money in the money management apparatuses 200A and 200B will be described later.

  Next, a case where a single process in the money management apparatus 200A (or 200B), that is, a local process that is not based on cooperation information received in advance from the teller machine 100 will be described. Since the local processing of the second money management apparatus 200B is the same as that of the first money management apparatus 200A, the local processing of the first money management apparatus 200A will be described below, and the second money management apparatus 200B will be described. Description of local processing is omitted.

  When the single processing is selected, in this example, in order to further improve security, a password input is requested (S125). The single process of the first money management apparatus 200A is a process that is not based on the cooperation information received in advance from the teller machine 100, and the cooperation information corresponding to the process is an uncreated process. Therefore, unlike the cooperation process based on the cooperation information received from the teller machine 100, the input request for the ID information and the password cannot be omitted.

  After collation of the passwords, the operator (operation authorized person) inputs details of the take-out / storage operation from the keyboard type operation unit 226 (S126). Specifically, data of the denomination and number of bundles or number of objects to be taken out / stored are input. Thereafter, the input completion is detected by the operation of the input completion key by the operator (S127).

  The first money management apparatus 200A creates local processing information as processing information including details of the input take-out / storage operation, and a local processing number as a part of the local processing information for the local processing information. Is issued. 200 A of 1st money management apparatuses memorize | store in the hard disk 225g the local process information containing the correlation with the said local process number and the detailed content of actual extraction / storage operation | movement. At the same time, the first money management apparatus 200A transmits the local processing information to the teller machine 100 via the communication line. If the communication line is disconnected at this time, the local processing information is held in the first money management apparatus 200A, and then transmitted to the teller machine 100 when the communication line is connected. Before the local processing information related to the single processing in the first money management apparatus 200A is transmitted, the teller machine 100 has no information related to the single processing, so the local processing information related to the single processing is an exception. All are sent to the cashier 100.

  Thereafter, the storage / removal of money is performed based on the details of the take-out / storage operation included in the local processing information (S128). When an input to the effect that the processing is completed is performed from the keyboard type operation unit 226, the local processing information is updated and stored in the hard disk 225g (S129). At the same time, the local processing information is also transmitted to the teller machine 100 via the communication line, and the local processing information in the teller machine 100 is updated. As described above, if the communication line is disconnected at this time, the local processing information is held in the first money management apparatus 200A, and then the teller machine 100 is informed when the communication line is connected. Send. If the local processing information cannot be transmitted to the teller machine 100 and has not been transmitted when the local processing information is created, only the updated local processing information is transmitted after the extraction / storage operation is completed. May be.

  Note that the local processing information of the second money management apparatus 200B is transmitted to the teller machine 100 via the first money management apparatus 200A.

  FIG. 11 is an explanatory view schematically showing an overall image of money stock management by the money management system and the money management method according to the present embodiment.

  The teller machine 100 and the money management apparatuses 200A and 200B are configured to be able to communicate with each other, but the communication line is not always connected, and can be physically disconnected at any time. Therefore, the money management apparatuses 200A and 200 can be used by moving to any place in the store. Note that the money management apparatuses 200A and 200 can also manage the amount of money alone.

  In the money management system and the money management method according to the present embodiment, all cash management in the store of a financial institution is performed by the cashier 100. The money balance managed by the teller machine 100 includes a stock balance 6, a machine balance 1, a post balance 2, and a hand balance 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 a possible currency balance. The hand held amount 3 is the amount of money placed under the management by hand, such as temporarily removed from the safe or the teller machine 100 for the purpose of transferring funds. , Money management device stock 4 (4X, 4Y), which is the amount of money stored and movable in 200B, is also managed as part of the hand held. The money management device balance 4 is managed as a part 4X of the hand held amount 3 in the cashier 100, but the money management devices 200A and 200B themselves are managed as the money management device balance 4Y. The money management device balance 4Y of the money management devices 200A and 200B is inquired by the teller machine 100 to the first money management device 200A as needed. Since the first money management apparatus 200A also manages the money balance of the second money management apparatus 200B, the teller machine 100 makes an inquiry to the first money management apparatus 200A, so that the money management apparatuses 200A and 200B are inquired. It is possible to grasp the total stock amount that is added to each currency stock amount. Therefore, the money management device stock 4X and the money management device stock 4Y are configured to transmit and receive linkage information between the teller machine 100 and the first money management device 200A to update both money stock data. Matched.

  The linkage information is stored in the processing information management database 400 of the teller machine 100 and updated as needed. This processing information 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. In addition, when securities such as checks are deposited from customers, or when non-paid bills are included in the deposited money, they are post-paid and managed as post-invoices. When these securities and non-performing securities are collected from the post of the teller machine 100, the post amount is managed as a part of the hand amount.

  When the money stored in the teller machine 100 is insufficient or cannot be completely inserted, the money is taken out from the safe and replenished to the teller machine 100, or the money is collected from the teller machine 100 and stored in the safe. Or At the time of the transfer of funds, the funds are temporarily managed as the amount on hand.

  When the money stored in the money management apparatuses 200A and 200B is insufficient or cannot be completely inserted, the money is taken out from the safe and replenished to the money management apparatuses 200A and 200B, or the money is picked up from the money held in the hand. The money is loaded into the management devices 200A and 200B, the money is collected from the money management devices 200A and 200B and stored in the safe, or the money is kept at hand and managed as a hand-held amount.

  All funds transfer is managed by the cashier 100 as described above, but in particular, when a deposit / withdrawal operation including storage and withdrawal of money is performed in the money management apparatuses 200A and 200B, cooperation is performed. Cooperation information with numbers is created in the teller machine 100. The linkage information is transmitted from the teller machine 100 to the first money management device 200A before execution of the take-out / storage operation of the money management apparatuses 200A and 200B, and the cooperation information is updated even after execution of the take-out / storage operation. Information is sent back from the first money management apparatus 200A to the cashier 100, and the linkage information in the cashier 100 and the first money management apparatus 200A is matched, and accurate cash management is maintained.

