JP2021096558A - Money reception transaction method, transaction system, cash machine, and host computer - Google Patents

Abstract

To reduce the burden of a customer relating to a money reception transaction of reject cash.SOLUTION: An image of reject cash being cash deposited to a cash machine by a customer and rejected by the cash machine is acquired, the reject cash is stored in a storage part of the cash machine, and the image of the reject cash is read to acquire the number of each denomination of the reject cash. When the number of each denomination of the reject cash is corrected according to an input of the customer, the money reception transaction of the reject cash is approved in the case of performing an input that the corrected number of each denomination of the reject cash coincides with the actual number of each denomination of the reject cash collected from the storage part. When the number of each denomination of the reject cash is not corrected, the money reception transaction of the reject cash is approved in the case of performing an input that the number of each denomination of the reject cash coincides with the actual number of each denomination of the reject cash collected from the storage part.SELECTED DRAWING: Figure 7

Description

The present invention relates to a deposit transaction method, a transaction system, a cash machine, and a host computer.

An ATM (Automated Teller Machine) is known as an example of a cash machine. ATMs are devices installed in stores of financial institutions such as banks, convenience stores, etc., and automatically perform various transactions such as deposits and withdrawals.

At ATMs, for example, if there is cash (banknotes, coins) deposited by a customer who makes a deposit transaction that cannot be identified (such as denomination) due to damage or dirt, the cash is rejected and returned to the customer. (See, for example, Patent Document 1). In such a case, in order to carry out a deposit transaction of rejected cash (hereinafter, also referred to as "rejected cash"), it is necessary to go to a bank counter to carry out the payment transaction because it cannot be done at an ATM.

Japanese Unexamined Patent Publication No. 2014-59813

In recent years, customers who can use ATMs mainly at night have requested to deposit cash into ATMs and use ATMs instead of safes. However, in the case of such a customer, if the cash deposited in the ATM is rejected, the bank counter is out of business hours, so that the deposit transaction at that time cannot be performed. Therefore, in order to carry out a deposit transaction for reject cash, it is necessary to take the reject cash home once and then go to the bank counter during business hours to perform the deposit transaction, which is troublesome twice.

In view of the above circumstances, an object of the present invention is to provide a deposit transaction method, a transaction system, a cash machine, and a host computer that can reduce the burden on a customer regarding a deposit transaction of reject cash.

One aspect of the method is a method of depositing rejected cash, which is cash deposited in a cash machine by a customer and rejected by the cash machine, in which an image of the rejected cash is acquired and the rejected cash is used in the cash machine. When the reject cash image is read to obtain the number of reject cash denominations and the number of reject cash denominations is modified according to the customer's input, the reject cash When it is input that the number of corrected denominations and the actual number of rejected cash collected from the storage unit match, the deposit transaction of the rejected cash is approved and the rejected cash is used. If the number of denominations is not corrected, the above-mentioned is made when the input is made that the number of denominations of the rejected cash matches the actual number of denominations of the rejected cash collected from the storage unit. It is characterized by approving reject cash deposit transactions.

One aspect of the system is a trading system including a cash machine and a host computer, in which the cash machine acquires an image of rejected cash, which is cash deposited by the customer into the cash machine and rejected by the cash machine. An image acquisition unit to be used, a storage unit for storing the reject cash, a correction unit for correcting the number of reject cash denominations according to the input of the customer, and an image of the reject cash to be transmitted to the host computer. , The number of rejected cash denominations was received from the host computer, and the number of corrected denominations of the rejected cash or the correction by the correction unit was not performed when the correction was made by the correction unit. In the case, the host computer is provided with a communication unit that transmits the number of reject cash denominations to the host computer, and the host computer receives an image of the reject cash from the cash machine, and the reject cash denomination. Sending the number of sheets to the cash machine, and the number of corrected denominations of the rejected cash when the correction by the correction unit is made, or the money of the reject cash when the correction by the correction part is not performed. When the correction is performed by the communication unit that receives the type number of sheets from the cash machine, the image reading unit that reads the image of the rejected cash and acquires the number of types of the rejected cash, and the correction unit. The number of corrected denominations of the rejected cash or the number of denominations of the rejected cash when the correction by the correction unit is not performed matches the actual number of denominations of the rejected cash collected from the storage unit. It is characterized in that it is provided with an approval unit that approves the deposit transaction of the rejected cash when an input to the effect is made.

