JP2017097866A - Cash management system and cash management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cash management system and a cash management method that can substantially make fund operation efficient and make labor of workers reduced at a store and a cash collection and delivery company.SOLUTION: A cash management system comprises: a cash processing machine 11 that is installed in each store 1, performs a money receiving process and a money disbursing process of cash, and transmits money receiving and disbursing data and balance data; a store data management device 12 that receives the money receiving and disbursing data and balance data and tallies cash data in the store 1; a cash collection and delivery company server 21 that is installed in a cash collection and delivery company 2, and gives change creation instructions to a store where the store data management device 12 is installed, and sales proceeds transfer instructions to a bank account of the store; and a cloud server 31 that communicates data with the store data management device 12 and the cash collection and delivery company server 21.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a store in an operating company that develops a large number of sales offices such as a convenience store, a supermarket, a drug store, and a gas station, and a cash collection and delivery company that collects the sales proceeds of the store entrusted by the operating company. The present invention relates to a cash management system for managing cash such as money and change and a cash management method thereof.

  In recent years, cash registers installed in convenience stores, supermarkets, drug stores, gas stations, etc. are connected to a host device such as a point-of-sale (POS) system, and the received banknotes and coins are used as change. A change machine including a bill processing device and a coin processing device that can be reused has been introduced.

  Further, by using a depositing machine installed in such a depositing / dispensing room or the like of such a store, the cash as the sales proceeds is processed by the depositing machine at each store, and the deposit data is transmitted to the cash collection and delivery company. And in the cash collection and delivery company, while collecting the cash stored in the deposit machine, based on the received payment data, remittance processing from the bank account of the cash collection and delivery company to the bank account of each store, Sales proceeds collection systems have been developed and used (see, for example, Patent Documents 1 and 2).

Japanese Patent No. 3542051 Japanese Patent No. 4452109

  However, in the conventional sales collection system, the banknotes once stored in the depositing machine are stored in a cassette and determined as sales at each store. Then, based on the confirmed data, the cash collection and delivery company changes the funds and transfers the sales money to the bank account of each store, so that the banknotes stored in the deposit machine cannot be used again. Therefore, the change funds for the next day at each store had to be prepared separately from the sales proceeds, and cash could not be used efficiently.

  In addition, since the next day's change reserve cannot be prepared unless a delivery request is made from each store to the cash collection and delivery company at least three days before delivery to each store, an appropriate amount of reserve is secured in real time. I couldn't. Therefore, in each store, in order to prevent a shortage of change, extra changes have to be prepared more than necessary, and the amount of funds required for the store has become large, which has put pressure on store management. On the other hand, the cash collection and delivery company also has a problem in that it takes a lot of man-hours for preparation for the delivery of change and a close examination of the collected cash, and the amount of transport increases, resulting in a cost increase.

  Further, in the store, when surplus coins are generated, it is necessary to divide the surplus coins and deposit them into the depositing machine one by one, which makes it troublesome to process surplus coins. In the cash collection and delivery company, since the coins to be collected are heavy and cannot be processed by women such as scrutinizing the collected coins, there is a problem that workers are limited to men.

  Furthermore, if a cash collector / distributor has a large amount of money to be collected / delivered, the investment required for equipment such as equipment necessary for cash processing becomes excessive. In addition, as the amount of sales to be collected increases, the remittance is repatriated to each store, so the interest rate risk is greater, which also contributes to pressure on the cash management of cash collection and delivery companies.

  In addition, when a natural disaster or the like occurs and the collection and delivery vehicle cannot be operated, change funds cannot be delivered to each store, which may cause troubles in the operation of the store.

Recently, many foreigners visit Japan and use stores such as convenience stores, supermarkets, drug stores, and gas stations.
Since foreign currency cannot be processed, foreigners have to exchange foreign currency into yen at banks, currency exchanges, etc., which is cumbersome and inconvenient.
Even if the foreign currency is exchanged at the store, the exchange rate when the foreign currency is exchanged at the store is different from the exchange rate when the cash collection and delivery company brings the foreign currency to the bank or currency exchange agent, etc. May be detrimental.

The present invention has been made in view of various problems in the conventional sales collection system, and by efficiently operating money, it is possible to improve the efficiency of funds management in stores and cash collection and delivery companies, It is an object to provide a cash management system and a cash management method that can greatly reduce the labor of a person.

Another object of the present invention is to provide a cash management system and a cash management method in which foreign currency can be used directly at a store such as a convenience store, and it is very convenient for foreigners to purchase goods at those stores. To do.

In order to achieve the above object, the cash management system of the present invention provides:
Installed in each store, executes cash deposit and withdrawal processing, sends cash deposit and withdrawal data and deposit amount data, receives the deposit and withdrawal data and deposit amount data, and stores in the store Store data management device that aggregates cash data of
A cash collection / delivery server that is installed in a cash collection / delivery company and executes a change creation instruction to the store where the store data management device is installed and a sales transfer instruction to the bank account of the store;
A cloud server that centrally manages data between the store data management device and the cash collection and delivery server, and transmits and receives the data;
A cash management system comprising:
The cash collection and delivery company does not collect surplus money delivered as change reserves to the store, only delivers the shortage of change reserves, and the store uses the surplus money as change reserves for the next day. It is what.

Here, the store data management device has a function of calculating and processing so as to keep the amount of change reserves in the store constant and requesting the cash collection and delivery company to deliver only the shortage of money. It is characterized by that.

  Further, the store data management device is characterized in that it can calculate the number of money for each denomination of an insufficient change reserve and an excess change reserve.

Further, the store data management device may calculate and manage the shortage change reserve instead of the excess change reserve.

The store data management device calculates and indicates cash used as change reserves to be distributed next time among the collected cash.

Further, the store data management device calculates and processes an excess and a deficit change reserve amount in accordance with the timing of the distribution of the cash reserve of the cash collection and delivery company and the collection of the sales proceeds. And

Here, it is preferable to calculate the amount of change reserve for the excess and deficiency of the store data management device based on the amount at the time of closing immediately before registration after registering the amount of change of change reserve.