  FIG. 12 is a flowchart showing detailed operations of the money management apparatuses 200A and 200B in the storing / removing process in step 30 shown in FIG. First, the control unit 225 of the first money management device 200A determines the quantity or amount of money (hereinafter also referred to as processing target money) that is the object of storage / removal processing, and the total amount of money management devices 200A and 200B. The total amount of denominations corresponding to the processing target currency is compared (S310). When the total amount of the denominations in the money management apparatuses 200A and 200B is smaller than the quantity or amount of money to be processed (NO in S310), an error is displayed on the display unit 227 (S320). In this case, it is necessary to replenish money from the safe or the like to the money management apparatuses 200A and 200B. Replenishment of money is performed by the operator or administrator (person in charge of payment).

  When the total amount of the denominations in the money management apparatuses 200A and 200B is equal to or greater than the quantity or amount of money to be processed (YES in S310), the first money management apparatus 200A that is the parent machine has its drawer 211 To 214 are opened (S330). At this time, the first money management apparatus 200A may open only the drawer corresponding to the denomination of the processing object money.

  After the operator stores or removes money from the first money management apparatus 200A (S340), the drawers 211 to 214 are closed (S350). The calculation unit 225c of the first money management apparatus 200A closely examines the money amount in the first money management apparatus 200A via the load cell 261 (S360). At this time, the quantity or amount A of money stored or taken out by the operator is compared with the quantity or amount B of money to be processed. As a result, when the quantity or amount A of money stored or taken out by the operator is larger than the quantity or amount B of the money to be processed (A> B in S360), an error is displayed on the display unit 227 (S370). . This is to prevent illegal or incorrect processing. In this case, the first money management apparatus 200 </ b> A opens the drawers 211 to 214 again or alerts with a warning sound. The operator or the administrator stores the money again in the first money management apparatus 200A, or takes out the money from the first money management apparatus 200A (S340). Then, steps S350 and S360 are executed again.

  When the quantity A or amount of money stored or taken out by the operator is equal to the quantity or amount B of money to be processed (A = B in S360), the storage process or the take-out process ends in the first money management apparatus 200A. To do. That is, the operator does not need to put in and out money in the second money management apparatus 200B. Therefore, the first money management apparatus 200A updates its own money amount and total money amount (S380), and then transmits each money money amount and total money amount of the money management apparatuses 200A and 200B to the teller machine 100 ( S390). The teller machine 100 receives the updated money amount and total money amount from the first money management device 200A, and updates the management device money amount 4X based on the money amount information (S400). Thereby, the storage / removal processing is completed.

  When the quantity or amount A of money stored or taken out by the operator is smaller than the quantity or amount B of the processing target currency (A <B in S360), that is, a part of the processing target currency is the first When the money management device 200A is put in and out, the calculation unit 225c of the first money management device 200A subtracts the money amount or quantity of a part of the money stored or taken out from the money amount or quantity of the processing target money. The amount or quantity of the remaining money (remaining money) obtained is calculated (S410). The display unit 227 of the first money management apparatus 200A displays the denomination and quantity or amount of the remaining money, and prompts the operator to store or remove the remaining money in the second money management apparatus 200B. The denomination and quantity or amount of the remaining money are notified to the second money management apparatus 200B (S420).

  When the second money management apparatus 200B receives the information on the denomination and quantity or amount of the remaining money (S430), the second money management apparatus 200B opens its drawer 211-214 (S440). At this time, the second money management apparatus 200B may open only the drawer corresponding to the denomination of the remaining money among the processing object money.

  After the operator stores or removes money from the second money management apparatus 200B (S450), the drawers 211 to 214 are closed (S460). The computing unit 225c of the second money management apparatus 200B closely examines the money amount in the second money management apparatus 200B via the load cell 261 (S470). At this time, the quantity or amount C of money stored or taken out by the operator is compared with the quantity or amount D of remaining money. As a result, when the quantity or amount C of money stored or taken out by the operator is greater than the quantity or amount D of remaining money (C> D in S470), an error is displayed on the display unit 227 (S480). This is to prevent illegal or incorrect processing. In this case, the second money management apparatus 200B opens the drawers 211 to 214 again or alerts with a warning sound. The operator or the administrator stores the money again in the second money management apparatus 200B, or takes out the money from the second money management apparatus 200B again. Then, steps S460 and S470 are executed again.

  When the quantity or amount of money stored or taken out by the operator is equal to the quantity or amount of remaining money (C = D of 470), the storing process or the taking-out process is performed by taking in or out the money in the second money management apparatus 200B. finish. In this case, even if a third money management device (not shown) is connected to the first money management device 200A as a slave unit, the operator puts and removes money in the third money management device. There is no need. The second money management apparatus 200B updates its own money balance (S490), and then transmits the money balance to the first money management apparatus 200A (S500). Then, the second money management apparatus 200B ends the storage / removal process.

  The first money management device 200A receives the updated money amount from the second money management device 200B, and updates the money amount of the second money management device 200B based on the money amount. Further, the first money management apparatus 200A updates its own stock and total stock (S510). Each money amount and total money amount of the money management apparatuses 200A and 200B are transmitted to the teller machine 100 (S390). Then, the first money management apparatus 200A ends the storage / removal process. The teller machine 100 receives the updated money amount and total money amount from the first money management device 200A, and updates the management device money amount 4X based on the money amount information (S400). Thereby, the storage / removal processing is completed.