One aspect of the device is an image acquisition unit which is a cash machine and acquires an image of rejected cash which is cash received by a customer into the cash machine and rejected by the cash machine, and storage for storing the rejected cash. The unit, the correction unit that corrects the number of reject cash denominations according to the customer's input, the transmission of the reject cash image to the host computer, and the reception of the reject cash denomination number from the host computer. And the number of corrected denominations of the rejected cash when the correction is made by the correction part or the number of denominations of the rejected cash when the correction is not made by the correction part to the host computer. It is characterized by including a communication unit that performs transmission.

Another aspect of the apparatus is the host computer, which is the cash received by the customer into the cash machine, the cash rejected by the cash machine, and the image of the rejected cash stored in the cash storage section of the cash machine. Receiving from the machine, transmitting the number of rejected cash denominations to the cash machine, and the corrected number of rejected cash denominations when the number of rejected cash denominations is corrected by the cash machine. Alternatively, when the number of denominations of the reject cash is not corrected by the cash machine, the communication unit that receives the number of denominations of the reject cash from the cash machine and the reject cash image are read and the reject is performed. An image reading unit that acquires the number of cash denominations, and the corrected denomination number of the reject cash or the denomination number of the rejected cash when the denomination number of the rejected cash is corrected by the cash machine is the cash. When it is input that the number of rejected cash denominations that are not corrected by the machine matches the actual number of rejected cash denominations collected from the storage unit, the rejected cash It is characterized by having an approval department that approves the deposit transaction of.

According to the present invention, it is possible to reduce the burden on the customer regarding the deposit transaction of reject cash.

It is a figure which illustrates the structure of the trading system which concerns on one Embodiment. It is a figure which illustrates the appearance structure of the cash machine which concerns on one Embodiment. It is a figure which illustrates the hardware configuration of the cash machine which concerns on one Embodiment. It is a figure which illustrates the hardware configuration of the host computer which concerns on one Embodiment. It is a figure which shows typically the storage example of the reject banknotes stored in the storage cassette for reject banknotes and the reject coins stored in the storage cassette for reject coins in the cash machine which concerns on one Embodiment. It is a figure which illustrates the data structure of the reject cash deposit information table and the storage period regulation information table. It is a figure which illustrates the functional structure which concerns on the reject cash deposit transaction processing which is executed in the transaction system which concerns on one Embodiment. It is a flowchart which illustrates the flow of the night deposit processing. It is a figure which illustrates the display screen displayed on the cash machine during execution of a night deposit processing. It is a flowchart which illustrates the flow of the reject cash payment confirmation process. It is a figure which illustrates the display screen displayed on the host computer during execution of the reject cash payment confirmation process. It is a flowchart which illustrates the flow of the storage period check process. It is a figure which illustrates the alarm screen displayed on the customer's mobile terminal by execution of the storage period check process. It is a flowchart which illustrates the flow of the storage period registration process. It is a figure which illustrates the display screen displayed on the host computer during execution of the storage period registration process. It is a flowchart which illustrates the flow of the payment transaction status confirmation processing. It is a figure which illustrates the display screen displayed on the customer's mobile terminal during execution of the deposit transaction status confirmation process.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram illustrating a configuration of a trading system according to an embodiment.

The trading system 1 illustrated in FIG. 1 includes a plurality of cash machines 10, a host computer 20, and a plurality of mobile terminals 30. The plurality of cash machines 10 and the host computer 20 are connected to the network 40, and the cash machines 10 and the host computer 20 can communicate with each other. Further, the plurality of mobile terminals 30 are wirelessly connected to the network 40, and the mobile terminals 30 and the host computer 20 can communicate with each other. The cash machine 10 is, for example, an ATM, and is installed in a store of a financial institution such as a bank, a convenience store, or the like. The host computer 20 is managed by a financial institution. The mobile terminal 30 is a portable information terminal device possessed by a customer who trades with the cash machine 10, and is, for example, a smartphone.

FIG. 2 is a diagram illustrating an external configuration of a cash machine according to an embodiment.

The cash machine 10 illustrated in FIG. 2 includes a passbook insertion / discharge unit 101, a card insertion / discharge unit 102, a coin deposit / withdrawal unit 103, a bill deposit / withdrawal unit 104, and a display input / output unit 105.

The passbook insertion / discharge unit 101 accepts and returns the passbook.