The calculation of the change amount of money of the store data management device is based on the total amount of money that can be used as change in the store including the changed change reserve for the registered change amount of payment change. The amount of surplus change is calculated by subtracting the change amount from the total amount, and the amount obtained by subtracting the amount of change from the change amount is calculated as the change reserve to be distributed next time. And

The change reserves to be distributed next time are calculated by summing up the number of change shortages for each denomination from the set change amount for the change, and the sum of those changes. It is characterized by being.

In addition, the store data management device can issue a deposit / withdrawal instruction for the cash processing machine, and the store data management device calculates the excess amount of denominations to be returned and the denomination to be remittance to the bank. It is characterized in that it can issue a withdrawal instruction for the number of sheets and a withdrawal instruction for the number of sheets to be replenished.

In addition, the denomination that can be used as change from the sales proceeds of the store will be diverted and used as change reserve for the next day, and the diverted sales will be withdrawn from the store deposit and combined with the reduced sales amount. It is characterized by transferring money to the bank account of the store.

The cloud server manages deposit fluctuations.

In addition, the cash management system may be capable of accepting foreign currency with the cash processing machine, receiving a foreign currency exchange rate, and collecting and managing by currency or rate.

And the foreign currency received with the said cash processing machine may be converted into yen at the said exchange rate, and change may be withdrawn with the change machine linked with POS which is another cash processing machine.

The cloud server aggregates the foreign currency amount for every currency of all stores on the day, provides the aggregated amount for viewing by a plurality of money changers, tentatively confirms the transaction with the money exchange agent with the lowest commission, It is preferable to confirm the foreign currency transaction at the exchange rate of the day.

Furthermore, the cash management method of the present invention uses the cash management system,
Receiving a change reserve from a cash collector and registering the change reserve with the cash management system;
Calculating the change reserve to be distributed next time upon registration and notifying the cash collection and delivery company of the change reserve to be distributed next time;
The store is stored in a cash machine, and a step of confirming the status of cash accumulated by the store data management device;
The store refills the change machine with money;
Sending the sales data to the cash collection and delivery company;
Based on your sales data, transfer the sales to your bank account,
A cash collection and delivery company collecting cash;
Creating a change reserve based on the notified change request amount to be distributed next time;
It is characterized by having.

In addition, a denomination that can be used as change is diverted from the sales proceeds of the store and used as change reserve for the next day. The diverted sales are withdrawn from the store deposit and combined with the reduced sales. There may be a step of transferring to the bank account.

Furthermore, in order to allow the foreign currency to be accepted by the cash processing machine, the method may include a step of receiving a foreign currency exchange rate and managing each currency.

  According to the cash management system and the cash management method of the present invention, since money can be efficiently operated, the efficiency of funds management in stores and cash collection and delivery companies is greatly improved, and the labor of workers is greatly reduced. be able to.

In addition, according to the cash management system and the cash management method of the present invention, foreign currency can be used directly at a store such as a convenience store, so it is very convenient for foreigners to purchase goods at those stores.

It is a conceptual diagram of the cash management system of this invention. It is a conceptual diagram of the cash management system of this invention. It is a schematic block diagram of the cash management system of this invention. It is a detailed block diagram of the cash management system of this invention. It is explanatory drawing which shows the procedure in the cash management method of this invention. It is explanatory drawing of the conventional sales money collection method. It is the figure which displayed the closing screen in the conventional store data management apparatus. It is explanatory drawing of the cash management method of this invention. It is the figure which displayed the closing screen in the store data management apparatus of this invention. It is explanatory drawing of the cash management method of this invention. It is the figure which displayed the closing screen in the store data management apparatus of this invention. It is explanatory drawing of the cash management method of this invention. It is the figure which displayed the closing screen in the store data management apparatus of this invention. It is the figure which displayed the change request screen in the store data management apparatus of this invention.

  Preferred embodiments of the cash management system of the present invention will be described in detail below with reference to the drawings.

As shown in FIG. 1, the cash management system of the present invention is installed in each store 1, executes cash deposit processing and withdrawal processing, and transmits cash withdrawal data and cash balance data 11. The store data management device 12 that receives the deposit / withdrawal data and the cash balance data and totals the cash data in the store, and the store 1 that is installed in the cash collection and delivery company 2 and in which the store data management device 12 is installed A cash collection / delivery server 21 that executes a change creation instruction to the store and a sales transfer instruction to the bank account of the store, and a cloud server 31 that transmits / receives data between the store data management device 12 and the cash collection / delivery server 21 It is composed of.
Here, the deposit / withdrawal data is the deposited data and the withdrawn data. However, the accumulated deposit / withdrawal data may be transmitted / received. In this case, the deposit accumulation data and withdrawal accumulation data are managed in the store data management device 12.
And according to these deposit / withdrawal accumulation data, even if data communication is interrupted in the middle and some data is lost, deposit / withdrawal data can be determined by calculating the difference.
In the following, the amount includes the number of banknotes or coins for each denomination that constitutes the amount.

As shown in FIG. 3, the cash handling machine 11 includes a deposit / withdrawal machine 13, a bar management machine 14, and a change machine 15.
Note that the cash processing machine 11 shown in FIG. 3 is an example, and the present invention is not limited to this, and various configurations can be adopted according to the operation method and scale of the store 1.

As shown in FIG. 3, the deposit / withdrawal machine 13 is installed in the store 1 and is used in combination with a bar management machine 14, a change machine 15, and a safe 16.
The depositing / withdrawing machine 13 is used as a device for depositing sales and dispensing changes, and notifies the store data management device 12 of money deposit, withdrawal, and hold information via a communication line, and stores 1 It is operated as a device that replenishes, collects, and transfers funds.