  When the quantity or amount C of money stored or taken out by the operator is smaller than the quantity or amount D of remaining money (C <D of S470), the third money management device serves as the first money management device. If not connected to 200A, an error is displayed on the display unit 227 (S480). That is, when only the second money management device 200B is provided as a slave, an error is displayed on the display unit 227. This is to prevent illegal or incorrect processing. However, in the extraction process, the operator may intentionally take out less money than the amount or amount of remaining money. For example, when only the official seal is taken out, if there are no official seals exceeding the quantity or amount of the remaining money stored in the second money management apparatus 200B, the operator may take out only the official seal. . In this case, the quantity or amount of money actually taken out is less than the quantity or amount of remaining money. Therefore, in the withdrawal process, the money management devices 200A and 200B are set so that no error is displayed on the display unit 227 even if the quantity or amount C of the removed money is smaller than the quantity or amount D of the remaining money. Also good.

  FIG. 13 is a flowchart of storage / removal processing when a plurality of money management apparatuses 200B and 200C are connected to the first money management apparatus 200A as slave units. Steps S310 to S470 shown in FIG. 13 are the same as steps S310 to S470 shown in FIG. The third money management device is referred to as 200C for convenience.

  When a plurality of money management devices 200B and 200C are provided as slave units, in step S470, when some of the remaining money is stored or taken out by the second money management device 200B (C <S470) D) Without displaying an error, the second money management apparatus 200B updates its own money amount (S490), and transmits the updated money amount to the first money management apparatus 200A (S500). ).

  Then, the calculation unit 225c of the first money management apparatus 200A uses the amount or quantity of a part of money stored or taken out by the second money management apparatus 200B as the amount or quantity of the remaining money (first remaining money). The amount or quantity of the remaining money (second remaining money) obtained by subtracting from is calculated (S520). The display unit 227 of the first money management apparatus 200A displays the denomination and quantity or amount of the second remaining money, and also displays the denomination and quantity of the second remaining money to the third money management apparatus 200C. The amount is notified (S530).

  The third money management apparatus 200C executes an operation similar to that of the second money management apparatus 200B for the second remaining money. More specifically, upon receiving information on the denomination and quantity or amount of money of the second remaining money (S431), the third money management apparatus 200C opens its own drawers 211 to 214 (S441). At this time, the third money management apparatus 200C may open only the drawer corresponding to the denomination of the second remaining money in the processing object money.

  After the operator stores or removes money from the third money management apparatus 200C (S451), the drawers 211 to 214 are closed (S461). The calculation unit 225c of the third money management apparatus 200C closely examines the money amount in the third money management apparatus 200C via the load cell 261 (S471). At this time, the quantity or amount E of money stored or taken out by the operator is compared with the quantity or amount F of the second remaining money. As a result, when the quantity or amount E of money stored or taken out by the operator is larger than the quantity or amount F of the second remaining money (E> F in S471), an error is displayed on the display unit 227 ( S481). In this case, the third money management apparatus 200 </ b> C again opens the drawers 211 to 214 or alerts with a warning sound. The operator or the administrator stores the money again in the third money management apparatus 200C, or takes out the money from the third money management apparatus 200C again. Then, steps S461 and S471 are executed again.

  When the quantity or amount of money stored or removed by the operator is equal to the quantity or amount of the second remaining money (E = F of 471), the storage process or the removal process is performed by the third money management device. Completed by storage or removal. Accordingly, the third money management apparatus 200C updates its own money balance (S491), and then transmits the money balance to the first money management apparatus 200A (S501). Then, the third money management apparatus 200C ends the storage / removal process.

  The first money management apparatus 200A receives the updated money balances from the second and third money management apparatuses 200B and 200C, and based on these money balances, the second best third money The stocks of the management devices 200B and 200C are updated. In addition, the first money management apparatus 200A updates its own stock and total stock (S540). Then, the first money management device 200A transmits the money amount and the total money amount of the first to third money management devices 200A to 200C to the teller machine 100 (S391). As a result, the first money management apparatus 200A ends the storage / removal process. The teller machine 100 receives the updated money amount and total money amount from the first money management device 200A, and updates the management device money amount 4X based on the money amount information (S400). Thereby, the teller machine 100 also ends the storing / removing process.

  The money management system 300 according to the present embodiment can further add three or more money management devices 200 as slave units. The money management devices 200B and 200C as the slave units are connected to the first money management device 200A as the master unit, and the first money management device 200A has the money management devices 200B and 200C as the slave units. Manage highs collectively. Therefore, the plurality of money management apparatuses 200 can be regarded as one money management apparatus 200 having a large capacity for the teller machine 100.

  The plurality of money management devices 200 in the money management system 300 according to the present embodiment all have the same configuration. Therefore, when the money management system 300 has insufficient capacity for storing money, the money management apparatus 200 can be easily added without changing the setting of the cashier 100 or the existing money management apparatus 200. As described above, the added money management apparatus 200 recognizes that it is a child machine by being connected to the first money management apparatus 200 </ b> A as a parent machine instead of the teller machine 100. Can do.

  As described above, the money management system 300 according to the present embodiment can handle a large amount of money, and can safely manage the money amount management in the financial institution including the money money amount in the plurality of money management devices 200. Can be done comprehensively.

(Second Embodiment)
FIG. 14 is a system schematic diagram showing the second embodiment. The money management system 301 according to the second embodiment is configured by a plurality of money management apparatuses 200A and 200B, and does not include the cashier 100. In this case, the first money management device 200A as the parent device manages the money balance of the other money management device 200B. Therefore, the storage units 225e and 225g of the first money management apparatus 200A are used for the money stocks of the first and second money management apparatuses 200A and 200B, and the first and second money management apparatuses 200A and 200B. Memorize the total balance and manage them.