The card insertion / discharge unit 102 accepts and returns cards (cash cards, etc.) used for transactions. The card insertion / discharge unit 102 also discharges the receipt on which the transaction details are printed.

The coin deposit / withdrawal unit 103 accepts deposit coins and discharges withdrawal coins.

The bill deposit / withdrawal unit 104 accepts deposit bills and discharges withdrawal bills.

The display input unit 105 displays various screens such as a transaction screen and accepts operation inputs from customers and the like. The display input unit 105 includes a display device 123 and an input device 124, which will be described later.

FIG. 3 is a diagram illustrating a hardware configuration of a cash machine according to an embodiment.

The cash machine 10 illustrated in FIG. 3 includes a control unit 111, a display input unit 105, a card processing unit 112, a passbook processing unit 113, a coin processing unit 114, and a bill processing unit 115.

The control unit 111 controls the processing executed by the cash machine 10. The control unit 111 includes a processor 116 such as a CPU (Central Processing Unit), a RAM (Random Access Memory) 117, an HDD (Hard Disk Drive) 118, a graphic processing unit 119, an input / output interface 120, and a communication control unit 121. Each of these parts is connected to each other by a bus 122.

The processor 116 controls the overall operation of the cash machine 10 by executing various programs such as an OS (Operating System) program and an application program.

The RAM 117 temporarily stores a part of the program executed by the processor 116, or is used as a working storage area of the processor 116.

The HDD 118 records various programs executed by the processor 116, various data necessary for executing the programs, and the like.

A display device 123 provided in the display input unit 105 is connected to the graphic processing unit 119. The graphic processing unit 119 causes the display device 123 to display various screens according to the control signal from the processor 116.

The input / output interface 120 is connected to an input device 124 provided in the display input unit 105, a card processing unit 112, a passbook processing unit 113, a coin processing unit 114, and a bill processing unit 115. Further, the input / output interface 120 can be connected to a portable recording medium interface capable of writing information to the portable recording medium 125 and reading information from the portable recording medium 125. The input / output interface 120 notifies the input device 124 and each unit of the control signal from the processor 116, and notifies the processor 116 of the signal (data, information) from the input device 124 and each unit.

The communication control unit 121 is connected to the network 40 and communicates with, for example, the host computer 20.

As described above, the display input unit 105 includes a display device 123 and an input device 124. The display device 123 is, for example, an LCD (Liquid Crystal Display), and the input device 124 is a touch panel arranged on the display device 123. The input device 124 detects an operation input to the input device 124 and notifies the processor 116 of the detection result.

The card processing unit 112 inserts and ejects a card from the card insertion / ejection unit 102. It also reads and writes information (data) to the magnetic stripe and IC chip of the inserted card. The card processing unit 112 also prints transaction details on a receipt and ejects the transaction details from the card insertion / ejection unit 102.

The passbook processing unit 113 inserts and discharges the passbook from the passbook insertion / discharge unit 101. In addition, the information (data) recorded on the magnetic stripe of the inserted passbook is read out, and the passbook is entered.

The coin processing unit 114 deposits and withdraws coins from the coin deposit and withdrawal unit 103. It also counts and discriminates deposited coins and counts withdrawal coins. The coin processing unit 114 includes a reject coin camera 114a and a reject coin storage cassette 114b. When the rejected coin (hereinafter, also referred to as “reject coin”) is deposited by the reject coin camera 114a, the reject coin is photographed and the image is acquired. The reject coin camera 114a is an image pickup device provided with an image pickup device such as a CCD (Charge Coupled Device), for example. The reject coin storage cassette 114b stores the deposited reject coins. Although the details will be described later, the reject coins stored in the reject coin storage cassette 114b are classified by the floor plate, and it is possible to later specify which customer's reject coin is the reject coin.

The bill processing unit 115 deposits and withdraws bills from the bill deposit and withdrawal unit 104. It also counts and discriminates deposit banknotes and counts withdrawal banknotes. The bill processing unit 115 includes a reject bill camera 115a and a reject bill storage cassette 115b. When the rejected banknotes (hereinafter, also referred to as “rejected banknotes”) are deposited by the discrimination of the deposited banknotes, the reject banknote camera 115a photographs the rejected banknotes and acquires an image thereof. The reject banknote camera 115a is an image pickup device provided with an image pickup device such as a CCD. The reject banknote storage cassette 115b stores the deposited reject banknotes. Although the details will be described later, the rejected banknotes stored in the rejected banknote storage cassette 115b are classified by the sheet paper, and it is possible to later specify which customer's rejected banknotes are.