If the structure of the depositing / withdrawing machine 13 is demonstrated, as shown in FIG. 4, the depositing / withdrawing machine 13 is the 1st process part 131 which performs the process and storage of a banknote, the 2nd process part 132, processing operation | movement and withdrawal. The operation unit 133 for inputting information such as the amount of money, the operation of the device is controlled by the operation unit 133 and sensor information, and the control unit 134 for creating and managing processed data, and the data is transmitted to the outside, Or the communication means 135 which receives the command from the outside, and the cassette 136 which collects sales money etc. are provided.

As shown in FIG. 3, the bar management machine 14 includes a store management computer 12 connected to a coin processing device such as a change machine 15 and a deposit / withdrawal machine 13 installed in the store 1 and a banknote processing device via a communication line. Share information and manage store 1 funds.

As shown in FIG. 4, the bar metal management machine 14 withdraws or deposits bar metal, and further stores first to sixth bar metal processing units 141 that store and manage the bar metal, and deposit and withdraw. Control for inputting and displaying processing information such as withdrawal amount (withdrawal quantity) and controlling the operation of the apparatus by the operation unit 142 and the operation unit 142 and sensor information, and creating and managing processed data And a communication unit 144 that transmits the data to the outside or receives a command from the outside.

As shown in FIG. 3, the change machine 15 is installed in the store 1 and used in a state of being linked to the POS.
The change machine 15 is used as a deposit / withdrawal machine that can store the money received from the customer and withdraw as change, and the amount of change of the change machine 15 is transmitted to the store data management device 12 and managed. The

If it demonstrates about the structure of the change machine 15, as shown in FIG. 4, the banknote process part 151 which processes a banknote, the coin process part 152 which processes a coin, the operation part 153 which inputs the information of a process operation, and operation A control unit 154 for controlling the operation of the apparatus according to the unit 153 and sensor information, creating and managing processed data, and a communication unit 155 for transmitting the data to the outside or receiving a command from the outside And a cassette 156 for collecting sales proceeds and the like.

As shown in FIG. 3, the store data management device 12 is used in a state of being interlocked with the cash processor 11 of the store 1.
Then, the store data management device 12 linked with the cash processing machine 11 collects the amount data from the cash processing machine 11 and transmits the totaling result and the calculation result to the cloud server 31.

As shown in FIG. 4, the store data management device 12 controls the operation unit 121 for inputting information on the processing operation, the amount information collection of the operation unit 121 and the cash processor 11, and further processes the collected data. A control unit 122, a communication unit 123 that transmits and receives the data to and from the outside, a display unit 124 that displays operation and processing data, and a memory 125 that stores the processed data.
Furthermore, the store data management device 12 may include a card reader that accepts a user-owned card such as a credit card or a function that limits the operator.

  As shown in FIG. 3, the cash collection / delivery server 21 is installed in the cash collection / delivery company 2, and receives instructions for making changes to the store 1 where the store data management device 12 is installed and instructions for transferring money to the bank account of the store. Execute.

As shown in FIG. 4, the cash collection / delivery server 21 performs a data processing unit 211 that processes collected data, a communication unit 212 that transmits / receives the data to / from the outside, and processing commands for communication, data processing, and data storage. A control unit 213 and a data storage unit 214 that stores processed data are provided.

The cloud server 31 is used in a state of being linked to the store data management device 12 of the store 1, the operating company server 41 of the operating company (store headquarters) 4, and the cash collection / delivery server 21.
The cloud server 31 aggregates data transmitted from the store data management device 12 and manages it centrally, and is used as a basis for data transmitted to the operating company (store headquarters) 4 and the cash collection and delivery company 2.
Further, at the time of foreign currency reception operation, it is possible to receive a foreign currency exchange rate in cooperation with a financial institution such as a bank or the money exchange business 5.
And the foreign currency collected from each store 1 is totaled according to the currency and the exchange rate, and financial institutions such as a plurality of affiliated banks and the money changer 5 can browse the totaled result every day via the Internet. Yes.

As shown in FIG. 4, the cloud server 31 includes a data processing unit 311 that processes collected data, a communication unit 312 that transmits / receives the data to / from the outside, and a control unit that performs processing instructions for communication, data processing, and data storage 313, and a data storage unit 314 that stores the processed data.

  Next, the cash management method of the present invention implemented by the cash management system of the present invention will be described in detail below with reference to the flowchart of FIG.

Step 1. Receive change reserves from a cash collector.

[When there is a deposit / withdrawal machine / bar metal management machine]
If the store manager of the store 1 deposits the change reserve into the depositing / dispensing machine 13 and the bar management machine 14, the cash processing machine 11 counts and stores the money in the respective storage units 131, 132, 141 and the store. Data is notified to the data management device 12.
Then, the store data management device 12 updates and saves the data. The deposit at this time is deposited as a change registration deposit, and the deposit items are distinguished.
Note that the cash collection / delivery company itself may deposit the change reserve into the deposit / withdrawal machine 13 and the bar management machine 14 instead of the store manager.

[If there is no deposit / withdrawal machine, or there is money that cannot be entered into the deposit / withdrawal machine or bar management machine]
The store manager of the store 1 confirms the received change reserve and registers the change reserve in the store data management device 12. At this time, “change change” is selected from the operation menu of the store data management device 12, and the “storage” button is pressed. As a result, a change reserve is registered in the store data management device 12.
At this time, as the change reserve, the amount for which the change reserve was requested at the time of the previous distribution is displayed and registered. In addition, the registration is registered in the safe deposit.
In addition, the money that does not fit in the cash processing machine 11 (the amount obtained by subtracting the amount of money required for the change reserve from the cash processing machine) is registered at the same time as the deposit of the cash processing machine 11 is confirmed. Is done.

Step 2. Request the cash amount for the next change reserve.