  The other structure of the money management system 301 according to the second embodiment may be the same as the corresponding structure of the money management system 300 according to the first embodiment. The various stocks 1, 2, 3, and 6 managed in the teller machine 100 of FIG. 11 are managed by the second money management apparatus 200A as the master machine.

  In the storage / removal process, the cooperation process between the cashier 100 and the money management apparatus 200A is not performed. That is, the money management system 301 does not execute steps S25 to S28 and S31 of FIG. 10 but performs other operation steps S21 to S30 shown in FIG. Further, the denomination and quantity or amount of money to be processed are input at the input unit 16 of the first money management apparatus 200A (S126).

  12 and 13, step S400 executed by the teller machine 100 is executed in the first money management apparatus 200A, for example, in step S390 or S391. Other operations of the money management system 301 may be the same as the operations of the money management system 300 in the first embodiment.

  The parent-child relationship between the first money management apparatus 200A and the second money management apparatus 200B may be determined manually by the installer when the money management system 301 is installed, for example. Alternatively, the money management device 200A set first may be used as a parent device, and then the money processing device 200B connected to the parent device may be used as a child device. Once the parent-child relationship is established, the addition of the money management apparatus 200 is the same as that of the first embodiment and is easy.

  The money management system 301 according to the third embodiment can further add two or more money management apparatuses 200 as slave units. The money management device 200 as a child machine is connected to a first money management device 200A as a parent machine, and the first money management device 200A collectively manages each money amount of the money management device 200 as a child machine. To do. Therefore, the plurality of money management apparatuses 200 can be regarded as one money management apparatus 200 having a large capacity.

  The money management system 301 according to the second embodiment can obtain the same effects as the money management system 300 according to the first embodiment.

(Modification 1 of 1st and 2nd embodiment)
When the handset is only the second money management apparatus 200B and the amount of either one of the first and second money management apparatuses 200A and 200B is less than the amount or quantity of the money to be processed, the other It is necessary to store or take out a predetermined amount of money or a predetermined amount or more of money from the money management apparatus 200. For example, when it is necessary to take out 1000 pieces (10,000 bundles) of 10,000 yen bills, it is assumed that the stock of 10,000 yen bills in the second money management apparatus 200B is 500 pieces (5 bundles). In this case, the operator needs to take out 500 pieces (5 bundles) of 10,000 yen bills from the first money management apparatus 200A. If the operator only takes 400 or less (4 bundles) of 10,000 yen bills from the first money management device 200A, the remaining money (600 pieces of 10,000 yen bills is used in the second money management device 200B. This is because (6 bundles)) cannot be taken out.

  Therefore, the calculation unit 225c of the first money management apparatus 200A calculates the amount or quantity of the deficient money obtained by subtracting the amount of the second money management apparatus 200B from the amount or quantity of the processing target money. Then, the display unit 227 of the first money management apparatus 200A displays in the first money management apparatus 200A so as to take out more money than the amount or quantity of the insufficient money.

  When the operator takes out more than the amount or quantity of the deficient money from the first money management apparatus 200A, the operator can reliably take out the remaining money in the second money management apparatus 200B. That is, it is possible to prevent a situation where the operator notices that there is not enough money for the first time when looking at the inside of the drawer of the second money management apparatus 200B.

  When storing money, the calculation unit 225c of the first money management apparatus 200A calculates the capacity (empty capacity) of an area in which money is not yet stored in the drawers of the money management apparatuses 200A and 200B. Good. For example, when storing 10,000 pieces (ten bundles) of 10,000 yen bills, it is assumed that the “free space” in the drawer of the 10,000 yen bills of the second money management apparatus 200B is 500 pieces (5 bundles). . In this case, the operator needs to store 500 yen (5 bundles) or more of 10,000 yen bills in the first money management apparatus 200A. If the operator stores only less than 400 (four bundles) 10,000 yen bills in the first money management device 200A, the remaining money (600 pieces of 10,000 yen bills in the second money management device 200B). This is because (6 bundles) cannot be stored.

  Thereby, the operator can reliably store the remaining money in the second money management apparatus 200B. That is, it is possible to prevent a situation in which the operator notices that there is not enough free space until the operator looks at the drawer of the second money management apparatus 200B.

  In addition, when the teller machine 100 is provided, the error displayed on the display unit 227 of the first money management apparatus 200A, the denomination and quantity or amount of the remaining money, the balances of the money management apparatuses 200A and 200B, You may display the total amount of money management apparatus 200A and 200B on the display part 15a of the teller machine 100. FIG. Thereby, the operator or the cashier can easily grasp the state of each money management device 200A, 200B in the cashier 100.

(Modification 2 of the first or second embodiment)
FIG. 15 and FIG. 16 are input tables of processing target currency displayed on the display unit 15a of the teller machine 100 or the display unit 227 of the first money management apparatus 200A according to the second modification of the first or second embodiment. is there. FIG. 15 is an input table of processing target currency in the extraction processing. FIG. 16 is an input table of currency to be processed in the storage process.

  For example, in step S16 of FIG. 9, the teller machine 100 displays on the display unit 15a the input table of processing target currency shown in FIG. 15 or FIG. Alternatively, in step S126 of FIG. 10, the first money management apparatus 200A displays the input table of the processing object money shown in FIG. 15 or FIG. 16 on the display unit 227.

  In the input table of the processing object money, the amount of money stored in each money management device 200 is displayed in advance divided into a public seal ticket and a circulation ticket. A government seal is a bill that has not been distributed to the market since it was printed. A distribution ticket is a banknote that has already been distributed to the market. Moreover, the total amount of money stored in the plurality of money management devices 200A to 200C is displayed on the input table of the processing object money separately for the official seal and the circulation ticket.

  Usually, the money management apparatus 200 stores bundled banknotes or large bundled banknotes as shown in FIG. The amount of money in the input table of the processing target currency or the numerical value of the transaction may be either the number of banknotes or the number of large banknotes.