In the cash machine 10 illustrated in FIG. 3, for example, an image of the rejected coin is acquired by imaging with an imaging unit for coin identification (not shown) included in the coin processing unit 114, and an image of the rejected banknote is obtained by the banknote processing unit 115. It may be acquired by imaging with an imaging unit for banknote identification (not shown) provided in. In this case, the cash machine 10 does not need to include the reject coin camera 114a and the reject banknote camera 115a. Alternatively, the image of the reject coin and the image of the reject banknote may be acquired by taking a picture with a single camera (imaging device). In this case, the cash machine 10 may be provided with a single camera instead of the reject coin camera 114a and the reject banknote camera 115a as a camera for acquiring the image of the reject coin and the image of the reject banknote. ..

Further, in the cash machine 10 illustrated in FIG. 3, a part of the control unit 111 may be realized by hardware such as FPGA (Field Programmable Gate Array) or ASIC (Application Specific Integrated Circuit).

FIG. 4 is a diagram illustrating a hardware configuration of a host computer according to an embodiment.

The host computer 20 illustrated in FIG. 4 includes a processor 201 such as a CPU, a RAM 202, an HDD 203, a graphic processing unit 204, an input / output interface 205, and a communication control unit 206, and each of these units is connected to each other by a bus 207. Has been done. Further, the host computer 20 includes a display device 208 connected to the graphic processing unit 204 and an input device 209 connected to the input / output interface 205.

The processor 201 controls the overall operation of the host computer 20 by executing various programs such as an OS program and an application program.

The RAM 202 temporarily stores a part of the program executed by the processor 201, or is used as a working storage area of the processor 201.

The HDD 203 records various programs executed by the processor 201, various data necessary for executing the programs, and the like. Further, the HDD 203 has a reject cash deposit information table that stores information related to the deposit of reject cash, a storage period regulation information table that stores information that defines a storage period of reject cash collected from the cash machine 10, and a reject cash. Images, customer information, etc. are also recorded. Details of the reject cash deposit information table and the storage period regulation information table will be described later with reference to FIG.

The graphic processing unit 204 causes the display device 208 to display various screens according to the control signal from the processor 201. The display device 208 is, for example, an LCD.

The input / output interface 205 notifies the processor 201 of the signal from the input device 209. The input device 209 is a keyboard, a mouse, a touch panel, or the like. In addition to connecting the input device 209 to the input / output interface 205, a portable recording medium interface capable of writing information to the portable recording medium 210 and reading information from the portable recording medium 210 is also connected. It is possible.

The communication control unit 206 is connected to the network 40 and communicates with, for example, a cash machine 10 or a mobile terminal 30.

Although not shown, the hardware configuration of the mobile terminal 30 may have the same hardware configuration as the hardware configuration illustrated in FIG. 4, for example. In this case, the input device 209 is, for example, a touch panel and a button switch arranged on the display device 208. Further, the communication control unit 206 is wirelessly connected to the network 40 and communicates with, for example, the host computer 20.

FIG. 5 is a diagram schematically showing an example of storing reject banknotes stored in a storage cassette for reject banknotes and reject coins stored in a storage cassette for reject coins in the cash machine according to the embodiment.

In the example shown in FIG. 5, in the reject banknote storage cassette 115b, the paper is stored every time the reject banknotes deposited in the cash machine 10 are stored. As a result, the deposited reject banknotes and the sheet paper are alternately stacked and stored, for example, the reject banknote A, the sheet paper A, the reject banknote B, and the sheet paper B. A paper-laying paper ID is assigned to the paper-laying paper, which makes it possible to associate the rejected banknotes deposited in the cash machine 10 with the paper-laying paper (paper-laying paper ID). For example, it is possible to associate the rejected banknote A with the sheet A (the sheet ID of the sheet A) and the rejected banknote B with the sheet B (the sheet ID of the sheet B). Further, the paper sheet ID may be printed, for example, on the paper sheet so that the paper sheet ID can be visually confirmed.

For example, a plurality of paper sheets are stored in advance in a paper banknote storage (not shown) provided in the banknote processing unit 115, and one sheet is stored each time the rejected banknotes deposited in the cash machine 10 are stored in the rejected banknote storage cassette 115b. They are taken out of the paper storage and transported to and stored in the reject banknote storage cassette 115b. For example, when the cash machine 10 is provided with a mechanism for inspecting a transport path using test banknotes, a storage box for storing test banknotes in advance can be used as a paper storage. In this case, a sheet of paper is stored instead of the test banknote.