When the store data management device 12 executes the registration, a change request screen is displayed as shown in FIG.
In this change request screen, the type of money is displayed in the “Denomination” field (banknotes from 10000 yen to 1000 yen, coins from 500 yen to 1 yen), The total amount of money that can be used as change in the store 1 including the distributed change reserve (distributed fixed amount) is displayed, and the change reserve (distributed fixed amount) is displayed in the “Change Change” column. Is done.
Further, in the “insufficient number” column, a calculated value (shortage number and surplus number) obtained by subtracting the total amount of change from twice the fixed amount of change is displayed for each denomination. In the “change amount requested” column, change reserves to be distributed next time are displayed based on the shortage.

That is, the store data management device 12 totals the total amount of money that can be used as change in the store 1 including the distributed change reserve with respect to the registered change amount of the change distribution, The amount of surplus change is calculated by subtracting the fixed amount of change from high, and the amount of subtracting the amount of surplus change from the fixed amount of change is calculated as the change reserve to be distributed next time.
Here, the amount of cash at the store where the next distribution amount will be calculated is the amount of the cash reserve that will be distributed the next time based on this as the amount of money at the store at the time of the previous closing at the time of registration so that sales are not included. It is preferable to calculate the amount.
When automatically calculating by the store data management device 12, the change reserve (dispensation request amount) to be distributed next time is calculated by summing the number of change shortage for each denomination from the set amount of change distribution, Although it is equivalent to the sum of these, coins are calculated and requested in bar metal units (50).

If it is calculated automatically at the timing of such distribution, the store manager of the store 1 can determine the distribution amount of the next change reserve without calculating the predicted value.
In addition, in order to determine the amount of cash to be distributed next time according to the store's cash inventory, the store's cash inventory is kept constant, and the cash processing of the cash collection / delivery company 2 and the store 1 is made more efficient without moving excess change. can do.
In addition, although it described that the amount of money to distribute was calculated from all the amount of money in a store, you may calculate with respect to the fixed amount of money set to each of the bar management machine 14 or the deposit / withdrawal machine 13, for example.

Then, when the “complete” button is pressed on the change request screen of the store data management device 12, the next-time distribution amount data is transmitted to the cash collection / delivery server 21 via the cloud server 31.
The cash collection / delivery company 2 creates the next change reserve based on the transmitted next-time distribution amount data.

The change amount of change can be changed until the designated date of distribution, and a change change request can be transmitted from the store data management device 12. It is preferable that the number of grace days in which the change request amount can be changed can be set as appropriate.
Further, if the next distribution amount is not requested by the grace date, a predetermined distribution amount may be requested in the store data management device 12, or when closing after the distribution date has passed. It may be calculated to automatically request a fixed amount of money distribution.
When the bar management machine 14 is installed, the amount of the bar management machine 14 is constantly monitored by the store data management device 12 and reaches a predetermined preset height. The state may be detected, and the shortage of the high fixed amount with the bar may be individually notified as a coin change request.

In the change request screen, the amount of money and the number of denominations that are excessive with respect to the fixed amount of change reserve are also displayed. This excess change is deposited into the cash processor 11 and collected by the cash collection and delivery company 2. Then, the collected excess change is appropriately exchanged and used for the next distribution.
For this reason, the excess change is controlled so as to be managed separately from the sales. Then, the managed excess change is totaled and managed by the cloud server 31 as a deposit from the store.

Step 3. Check the surplus situation.

If “browsing amount” is selected from the operation menu of the store data management device 12, the current state and amount of each cash processing machine 11 are displayed in real time on the display screen.
Here, the store data management device 12 receives the device status (full, empty, error, etc.), surplus data, supplement data (or supplement cumulative data), collection data (or collection) from the cash processor 11 at regular time intervals. (Cumulative data) is collected and managed.

Step 4. Add money to the change machine.

Money is taken out from the deposit / withdrawal machine 13, the bar management machine 14, and the safe 16. At this time, the change machine 15 is set to the replenishment mode to replenish money. Thereby, the change machine 15 counts the replenishment amount and transmits it to the store data management device 12.
The store data management device 12 also manages the number of change amounts used on the day via the change machine 15.

[When there is no deposit / withdrawal machine and bar management machine]
The store data management device 12 subtracts the replenishment amount from the amount of the safe 16 in which the distribution change is registered. In this way, management of the safe 16 is saved.

[When there is a deposit / withdrawal machine and a bar management machine]
Withdraw money from the deposit / withdrawal machine 13 and the bar management machine 14. As a result, the deposit / withdrawal machine 13 and the bar management machine 14 transmit the withdrawal count result to the store data management device 12.
Next, the change machine 15 is set to the replenishment mode to replenish money. As a result, the change machine 15 counts the replenishment amount and transmits the count result to the store data management device 12.
On the other hand, the store data management device 12 updates the deposit amount by the transmission data from the cash processing machine 11, and checks and manages the withdrawal amount and the supplementary amount.

Step 5. Deposit sales.

The sales proceeds are collected from the change machine 15 and deposited into the deposit / withdrawal machine 13. At this time, the depositing / dispensing machine 13 is placed in the depositing mode, and depositing into the cassette 136 that the cash collection and delivery company 2 takes home is performed.
As a result, the deposit data is transmitted to the store data management device 12, and the deposit data is aggregated as the amount of bank deposit of today.
At this time, the sales collected from the change machine 15 may be held in the first processing unit 131 or the second processing unit 132 of the depositing / dispensing machine 13, and the necessary amount may be deposited into the cassette 136 at the time of closing, which will be described later.
Further, the excessive change may be deposited, and the excessive change amount used as the deposited change reserve may be automatically subtracted from the bank deposit amount.
Further, the deposit data collected as the bank deposit amount of the day mentioned above may be an amount obtained by subtracting the change request amount from the sales amount deposited into the deposit / withdrawal machine 13.
In this way, the cash demand at the time of the next collection and loading (collection of sales money deposited by the store to the depositing and dispensing machine and distribution of change request money) includes the change request amount in the collected cash. Therefore, it becomes barter, and the store 1 does not need to deposit the change request amount with the cash collection and delivery company 2, and the store can reduce funds.
At this time, the receipt data of the sales amount transmitted from the store data management device 12 to the cloud server 31 includes the amount to be transferred to the bank (the amount obtained by subtracting the amount of change demand from the amount of money received), the amount of change requested and the amount of payment received. The amount is sent.