[Removal processing]
First, the operator inputs the transaction amount of money in the input table of the money to be processed. At this time, in the take-out process, the operator has to input a quantity within the range of the stock amount for each denomination or ticket type (government seal or circulation ticket) in each money management apparatus 200 as a transaction amount. This is because it is not possible to take out money in excess of the money in the money management device 200. If the operator inputs a quantity exceeding the stock, the display unit 15a of the teller machine 100 or the display unit 227 of the first money management apparatus 200A displays an error. In this case, the operator re-enters the quantity within the stock amount range.

  For example, it is assumed that the operator takes out 10 large bundles of government sealed tickets of 10,000 yen bills from the respective money management devices 200A to 200C. In this case, the operator uses the input unit 16 or 226 to input the number of bundles in the “transaction” column of the processing target currency input table. In FIG. 15, the operator inputs to take out 5 bundles from the first money management apparatus 200A and 5 bundles from the second money management apparatus 200B. In the input table of the processing target currency, the total amount of transactions input by the operator (for example, 10 bundles of government sealed tickets) is displayed.

  The first money management apparatus 200A executes the process shown in FIG. 12 or 13 based on the input table of the money to be processed. At this time, for example, in the scrutiny in step S360, the first money management apparatus 200A has a case where the amount of money actually taken out by the operator is different from the transaction amount (for example, five bundles) in the input table of money to be processed. The error is displayed on the display unit 227.

  Further, the second money management apparatus 200B also executes the process shown in FIG. 12 or 13 based on the input table of the money to be processed. At this time, for example, in the detailed examination in step S470, the second money management apparatus 200B has a case where the quantity of money actually taken out by the operator is different from the transaction quantity (for example, five bundles) in the input table of the money to be processed. The error is displayed on the display unit 227.

  When an error occurs, the operator or the administrator takes out the money again from the first money management apparatus 200A or the second money management apparatus 200B.

  Other operations of the money management system according to the second modification may be the same as the operations illustrated in FIG.

  According to the second modification, the operator can determine in advance how much quantity is to be taken out from which money management device while confirming the stocks of the money management devices 200A to 200C.

[Storage processing]
In the storage process, the operator must input the quantity within the range of the free capacity for each denomination or ticket type (government sealed ticket or circulation ticket) in each money management apparatus 200 as the transaction amount. This is because it is impossible to store more money than the free capacity of the money management apparatus 200. If the operator inputs a quantity larger than the available capacity, the display unit 15a of the teller machine 100 or the display unit 227 of the first money management apparatus 200A displays an error. In this case, the operator re-enters the quantity within the free capacity range.

  For example, it is assumed that the operator stores ten large bundles of government sealed tickets of 10,000 yen bills from the money management devices 200A to 200C. In this case, the operator uses the input unit 16 or 226 to input the number of bundles in the “transaction” column of the processing target currency input table. In FIG. 16, the operator inputs so as to store five bundles in the first money management apparatus 200A and five bundles in the second money management apparatus 200B. In the input table of the processing target currency, the total amount of transactions input by the operator (for example, 10 bundles of government sealed tickets) is displayed.

  The first money management apparatus 200A executes the process shown in FIG. 12 or 13 based on the input table of the money to be processed. At this time, for example, in the scrutiny in step S360, the first money management apparatus 200A determines that the amount of money actually stored by the operator is different from the transaction amount (for example, five bundles) in the input table of the processing target money. The error is displayed on the display unit 227.

  Further, the second money management apparatus 200B also executes the process shown in FIG. 12 or 13 based on the input table of the money to be processed. At this time, for example, in the scrutiny in step S470, the second money management apparatus 200B determines that the amount of money actually stored by the operator is different from the transaction amount (for example, five bundles) in the processing target money input table. The error is displayed on the display unit 227.

  When an error occurs, the operator or the administrator stores the money again in the first money management apparatus 200A or the second money management apparatus 200B.

  Other operations of the money management system according to the second modification may be the same as the operations illustrated in FIG.

  According to the second modification, the operator can determine in advance how much quantity is stored in which money management apparatus while checking the free capacity of each money management apparatus 200A to 200C.

  According to the second modification, money can be stored or taken out according to the operator's intention. For example, in the case of taking out a government seal, even if a government seal is not stored in the first money management apparatus 200A, if the government seal is sufficiently stored in the second money management apparatus 200B, an operation is performed. The person can know from the input table of FIG. 15 that the official seal is stored in the second money management apparatus 200B. Since the official seal ticket is not stored in the first money management device 200A, the operator can prevent the situation where the circulation ticket stored in the first money management device 200A is unavoidably substituted.

  Furthermore, this modification 2 can also obtain the same effect as the first or second embodiment.

  Moreover, normally, money management apparatus 200A-200C cannot discriminate | determine an official seal ticket and a circulation ticket automatically. In the second modification, the operator inputs the quantity of money to be processed by distinguishing between a government sealed ticket and a circulation ticket, and therefore the first money management device 200A as the parent machine is one of the money management devices 200A to 200C. The amount of money in the banknotes and the total amount of money in the money management devices 200A to 200C can be managed separately from officially sealed tickets and circulation tickets.

(Modification 3 of the first or second embodiment)
FIGS. 17A to 18C are screens displayed on the display unit 15a of the teller machine 100 or the display unit 227 of the first money management apparatus 200A according to the third modification of the first or second embodiment. It is. FIGS. 17A to 17C show screens in the extraction process. FIG. 18A to FIG. 18C show screens in the storage process.