Further, in the example shown in FIG. 5, in the reject coin storage cassette 114b, the floor plate is stored every time the reject coins deposited in the cash machine 10 are stored. As a result, the deposited reject coins and the floor plate are alternately stacked and stored, for example, the reject coin A, the floor plate A, the reject coin B, and the floor plate B. A floor board ID is assigned to the floor board, which makes it possible to associate the reject coins deposited in the cash machine 10 with the floor board (bed board ID). For example, it is possible to associate the reject coin A with the floor plate A (the floor plate ID of the floor plate A) and the reject coin B with the floor plate B (the floor plate ID of the floor plate B). Further, the floor plate ID may be printed on the floor plate, for example, so that the floor plate ID can be visually confirmed.

For example, a plurality of floor plates are stored in advance in a floor plate storage (not shown) provided in the coin processing unit 114, and one floor plate is stored each time the reject coins deposited in the cash machine 10 are stored in the reject coin storage cassette 114b. It is taken out of the storage and transported to and stored in the reject coin storage cassette 114b.

FIG. 6 is a diagram illustrating the data structures of the reject cash deposit information table and the storage period regulation information table.

In the reject cash deposit information table 501 illustrated in FIG. 6, for each reject cash deposited in the cash machine 10, the device ID of the cash machine 10 in which the reject cash was deposited, the reject cash processing ID, and the reject The customer ID of the customer who made the cash deposit, the deposit date of the rejected cash, the number of rejected cash denominations registered by the customer and the banknote (financial institution staff), and the rejected banknotes are stored in the rejected banknote storage cassette 115b. The laying paper ID of the laying paper used at that time, the laying board ID of the laying board used when the reject coins were stored in the storage cassette 114b for reject coins, the image ID of the image of rejected cash, and the collection from the cash machine 10. Information on the remaining storage period of rejected cash and the approval status of rejected cash (unapproved (unapproved) / approved (completed) / approval inconsistency (inconsistency), etc.) is stored.

Further, in the storage period regulation information table 502 illustrated in FIG. 6, a general period for defining the storage period of the rejected cash collected from the cash machine 10 and a period shorter than the general period before the general period elapses. Information about the notification period and the period for notifying the advance alarm is stored in.

FIG. 7 is a diagram illustrating a functional configuration related to a reject cash deposit transaction process executed in the transaction system according to the embodiment.

In the transaction system 1 illustrated in FIG. 7, the cash machine 10 includes an image acquisition unit 131, a storage unit 132, a correction unit 133, and a communication unit 134. The host computer 20 includes an image reading unit 221, an approval unit 222, and a communication unit 223.

In the cash machine 10, the image acquisition unit 131 acquires an image of rejected cash, which is cash that has been deposited in the cash machine 10 by the customer and rejected by the cash machine 10. The storage unit 132 stores the rejected cash. The communication unit 134 transmits the image acquired by the image acquisition unit 131 to the host computer.

In the host computer 20, the communication unit 223 receives the image from the cash machine 10. The image reading unit 221 reads the image and acquires the number of rejected cash denominations. The communication unit 223 transmits the number of rejected cash denominations to the cash machine 10.

In the cash machine 10, the communication unit 134 receives the number of rejected cash denominations from the host computer 20. The correction unit 133 corrects the number of rejected cash by denomination according to the input of the customer. The communication unit 134 transmits to the host computer 20 the number of rejected cash denominations when the correction is made by the correction unit 133 or the number of reject cash denominations when the correction is not made by the correction unit 133. To do.

In the host computer 20, the communication unit 223 determines the number of rejected cash denominations when the correction is made by the correction unit 133 or the number of reject cash denominations when the correction is not made by the correction unit 133. , Received from the cash machine 10. The approval unit 222 tells the number of rejected cash denominations after the correction by the correction unit 133 or the number of reject cash denominations when the correction is not made by the correction unit 133, and the storage unit 132. When the input is made that the actual number of rejected cash collected by denomination matches, the deposit transaction of rejected cash is approved.