Step 6. Tighten.

If “Tighten” is selected from the operation menu of the store data management device 12, the amount of money, the total amount, and the total amount for each cash processing machine 11 of the current cash inventory are displayed.
As a result, today's bank deposit amount is confirmed, and when “Done” is pressed on the closing screen of the store data management device 12, the bank deposit amount of sales for today from the store data management device 12 to the cloud server 31 is used as the closing data. Sent.
The cloud server 31 calculates and calculates the deposit data for each transaction, performs a check against the transmitted data amount, and transmits it to the cash collection / delivery server 21.
As a result, the cash collection / delivery server 21 deposits the store account on the same day based on the data.

Step 6-1.

At this time, if the denomination of the change amount registered in the store data management device 12 can be covered by the sales amount, or if the amount exceeding the change amount is requested, the store must be diverted to the change reserve. It may be left and operated.
In that case, the amount used for change will not be deposited into the cassette 136, and the amount deposited into the bank will be reduced by that amount, but that amount will be withdrawn from the deposit from the store 1 and added to the amount deposited into the bank by the cassette 136. Then, full payment is made to the store 1 account as today's sales.

In this way, the movement of cash can be minimized and an excessive change reserve can be eliminated. As a result, the store 1 can reduce funds, further reduce excessive cash management and processing, and use the funds of the store 1 in real time.
Moreover, since the cash collection and delivery company 2 can reduce the cash to move, it can reduce the transportation cost, the number of scrutiny, the assets involved in the scrutiny, and the labor cost. Furthermore, it is not necessary to inconvenience the store even when money cannot be distributed due to a natural disaster or the like. In addition, the interest rate is reduced because the amount to be repaid is reduced.

Step 6-2.

[Operation from the start of distribution day]

In the operation of change reserve from the next distribution to the next distribution, if you make a full payment of daily sales, you will also receive a low-priced fund such as 1,000 yen that can be used the next day. There is a problem in that when it is necessary to operate with a change of one week with money, it is necessary to prepare a large amount of change in consideration of a change of one week ahead.

The store data management device 12 is devised so that the sales proceeds from the distribution to the next distribution can be totaled and the change can be efficiently operated.
For example, at the time of daily closing, a ten thousand ticket that is not used as change is deposited into the cassette 136 and the daily sales are registered in the store data management device 12. The registration may be made by manually inputting the sales amount based on the POS data, or automatically by inputting the sales amount calculated by the store data management device 12 (the amount obtained by subtracting the current amount from the balance at the time of the previous closing). Also good.
When the store data management device 12 performs a totaling operation at the time of closing the day before the distribution date, the total of the daily sales from the previous total to the current total and the sales deposited in the cassette 136 are totaled. The
Furthermore, the store data management device 12 calculates the amount of sales shortage to the cassette 136 based on the aggregated data. Therefore, the worker only has to deposit an amount equal to or greater than the sales shortage amount into the cassette 136.

If the amount of deposit exceeds the amount of sales shortage, it will be registered as cash to be used as change reserve, and the cash to be used as change reserve will not be credited to the bank and will be ready for the next change. Used for money.
If the deposit amount is less than the sales amount, the difference is notified from the sales amount as the amount used as change reserve, withdrawn from the deposit, and deposited with the collected amount to the bank.
In this way, if it is operated based on the distribution date, there is no worry of running out of change for one week, and excessively prepared change reserve can be reduced.
The above-mentioned distribution date is registered in the cloud server 31 by a notification from the cash collection / delivery company 2 and downloaded to the store data management device 12. The distribution date is used as the starting point for change requests, change change requests, and final scrutiny of sales.

In the present embodiment, the case where the change request and the notification of the sales are made every week or at the time of collecting the distribution has been described. However, the present invention is not limited to this. You may go.
Further, the store data management device 12 can also manage the history of operations described above. It is possible to store the deposit / withdrawal amount and number, time, operator, etc. for each operation, and by tracing their history in the event of a trouble, the trouble can be identified and dealt with strictly.

Step 7. Collect.
When the collection card of the cash collection / delivery company 2 is inserted into the store data management device 12, the collection mode is entered, and the cash collection / delivery company 2 can collect the cash from the deposit / withdrawal machine 13.
When the “collection completion” button of the store data management device 12 is pressed, the collection operation is completed, and the monetary data stored in the cassette 136 is transmitted to the cash collection / delivery server 21 via the cloud server 31.
The cash collection / delivery company 2 examines and collates the money in the cassette 136 brought back based on the money data.

Step 8. Foreign currency reception operation

The currency exchange rate received by the cloud server 31 is transmitted to the store data management device 12 via the communication line. The store data management device 12 stores the exchange rate in a memory.
When the user pays a foreign currency when purchasing the article, the cashier puts the received foreign currency into the depositing / dispensing machine 13. The depositing / dispensing machine 13 receives and identifies the foreign currency, and transmits the currency as the identification result to the store data management device 12.
As a result, the store data management device 12 calls the exchange rate data in the memory and performs yen conversion. Then, the result of yen conversion is transmitted to the change machine 15. The change machine 15 notifies the POS of the amount received in the same way as when receiving the Japanese yen, and withdraws change based on a withdrawal instruction from the POS.
In this way, if data from the outside is input to the POS from the store data management device 12 via the change machine 15, a device with a different operation can be easily connected without changing the POS. Can be operated.
For example, card processing can be performed as a card payment terminal connected to the POS using the card reader of the store data management device 12.