  When there is no monetary balance of any of the plurality of money management apparatuses 200A and 200B (in the case of an empty), or when there is no free capacity of any of the plurality of money management apparatuses 200A and 200B (when full), the cashier 100 Alternatively, the first money management apparatus 200 </ b> A that is the parent machine displays the fact on the display unit 15 a or 227. Even when the amount of money in one of the plurality of money management devices 200A and 200B is small (when it is close to empty) or when the free space of one of the plurality of money management devices 200A and 200B is low (when it is close to full) The first money management apparatus 200 </ b> A that is the teller machine 100 or the parent machine may display the fact on the display unit 15 a or 227. In addition, each money management apparatus 200A, 200B is comprised so that an empty capacity | capacitance can be detected based on each capacity | capacitance and stock amount of the drawers 211-214. Thereby, each money management apparatus 200A, 200B can also detect the full or empty of the drawers 211-214.

  In the third modification, the teller machine 100 or the money management apparatuses 200A and 200B are not limited to the full or empty information of the money management apparatuses 200A and 200B, as shown in FIGS. 17A to 18C. The amount or amount of money to be taken out / stored in the money management apparatus 200A or 200B is also displayed.

  17 (A) to 18 (C) are displayed on the display unit 15a of the teller machine 100 when the denomination and quantity or amount of money to be processed are input in step S16 of FIG. 9 or step S126 of FIG. Or it displays on the display part 227 of 200 A of 1st money management apparatuses.

  For example, in the case where ten bundles of 10,000 yen bills are taken out, it is assumed that the monetary balance of the second money management device 200B which is a slave is empty. In this case, the teller machine 100 or the first money management apparatus 200A displays that all the processing target money (for example, 10 bundles) should be taken out from the first money management apparatus 200A as shown in FIG. This is displayed on the part 15a or 227.

  Further, for example, in the case where ten bundles of 10,000 yen bills are taken out, the teller machine 100 or the first money management device 200A determines the second money management device 200B from the quantity (for example, 10 bundles) of processing target money. The amount or amount of money (for example, 3 bundles) is calculated by subtracting the amount of money (for example, 7 bundles). Then, the teller machine 100 or the first money management apparatus 200A should take out money that is more than the quantity or amount (for example, three bundles) of insufficient money from the first money management apparatus 200A as shown in FIG. This is displayed on the display unit 15a or 227.

  Further, for example, it is assumed that the ten thousand yen bill of the first money management apparatus 200A has seven bundles and the ten thousand yen bill of the second money management apparatus 200B has three bundles. When ten bundles of ten thousand yen bills are taken out, the amount of money to be processed (10 bundles) is the total amount of ten yen (10 bundles) of the first and second money management devices 200A and 200B. Is the same. In this case, seven bundles of 10,000 yen bundles are taken out from the first money management apparatus 200A, which is the parent machine, and three bundles of 10,000 yen bundles are taken out from the second money management apparatus 200B. Accordingly, the teller machine 100 or the first money management apparatus 200A, as shown in FIG. 17C, uses the first amount of money or the amount of money (for example, seven bundles) of the first money management apparatus 200A as the first money. Is displayed on the display portion 15a or 227.

  Thus, the cashier 100 or the money management apparatuses 200A and 200B can display the quantity or amount of money to be taken out by at least one of the money management apparatuses 200A according to the amount of money of the money management apparatuses 200A and 200B. .

  For example, in the case where ten bundles of 10,000 yen bills are stored, it is assumed that the second money management device 200B as a slave is full. In this case, the teller machine 100 or the first money management apparatus 200A should store all of the processing target money (for example, 10 bundles) in the first money management apparatus 200A as shown in FIG. It is displayed on the display unit 15a or 227.

  For example, in the case of storing 10 bundles of 10,000 yen bills, the teller machine 100 or the first money management device 200A determines the second money management device 200B from the quantity (for example, 10 bundles) of processing target money. The amount or amount (for example, 3 bundles) of the insufficient capacity obtained by subtracting the free capacity (for example, 7 bundles) is calculated. Then, the teller machine 100 or the first money management apparatus 200A should take out the money of the shortage capacity or the amount (for example, three bundles) or more from the first money management apparatus 200A as shown in FIG. 18B. This is displayed on the display unit 15a or 227.

  For example, it is assumed that the 10,000 yen bill of free space of the first money management apparatus 200A is 7 bundles, and the free capacity of the 10,000 yen bill of the second money management apparatus 200B is 3 bundles. When 10 bundles of 10,000 yen bills are stored, the quantity (10 bundles) of money to be processed is the total free capacity (10 bundles) of 10,000 yen of the first and second money management devices 200A and 200B. ). In this case, seven bundles of 10,000 yen bundles are stored in the first money management device 200A as the master unit, and three bundles of 10,000 yen bundle bills are stored in the second money management device 200B. Accordingly, the teller machine 100 or the first money management apparatus 200A receives, as shown in FIG. 18 (C), the first money management apparatus 200A with the amount of money or the amount (for example, seven bundles) of the total free capacity as the first money. Is displayed on the display unit 15a or 227.

  As described above, the teller machine 100 or the money management apparatuses 200A and 200B can display the quantity or amount of money to be stored in at least one of the money management apparatuses 200A according to the free capacity of the money management apparatuses 200A and 200B. it can.

  Thereby, the operator can know beforehand that money management apparatus 200A, 200B is empty (full) or nearly empty (full) in a storage process or an extraction process. Further, the operator can know in advance the quantity or amount of money to be taken out or stored from the money management devices 200A and 200C other than the second money management device 200B close to empty (full) or empty (full). Therefore, the operator can perform accurate storage / removal processing.

(Third embodiment)
In the first and second embodiments, the operator stores or removes a part of the processing object money in the first money management apparatus 200A and stores or takes out the remaining money in the other money management apparatuses 200B and 200C. .