In the cash machine 10 illustrated in FIG. 7, the image acquisition unit 131 corresponds to, for example, the reject coin camera 114a and the reject banknote camera 115a. The storage unit 132 corresponds to, for example, a storage cassette 114b for reject coins and a storage cassette 115b for reject banknotes. The correction unit 133 corresponds to, for example, a part of the functions of the processor 116. The communication unit 134 corresponds to, for example, the communication control unit 121.

Further, in the host computer 20 illustrated in FIG. 7, the image reading unit 221 and the approval unit 222 correspond to, for example, some functions of the processor 201. The communication unit 223 corresponds to, for example, the communication control unit 206.

Next, a deposit transaction process (including a reject cash deposit transaction process) executed in the transaction system 1 will be described with reference to FIGS. 8 to 17.

First, with reference to FIGS. 8 and 9, a nighttime deposit process executed when a customer makes a deposit transaction with a cash machine 10 at night when the bank counter is outside business hours will be described. FIG. 8 is a flowchart illustrating the flow of night deposit processing. FIG. 9 is a diagram illustrating a display screen displayed on the cash machine during the execution of the night deposit process.

As illustrated in FIG. 8, when the night deposit process starts, the cash machine 10 first accepts a cash deposit from the customer (S101) and performs a normal deposit transaction process (S102). In normal deposit transaction processing, if there is rejected cash in the deposited cash, the rejected cash is returned to the customer, the inserted cash card is returned, the receipt is discharged, and the like.

When S102 is completed, the cash machine 10 determines whether or not there was a rejection in S102 (S103).

If the determination result of S103 is NO, the night deposit process illustrated in FIG. 8 is completed.
On the other hand, when the determination result of S103 is YES, the cash machine 10 displays the selection screen 601 illustrated in FIG. 9 on the display input unit 105 (display device 123) (S104). On the selection screen 601 is displayed a button that enables selection of whether or not to deposit the reject cash returned in S102 (reject deposit).

Next, the cash machine 10 determines whether the button pressed by the customer on the selection screen 601 is a "yes" button or a "no" button (S105).

If the determination result in S105 is the "No" button, the night deposit process illustrated in FIG. 8 ends.

On the other hand, when the determination result of S105 is the "Yes" button, the cash machine 10 accepts the deposit of the rejected cash (S106) and acquires the image of the deposited rejected cash (S107). Specifically, in S107, the reject coin is photographed by the reject coin camera 114a to acquire the image, and the reject banknote is photographed by the reject banknote camera 115a to acquire the image. If there are a plurality of reject coins, each image is acquired, and if there are a plurality of reject coins, each image is acquired.

After S107, the cash machine 10 stores the deposited reject cash (S108). Specifically, the reject coins are stored in the reject coin storage cassette 114b, and the reject banknotes are stored in the reject banknote storage cassette 115b.

Next, the cash machine 10 transmits the image of the rejected cash acquired in S107 to the host computer 20 (S109).

When the host computer 20 receives the rejected cash image from the cash machine 10 (S110), the host computer 20 performs an image reading process (S111). Specifically, in S111, the image of the rejected cash is read to acquire the number of rejected cash by denomination.

Next, the host computer 20 transmits the number of rejected cash denominations acquired in S111 to the cash machine 10 (S112).

When the cash machine 10 receives the number of rejected cash denominations from the host computer 20 (S113), the cash machine 10 displays the registration screen 602 illustrated in FIG. 9 on the display input unit 105 (display device 123) (S114). On the registration screen 602, the customer can register the number of rejected cash denominations deposited by the customer.

On the registration screen 602, the estimated amount of rejected cash (for example, "25,500 yen") and the number of rejected cash (for example, "10,000 yen x 2", "5,000 yen") are displayed based on the number of rejected cash denominations received in S113. × 1 ”and“ 500 yen × 1 ”) are displayed. Here, when any number of denominations (for example, "10,000 yen x 2") is pressed by the customer, the cash machine 10 changes the displayed registration screen 602 to the correction screen (correction) illustrated in FIG. Screen) Switch to 603. On the correction screen 603, when the customer specifies the number of denominations by pressing the numeric keypad and presses the "correction" button, the cash machine 10 sets the number of denominations pressed on the registration screen 602 to the specified gold. The number of seeds is corrected, and the displayed correction screen 603 is switched (returned) to the registration screen 602. On the registration screen 602 at this time, the correction on the correction screen 603 is reflected. On the other hand, when the "return" button is pressed by the customer on the correction screen 603, the displayed correction screen 603 is switched (returned) to the registration screen 602.