If it does in this way, a foreign currency can be used in the store 1, and a customer can do shopping without exchanging it into a yen purposely, and convenience improves. In addition, the store 1 can obtain a profit by selling the exchange rate with an additional fee.
Here, the currency identification determination program may be installed in the deposit / withdrawal machine 13 or the store data management device 12.

  Next, an embodiment in which the cash management method of the present invention is implemented by the cash management system of the present invention will be described in comparison with a conventional example in which the cash management method is implemented by a conventional sales collection system.

[Conventional example 1]
6 and 7 show a cash management method using a conventional sales collection system. In this cash management method, the cash collection and delivery company 2 collects all the money stored in the cash processor 11 of the store 1 and newly delivers a predetermined amount of change reserve.

That is, as shown in FIG. 6, in the store 1, coins of the change reserve (Bo + Co) decrease but banknotes increase. However, at the time of closing, the money stored in the cash processing machine 11 is the sum of sales (Ao) and change reserve (Bo + Co).
Then, the cash collection / delivery company 2 collects all the sales proceeds (Ao) and change reserves (Bo + Co) from the cash processor 11 of the store 1, and newly delivers a predetermined amount of change reserves (Bo + Co).
Therefore, the sales amount (Ao) of the store 1 is obtained by subtracting the change reserve (Bo + Co) from the total collection amount (Ao + Bo + Co), and the cash collection / delivery company 2 stores the sales amount (Ao) in the bank account of the store 1 Send money.

  As described above, according to the cash management method using the conventional sales collection system, the change funds for the next day at each store 1 must be prepared separately from the sales, and for the store 1 and the cash collection and delivery company 2 as well. Can't manage cash efficiently. Moreover, there are many advance payments which the cash collection / delivery company 2 remits to each store 1, and it becomes a factor which presses the cash management of the cash collection / delivery company 2.

[Example 1]
8 and 9 show an embodiment of the cash management method by the cash management system of the present invention. In this cash management method, the cash collection / delivery company 2 collects all banknotes stored in the cash processor 11 of the store 1, but does not collect coins.

That is, as shown in FIG. 8, in the store 1, the coins of the change reserve (Bo + Co) decrease, but the banknotes increase (for example, 1000 yen banknotes and 10,000 yen banknotes increase). Here, at the time of closing, the money stored in the cash processor 11 is the sum of the sales proceeds (Ao) and the change reserve (Bo + Co), but the surplus coins (CR) remain. doing.
Therefore, the cash collection / delivery company 2 collects all banknotes (Ao + Bo + BG) out of the sales proceeds (Ao) and change reserves (Bo + Co) from the cash processing machine 11 of the store 1, but surplus coins (CR) are collected. Do not collect. On the other hand, a banknote change reserve (Bo) of a predetermined amount and a coin change reserve (CS) of insufficient coins are newly delivered. Then, in the store 1, surplus coins (CR) are managed as they are in the cash processor 1, and appropriated as change reserves for the next day.
Therefore, the sales proceeds (Ao) of the store 1 are obtained by subtracting the banknote change reserve (Bo) and the banknote increase (BG) from the collection amount (Ao + Bo + BG) of all banknotes. The proceeds (Ao) are transferred to the bank account of the store 1.

As described above, according to the cash management method of the present invention, the advance payment relating to the change reserve of the cash collection and delivery company 2 is reduced, and the fund management is not squeezed. Moreover, the change reserve of each store 1 also decreases, and management of the store 1 is not squeezed. Also, there is no inconvenience in processing surplus coins. In the cash collection and delivery company 2, the weight of the money to be collected becomes lighter and can be processed even by women.
Further, the store manager or the like of the store 1 can manage the cash in real time by confirming the total data or the like of the store data management device 12. In addition, the operating company (store headquarters) 4 can easily monitor the daily cash transition of each store 1.

[Example 2]
10 and 11 show another embodiment of the cash management method by the cash management system of the present invention. In this cash management method, the cash collection / delivery company 2 collects banknotes corresponding to sales from banknotes stored in the cash processing machine 11 of the store 1, but does not collect banknotes and surplus coins used as change reserves. .

That is, as illustrated in FIG. 10, in the store 1, coins decrease in the change reserve (Bo + Co), but banknotes increase (for example, 1000 yen banknotes and 10,000 yen banknotes increase). Moreover, among the change fund (Bo) of banknotes, 5,000 yen banknotes decrease, but 10,000 yen banknotes and 1000 yen banknotes increase. Here, at the time of closing, the money stored in the cash processor 11 is the sum of the sales proceeds (Ao) and the change reserve (Bo + Co), but the surplus coins (CR) remain. doing. Moreover, after replacing the thousand yen bill and the five thousand yen bill that can be used as change in the bill change reserve (Bo) with the thousand yen bill, it is appropriated as the bill change reserve (Bo) for the next day. .
Accordingly, the cash collection / delivery company 2 collects banknotes corresponding to the sales proceeds (Ao) from the cash processing machine 11 of the store 1, but collects banknotes (Bo) and surplus coins (CR) to be used for change reserves. do not do. On the other hand, only the change reserve (CS) of insufficient coins is delivered. In the store 1, banknotes (Bo) and surplus coins (CR) to be allocated to the change reserve are managed as they are in the cash processor 1, and are allocated as the change reserve for the next day.
Therefore, the sales proceeds (Ao) of the store 1 are obtained by subtracting the banknote change reserve (Bo) and the banknote increase (BG) from the collection amount (Ao + Bo + BG) of all banknotes. The proceeds (Ao) are transferred to the bank account of the store 1.

As described above, according to the cash management method of the present invention, the advance payment related to the change reserve of the cash collection and delivery company 2 is further reduced, and the fund management is not squeezed. In addition, the change reserve of each store 1 is further reduced, and the management of the store 1 is not under pressure. Also, there is no inconvenience in processing surplus coins. In the cash collection / delivery company 2, the weight of the money to be collected becomes even lighter and can be processed even by women.
Further, the store manager or the like of the store 1 can manage the cash in real time by confirming the total data or the like of the store data management device 12. In addition, the operating company (store headquarters) 4 can easily monitor the daily cash transition of each store 1.