  In the third embodiment, the operator stores or removes a part of the processing target money in any of the drawers 211 to 214 of the first money management apparatus 200A, and stores the remaining money in addition to the first money management apparatus 200A. Store or remove in the drawer. In this case, 200 A of 1st money management apparatuses manage each money amount of drawer 211-214.

  The following specific example shows storage / removal processing in a money handling system including a cashier 100 and a first money management apparatus 200A connected to the cashier 100.

  FIG. 19 is a flowchart showing the operation of the money management system according to the third embodiment. In the third embodiment, it is assumed that the drawers 211 and 212 of the first money management apparatus 200A store 10,000 yen bills (bundle bills or large bundle bills). After the execution of steps S310 and S320 in FIG. 13, when the processing target currency is a 10,000 yen bill, the first currency management device 200A opens the drawer 211 (S332).

  After the operator stores or removes money from the drawer 211 (S342), the drawer 211 is closed (S352). The calculation unit 225c of the first money management apparatus 200A closely examines the money amount in the drawer 211 of the first money management apparatus 200A via the load cell 261 (S362). At this time, the quantity or amount G of money stored or taken out by the operator is compared with the quantity or amount H of the money to be processed. As a result, when the quantity or amount G of money stored or taken out by the operator is larger than the quantity or amount H of the money to be processed (G> H in S362), an error is displayed on the display unit 227 (S372). . In this case, the first money management apparatus 200 </ b> A again opens the drawer 211 or calls attention with a warning sound. The operator or the administrator stores the money again in the drawer 211 of the first money management apparatus 200A or takes out the money from the drawer 211 of the first money management apparatus 200A (S342). Then, steps S352 and S362 are executed again.

  When the quantity G or amount of money stored or taken out by the operator is equal to the quantity or amount H of money to be processed (G = H in S362), the storage process or the withdrawal process is performed by the drawer of the first money management apparatus 200A. The process ends at 211. That is, the operator does not need to put in and out money in the other drawer 212 of the first money management apparatus 200A. Therefore, the first money management apparatus 200A updates the cash amount of the drawer 211 and the total money amount of the drawers 211 to 214 in the first money management apparatus 200A (S382), and then updates the cash amount of the drawer 211 of the money management apparatus 200A. The money balance and the total money of the drawers 211 to 214 in the first money management apparatus 200A are transmitted to the teller machine 100 (S392). The teller machine 100 receives the updated monetary amount and the total monetary amount from the first money management device 200A, and updates the management device amount 4X based on the amount information (S402). Thereby, the storage / removal processing is completed.

  When the quantity or amount G of money stored or taken out by the operator is smaller than the quantity or amount H of processing target currency (G <H in S362), that is, a part of the processing target currency is the first When the drawer 211 of the money management apparatus 200A is put in and out, the calculation unit 225c of the first money management apparatus 200A calculates the amount or quantity of a part of the money stored or taken out from the amount or quantity of the money to be processed. The amount or quantity of the remaining money (remaining money) obtained by subtraction is calculated (S412). The display unit 227 of the first money management apparatus 200A displays the denomination and quantity or amount of the remaining money, and stores or takes out the remaining money in the other drawer 212 of the first money management apparatus 200A. And the drawer 212 is opened (S422).

  After the operator stores or takes out the remaining money from the drawer 212 of the first money management apparatus 200A (S452), the drawer 212 is closed (S462). The calculation unit 225c of the first money management apparatus 200A closely examines the money amount in the drawer 212 via the load cell 261 (S472). At this time, the quantity or amount I of money stored or taken out by the operator is compared with the quantity or amount J of remaining money. As a result, when the quantity or amount I of money stored or taken out by the operator is larger than the quantity or amount J of remaining money (I> J of S472), an error is displayed on the display unit 227 (S482). In this case, the first money management apparatus 200A opens the drawer 212 again or alerts the user with a warning sound. The operator or the administrator stores the money again in the drawer 212 or takes out the money from the drawer 212 again. Then, steps S462 and S472 are executed again.

  When the quantity I or amount of money stored or taken out by the operator is equal to the quantity or amount J of remaining money (I = J of 472), the storage process or the withdrawal process is performed by the drawer 212 of the first money management apparatus 200A. It ends by taking in and out of money at. In this case, even if the second money management apparatus 200B is connected to the first money management apparatus 200A as a slave unit, the operator does not need to put in and out money in the second money management apparatus 200B. . 200 A of 1st money management apparatuses update each money amount of drawers 211 and 212 and the total amount of drawers 211-214 (S512). Then, the first money management device 200A transmits the money amounts in the drawers 211 and 212 and the total money amount in the first money management device 200A to the teller machine 100 (S392). Then, the first money management apparatus 200A ends the storage / removal process. The teller machine 100 receives the updated monetary amount and the total monetary amount from the first money management device 200A, and updates the management device amount 4X based on the amount information (S402). Thereby, the storage / removal processing is completed.

  When the quantity or amount I of money stored or taken out by the operator is smaller than the quantity or amount J of remaining money (I <J in S472), the other drawers 213 and 214 of the first money management apparatus 200A are identical. If the ten thousand yen bill is not stored and the second money management device is not connected to the first money management device 200A as a slave, an error is displayed on the display unit 227 (S482). However, in the extraction process, the operator may intentionally take out less money than the amount or amount of remaining money. Therefore, in the extraction process, an error may be set not to be displayed on the display unit 227 even if the amount or amount I of the extracted money is smaller than the amount or amount J of the remaining money.

  As described above, in the third embodiment, the first money management apparatus 200 </ b> A manages the money amount for each of the drawers 211 to 214, and enables storage or withdrawal of money for each of the drawers 211 to 214. The operator stores or removes a part of the processing object money in any of the drawers 211 to 214 of the first money management apparatus 200A, and then stores or takes out the remaining money in another drawer. At this time, the first money management apparatus 200A automatically calculates and displays the denomination and quantity or amount of the remaining money, and opens the next drawer 212. The operator may store or take out the remaining money from the drawer 212 according to the display of the first money management apparatus 200A. Accordingly, the work load on the operator is reduced.