Further, on the registration screen 602, a list of images acquired in S107 is displayed. Here, when any of the images is pressed by the customer, the cash machine 10 switches the displayed registration screen 602 to the image display screen 604 illustrated in FIG. On the image display screen 604, an enlarged image of the image pressed on the registration screen 602 is displayed. When the "back" button is pressed by the customer on the image display screen 604, the cash machine 10 switches (returns) the displayed image display screen 604 to the registration screen 602.

After S114, the cash machine 10 determines whether the button pressed by the customer on the registration screen 602 is a "continue" button or a "complete" button (S115).

If the determination result of S115 is the "continue" button, the process returns to S106. This allows the customer to make additional deposits of rejected cash. In S114, which is performed after the processing returns to S106, the processing result of the additionally deposited reject cash is reflected.

On the other hand, when the determination result of S115 is the "Complete" button, the cash machine 10 stores the floor plate in the reject coin storage cassette 114b when the deposited reject cash contains coins, and the deposited reject cash is released. When bills are included, the paper is stored in the reject bill storage cassette 115b (S116).

Next, the cash machine 10 transmits the reject cash deposit information to the host computer 20 (S117). The reject cash deposit information includes the device ID of the cash machine 10, the customer ID of the customer, the deposit date of the reject cash, the number of reject cash denominations (the number of denominations when the "Done" button is pressed on the registration screen 602), The ID of the floor plate and / or the floor paper stored in S116 (the floor plate ID and / or the floor paper ID), and the image of the reject cash acquired in S107 and the image ID thereof are included. Here, the customer ID is, for example, the one read from the cash card inserted into the cash machine 10 by the customer in S102.

When the host computer 20 receives the reject cash deposit information from the cash machine 10 (S118), the host computer 20 registers the reject cash deposit information in the reject cash deposit information table 501 recorded in the HDD 203 (S119). At this time, a processing ID is assigned and registered, and unapproved (“not”) is registered as approval status information. At this point, the remaining storage period has not been registered. In the reject cash deposit information received from the cash machine 10, the number of reject cash denominations is registered in the reject cash deposit information table 501 as the number of denominations registered by the customer, and the image of the reject cash is recorded in the HDD 203. ..

After S119, the host computer 20 transmits a notification of completion of registration of the reject cash deposit information to the cash machine 10 (S120).

When the cash machine 10 receives the registration completion notification of the reject cash deposit information from the host computer 20 (S121), the night deposit process illustrated in FIG. 8 ends.

The execution time zone of the night deposit processing illustrated in FIG. 8 is not limited to the nighttime when the bank counter is outside the business hours, and may be, for example, the time zone when the bank counter is during the business hours, and may be any time.

Next, the reject cash payment confirmation process executed when the bank employee confirms the payment of the reject cash on the host computer 20 will be described with reference to FIGS. 10 and 11. FIG. 10 is a flowchart illustrating the flow of the reject cash payment confirmation process. FIG. 11 is a diagram illustrating a display screen displayed on the host computer during execution of the reject cash payment confirmation process.

As illustrated in FIG. 10, when the reject cash deposit confirmation process is started, the host computer 20 first displays the approval system screen 611 illustrated in FIG. 11 based on the reject cash deposit information table 501 recorded in the HDD 203. It is displayed on the display device 208 (S131). On the approval system screen 611, a list of cash machines 10 (“device A” and the like) in which rejected cash is stored is displayed.

Next, when the "collect" button of any cash machine 10 (for example, "device A") is pressed by the bank employee on the approval system screen 611, the host computer 20 collects the rejected cash from the cash machine 10. Along with giving an instruction, the first approval screen 612 illustrated in FIG. 11 is displayed on the display device 208 (S132). Here, the collection instruction is given to a predetermined collection member. Further, on the first approval screen 612, the processing ID, customer name, and approval status of the rejected cash deposited by the cash machine 10 in which the reject cash collection instruction is given based on the reject cash deposit information table 501 are displayed. Is displayed as a list. The customer name is extracted from the customer information recorded in the HDD 203, for example, based on the customer ID.

The collector who receives the collection instruction collects the rejected cash from the cash machine 10 instructed to collect (S133). In this collection, the reject banknotes for each sheet (reject banknotes associated with the sheet ID) and the reject coins for each sheet (reject coins associated with the sheet ID) are collected. The used paper and board are returned to the paper storage and board storage.