[Example 3]
12 and 13 show another embodiment of the cash management method by the cash management system of the present invention. In this cash management method, the cash collection / delivery company 2 collects the banknotes stored in the cash processing machine 11 of the store 1 with the change of the diversion amount from the sales proceeds. Coins are not collected. Further, the portion of the change that is used for the change is replenished from the deposit at the store 1, and the sum of the collected amount and the replenishment amount is transferred to the bank account of the store 1.

Normally, as shown in FIG. 10, in the store 1, coins decrease in change reserve (Bo + Co), but banknotes increase. In addition, among the banknote change reserve (Bo), 5,000-yen banknotes decrease, but 10,000-yen banknotes and thousand-yen banknotes increase. Here, at the time of closing, the money stored in the cash processor 11 is the sum of the sales proceeds (Ao) and the change reserve (Bo + Co), but the surplus coins (CR) remain. doing. Moreover, after replacing the thousand yen bill and the 5,000 yen bill that can be used as change in the bill change reserve (Bo) with a thousand yen bill, it is appropriated as the change reserve (Bo) for the next day's bill.
However, in the store 1, there is a possibility that a banknote shortage of the change reserve (Bo + Co) may occur, and in this embodiment, when such a situation occurs, The predetermined amount (A2) from (Ao) is used as the change fund for the next day's banknote.
Accordingly, the cash collection / delivery company 2 collects the banknotes obtained by reducing the amount of change (A2) from the sales proceeds (Ao) from the cash processing machine 11 of the store 1 (A1), and prepares the change as in the second embodiment. Banknotes (Bo) and surplus coins (CR) used for gold are not collected. On the other hand, only the change reserve (CS) of insufficient coins is delivered. Then, in the store 1, the banknote (A2) for the diversion of the change, the banknote (Bo) to be applied to the change reserve, and the surplus coin (CR) are managed as they are in the cash processing machine 1, and applied as the change reserve for the next day. To do.
Therefore, the final sales amount (A1) of the store 1 is obtained by subtracting the change portion (A2) from the sales amount (Ao), but the cash collection and distribution company 2 uses the change amount (A2) for the store 1 The amount of money (Ao), which is the sum of the recovered amount (A1) and the replenishment amount (A2), is transferred to the bank account of the store 1.

As described above, according to the cash management method of the present invention, it is possible to cover banknotes to be allocated as change reserves with increasing 1,000 yen banknotes, and further to cover banknotes that are insufficient as change reserves. There is also a store 1 that eliminates the need to distribute banknotes as reserve money. As a result, operations such as collecting banknotes and distributing only insufficient coins are possible.
Therefore, the advance payment related to the change reserve of the cash collection and delivery company 2 further decreases, and does not put pressure on fund management. In addition, the change reserve of each store 1 is further reduced, and the management of the store 1 is not under pressure. Also, there is no inconvenience in processing surplus coins. In the store 1, the change reserve can be obtained in real time without waiting for the change of the change reserve of the cash collection and delivery company 2. In the cash collection and delivery company 2, the weight of the collected money is further reduced and can be processed even by women. In particular, even if a natural disaster or the like occurs and the change reserve cannot be delivered to each store 1, it is possible to avoid a situation that hinders the operation of the store 1 in an emergency.

[Example 4]
Further, as shown in FIG. 2, in the cash management system of the present invention, a change machine 15 installed in a cash register, a deposit / withdrawal machine 13 capable of receiving various kinds of currencies, and the store data management apparatus 12 The cloud server 31 may be provided.

According to this cash management system, when a foreign currency is received from a user, 1) deposit the foreign currency into the depositing / dispensing machine 13. 2) The deposit / withdrawal machine 13 collects the identification data of the deposited currency and notifies the store data management device 12 of it. The store data management device 12 determines the currency based on the identification data, and converts the foreign currency into yen at the registered exchange rate. 3) The store data management device 12 transmits data to the change machine 15. 4) The change machine 15 transmits the deposit amount to the POS in the same manner as when the yen is deposited, the POS transmits the change amount and the withdrawal instruction to the change machine 15, and the change machine 15 changes the change according to the instruction. Withdraw. 5) The store data management device 12 manages the number of each currency and registers it in the cloud server 31. 6) The cloud server 31 aggregates data transmitted from all stores 1 by currency and provides information to the cash collection and delivery company 2 to be collected on the same day. 7) The cash collection / distribution company 2 uses the result of counting the foreign currency on the same day for browsing the plurality of money exchange companies 5. 8) Each money changer 5 inputs a foreign currency purchase fee through the Internet. 9) The cash collection / delivery company 2 selects the money exchange trader 5 with the lowest foreign currency purchase fee, and tentatively confirms the transaction at the exchange rate on that day. 10) The cash collection / delivery company 2 collects foreign currency from the store 1, brings cash into the selected exchange company 5 a few days after provisional confirmation, and completes the transaction at the exchange rate at the time of provisional confirmation. If such a procedure is executed, the foreign currency can be received by the cash register without requiring an expert who handles the foreign currency.

As a result, foreign visitors can use their native currency without hesitation and do not need to exchange money. The store 1 can also handle foreign currency without burden, and can add profits to sales in foreign currency and gain profits.
Further, the store 1 can entrust the processing of the acquired foreign currency to the cash collection and delivery company 2, and the cash collection and delivery company 2 can provide the store 1 with a value-added service. In addition, since the cash collection / delivery company 2 can deal with the money exchange company 5 at the exchange rate of foreign currency on the day handled at the store 1, the risk of exchange rate fluctuations can be avoided and the lowest commission can be converted into yen. You can exchange money and send money to store 1.

Furthermore, according to the cash management system of the present invention, the store 1, the operating company (store headquarters) 4, and the cash collection / delivery company 2 can perform fund transfer and monitoring browsing based on data that is centrally managed by the cloud server 31. Therefore, even if a failure occurs in one location of the cash management system, it is possible to ensure cooperation.