  When 10,000 yen bills are stored in the other drawers 213 and 214 of the first money management apparatus 200A, or when the second money management apparatus 200B is provided as a slave unit, the first money management The apparatus 200A calculates the second remaining money according to the flow shown in FIG. 13, and the second remaining money 213 or 214 in the first money management apparatus 200A or the second remaining money in the second money management apparatus 200B. What is necessary is just to store or take out money. Therefore, the third embodiment can be combined with the first or second embodiment. Thereby, 3rd Embodiment can also acquire the effect of 1st or 2nd Embodiment. Of course, it is also possible to apply the said modification 1-the modification 3 to 3rd Embodiment. Thereby, 3rd Embodiment can also acquire the effect in any one of the said modification 1-3.

  In the first to third embodiments, the storage / removal process is preferentially executed from the first money management apparatus 200A that is the parent machine, and then the second money management apparatus 200B that is the child machine. Has been executed in. However, the priority order of the storage / removal process may be reversed. That is, the storage / removal process may be preferentially executed in the second money management apparatus 200B that is the child machine, and then executed in the first money management apparatus 200A that is the parent machine.

DESCRIPTION OF SYMBOLS 100 Cash machine 200A-200C Money management apparatus 300, 301 Money management system 11 Banknote processing apparatus P1 Bundled banknote processing part P2 Bulk banknote processing part 12 Bulk coin processing apparatus 13 Packaging coin processing apparatus 14 Outer cash box 15 Control part 15a Display part 15b ID card reader 15c arithmetic unit 15d ROM
15e RAM
15f Flexible disk drive 15g Hard disk drive 16 Keyboard type input unit 18 External printer 19 Communication interface (communication IF)
211-214 Storage drawer 215 Preliminary storage 211m-215m Open / close electromagnetic lock 221-224 Bill storage container 241-243 Coin storage container 261 Load cell 225 Control unit 225d ROM
225e RAM
225g Hard disk drive 225c Operation unit 226 Keyboard type input unit 227 Display unit 228 ID card reader 229 Communication interface (communication IF)

Claims (10)

A first money management device installed in a store of a financial institution and storing money;
One or a plurality of second money management devices that are communicably connected to the first money management device in the store of the financial institution and store money;
A teller machine that is communicably connected so as to take in and out money in cooperation with the first money management device in the store of the financial institution;
The second money management device includes a transmission unit that transmits the amount of money stored in the second money management device to the first money management device,
The first money management device transmits a money amount stored in the first money management device and a money amount stored in the second money management device to the teller machine. Part
The money management system comprising a storage unit that stores the total amount of money stored in the first and second money management devices. The storage unit of the teller machine further stores the individual stock amounts of the first and second money management devices together with the total stock amount,
2. The money according to claim 1, further comprising a display unit that displays each of the first and second money management devices together with the total cash amount. Management system. The first money management device includes:
When a part of the processing object money to be taken in and out in the first and second money management devices is taken in and out in one of the first and second money management devices, A calculation unit for calculating the amount or quantity of the remaining money obtained by subtracting the amount or quantity from the amount or quantity of the processing target currency;
The money management system according to claim 1, further comprising a display unit that displays an amount or quantity of the remaining money.   The money management system according to claim 3, wherein the display unit displays the remaining money so as to be taken in and out of the other of the first and second money management devices. When the amount of one of the first and second money management devices stored in the storage unit is less than the amount or quantity of the money to be put in and out, the calculation unit is put in and out Calculating the amount or quantity of insufficient money obtained by subtracting the amount of money of the one money management device from the amount or quantity of money;
The display unit displays, in the other money management device of the first and second money management devices, so as to put in and out money equal to or more than the amount or quantity of the shortage money. The money management system according to claim 4. A first money management device installed in a store of a financial institution and storing money;
One or a plurality of second money management devices that are communicably connected to the first money management device and store money;
The second money management device includes a transmission unit that transmits the amount of money stored in the second money management device to the first money management device,
The first money management device has a total cash amount obtained by adding the amount of money stored in the first money management device and the amount of money stored in the second money management device. A money management system comprising a storage unit for storing. The storage unit of the first money management device stores the individual stock amounts of the first and second money management devices together with the total stock amount,
The said 1st money management apparatus is provided with the display part which displays each stock amount of each of the said 1st and said 2nd money management apparatus with the said total stock amount, It is characterized by the above-mentioned. The money management system described. The first money management device includes:
An input unit for inputting an amount or quantity of money to be taken in and out in the first and second money management devices;
When a part of the money to be withdrawn / withdrawn is withdrawn / withdrawn in one of the first or the second money management device, the amount or quantity of the part of money is calculated from the amount or quantity of the money to be withdrawn / withdrawn. A calculation unit for calculating the amount or quantity of the remaining money obtained by subtraction,
The money management system according to claim 6, further comprising a display unit that displays an amount or quantity of the remaining money.   9. The money management system according to claim 8, wherein the display unit displays the remaining money so as to be taken in and out of the other of the first and second money management devices. When the amount of one of the first and second money management devices stored in the storage unit is less than the amount or quantity of the money to be put in and out, the calculation unit is put in and out Calculating the amount or quantity of insufficient money obtained by subtracting the amount of money of the one money management device from the amount or quantity of money;
The said display part is displayed on the other money management apparatus of the said 1st and said 2nd money management apparatus so that money more than the money amount or quantity of the said deficient money may be taken in or out. Item 11. The money management system according to any one of Items 9 to 9.

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