  The present invention is not limited to the above-described embodiment, and the present invention can be variously modified without departing from the spirit of the present invention.

For example, the store data management device is a management terminal different from the POS, but the function of the store data management device may be installed in the POS. Further, the store data management device may be provided with a free management area so as to be able to manage and operate other funds and the like managed by the store manager, in addition to the change of the store and the management of the surplus amount.

  The cash processing machine connected to the store data management device 12 can create cash data and sales data for the store, or can accept a medium instead of the cash created by the store data management device 12. It may be a counting machine, a deposit machine, a gift certificate management machine, an electronic money settlement terminal, or the like.

  Furthermore, the cash management system of the present invention manages cash in a store in cooperation with a cash collection / delivery company, but may be used as a cash management system for a store alone without cooperating with a cash collection / delivery company. .

  Also, in the above embodiment, when the foreign currency is received, the aspect of paying out the change from the change machine linked to the POS has been described. However, the result of converting the received foreign currency into yen is an electronic device connected to the store data management device. You may make it transmit to a money payment terminal (electronic money charge machine etc.) and charge a change to an electronic money card.

DESCRIPTION OF SYMBOLS 1 Store 11 Cash processing machine 12 Store data management apparatus 15 Change machine 2 Cash collection / delivery company 21 Cash collection / delivery server 31 Cloud server 5 Money changer

Claims (18)

Installed in each store, executes cash deposit and withdrawal processing, sends cash deposit and withdrawal data and deposit amount data, receives the deposit and withdrawal data and deposit amount data, and stores in the store Store data management device that aggregates cash data of
A cash collection / delivery server that is installed in a cash collection / delivery company and executes a change creation instruction to the store where the store data management device is installed and a sales transfer instruction to the bank account of the store;
A cloud server that centrally manages data between the store data management device and the cash collection and delivery server, and transmits and receives the data;
A cash management system comprising:
The cash collection and delivery company does not collect surplus money delivered as change reserves to the store, only delivers the shortage of change reserves, and the store uses the surplus money as change reserves for the next day. Cash management system. The store data management device has a function of calculating and processing so as to keep the amount of change reserves in a store constant, and requesting a cash collection and delivery company to deliver only a deficient amount of money. The cash management system according to claim 1. 3. The cash management system according to claim 1, wherein the store data management device is capable of calculating the number of denominations of an insufficient change reserve and an excess of a change reserve for each denomination. The cash management system according to any one of claims 1 to 3, wherein the store data management device calculates and manages the change reserve for the shortage instead of the reserve for the excess change. 5. The store data management device according to claim 1, wherein the store data management device calculates and instructs cash used as change reserves to be distributed next time among the collected cash. Cash management system. The store data management device calculates and processes an excess and a deficit change reserve amount in accordance with the timing of cash reserve delivery change and sales collection. The cash management system according to any one of claims 1 to 5. 7. The calculation of the amount of change reserve for the excess and deficiency of the store data management device is performed based on the amount of money at the time of closing immediately before registration after registering the amount of change for change reserve. Cash management system as described in. The calculation of the change amount of money of the store data management device is based on the total amount of money that can be used as change in the store including the changed change reserve for the registered change amount of payment change. The amount of surplus change is calculated by subtracting the change amount from the total amount, and the amount obtained by subtracting the amount of change from the change amount is calculated as the change reserve to be distributed next time. The cash management system according to claim 7. The change reserves to be distributed next time are calculated by summing up the number of change shortages for each denomination from the set change amount for the change, and the sum of those changes. The cash management system according to claim 7, wherein: The store data management device can issue a deposit / withdrawal instruction of the cash processing machine, and the store data management device calculates the number of denominations to be returned in excess, the number of denominations to be deposited by bank remittance. The cash management system according to any one of claims 1 to 9, wherein a withdrawal instruction and a withdrawal instruction of a number to be replenished can be performed. Use the denomination that can be used as change from the sales proceeds of the store and use it as change reserves for the next day, withdrawing the diverted sales from the store deposit and adding it to the reduced sales amount. 11. The cash management system according to any one of claims 1 to 10, wherein the transfer is made to a bank account. The cash management system according to claim 1, wherein the cloud server manages fluctuations in deposits. The cash management system is capable of accepting foreign currency by the cash processor, receiving a foreign currency exchange rate, and capable of counting and managing by currency or rate. The cash management system according to any one of the above. 14. The cash management system according to claim 13, wherein the foreign currency received by the cash processing machine is converted into yen at the exchange rate, and the change is withdrawn by a change machine linked to a POS which is another cash processing machine. . The cloud server aggregates the foreign currency amount for every currency of all stores on the day, provides the aggregated amount for viewing by a plurality of money changers, tentatively confirms the transaction with the money exchange agent with the lowest commission, The cash management system according to claim 13 or 14, wherein a foreign currency transaction is confirmed at the exchange rate of the day. Receiving a change reserve from a cash collector and registering the change reserve with the cash management system;
Calculating the change reserve to be distributed next time upon registration and notifying the cash collection and delivery company of the change reserve to be distributed next time;
The store is stored in a cash machine, and a step of confirming the status of cash accumulated by the store data management device;
The store refills the change machine with money;
Sending the sales data to the cash collection and delivery company;
Based on your sales data, transfer the sales to your bank account,
A cash collection and delivery company collecting cash;
Creating a change reserve based on the notified change request amount to be distributed next time;
The cash management method characterized by having. Use the denomination that can be used as change from the sales proceeds of the store and use it as change reserve for the next day, withdrawing the diverted sales from the store deposit and adding the reduced sales to the store bank The cash management method according to claim 16, further comprising a step of transferring money to an account. 18. The cash management method according to claim 16 or 17, further comprising a step of receiving a foreign currency exchange rate and managing each currency so that a foreign currency can be received by the cash processor.

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