After the rejected cash is collected from the cash machine 10 instructed to collect, the host computer 20 is displayed on the first approval screen 612 when "not" indicating that the approval status is not approved is pressed by the bank employee. The first approval screen 612 is switched to the second approval screen 613 illustrated in FIG. 11 (S134). On the second approval screen 613, the number of denominations (the number of denominations registered by the customer) for the unapproved rejected cash pressed by the bank employee is displayed based on the reject cash deposit information table 501.

Here, the bank employee compares and matches the number of unapproved reject cash denominations displayed on the second approval screen 613 with the actual number of corresponding reject cash denominations collected in S133. If there is, press the "Approve" button, and if they do not match, press the "Inconsistency" button. The "back" button is a button for returning to the first approval screen 612.

After S134, the host computer 20 determines whether the button pressed on the second approval screen 613 is an "approval" button or an "inconsistent" button (S135).

When the determination result of S135 is the "approve" button, the host computer 20 approves the unapproved reject cash deposit transaction (S136) and is included in the corresponding reject cash information in the reject cash deposit information table 501. The approval status is updated to approved (“completed”) (S137), and the reject cash payment confirmation process illustrated in FIG. 10 is completed.

On the other hand, when the determination result of S135 is the "inconsistent" button, the host computer 20 does not approve the unapproved reject cash deposit transaction (S138), but instead of the corresponding reject cash of the reject cash deposit information table 501. The approval status included in the information is updated to approval inconsistency (“inconsistency”), and the general period of the storage period regulation information table 502 recorded in the HDD 203 during the remaining storage period included in the reject cash information (“inconsistency”). For example, “1000 days”) is registered (S137), and the reject cash payment confirmation process illustrated in FIG. 10 is completed. Rejected cash that is inconsistent with approval will be stored in the designated vault.

After the reject cash is collected, the host computer 20 receives, for example, the number of denominations registered by the bank employee, which is included in the corresponding reject cash information in the reject cash deposit information table 501 in response to the input by the bank employee. You may register. In the input by the bank employee, the actual number of rejected cash collected by denomination is input.

Next, the storage period check process in which the host computer 20 checks the storage period of the rejected cash that has been approved and inconsistent will be described with reference to FIGS. 12 and 13. FIG. 12 is a flowchart illustrating the flow of the storage period check process. FIG. 13 is a diagram illustrating an alarm screen displayed on the customer's mobile terminal by executing the storage period check process.

The storage period check process illustrated in FIG. 12 is performed every day.

As illustrated in FIG. 12, when the storage period check process is started, the host computer 20 is first included in the reject cash information that is not approved and inconsistent in the reject cash deposit information table 501 recorded in the HDD 203. The reject cash deposit information table 501 is updated by subtracting the remaining storage period for one day (S141).

Next, the host computer 20 determines in the reject cash deposit information table 501 whether or not there is the reject cash information included in the reject cash information that is inconsistent in approval and whose storage remaining period is zero (). S142).

If the determination result in S142 is YES, the host computer 20 transmits the first alarm notification to the customer's mobile terminal 30 corresponding to the customer ID included in the reject cash information (S143). The first alarm notification includes information on rejected cash that the customer has deposited in the past. Further, the address of the mobile terminal 30 as the transmission destination is extracted from the customer information recorded in the HDD 203, for example, based on the customer ID.

When the transmission of S143 is performed, when the mobile terminal 30 as the transmission destination receives the first alarm notification (S144), the first alarm screen illustrated in FIG. 13 is received in response to the first alarm notification. (Night payment status confirmation screen) 621 is displayed (S145). A window (dialog) 621a is superimposed and displayed on the first alarm screen 621 at this time, and it is notified that the storage period of the reject cash has expired. Here, when the "close window" button of the window 621a is pressed by the customer, the mobile terminal 30 hides the window 621a. As a result, the first alarm screen 621 in which the window 621a is hidden is displayed. On the first alarm screen 621 at this time, it is possible to confirm the information about the rejected cash deposited in the past by the customer, which is hidden by the display of the window 621a. In the first alarm screen 621, "storage: XX" indicates that the number of storage days is XX days (the same applies to the second alarm screen 622 described later).

Rejected cash with a remaining storage period of zero may be maintained for subsequent storage by collecting a storage fee from the customer, or may be attributed to the national treasury.

On the other hand, when the determination result of S142 is NO, the host computer 20 records the remaining storage period included in the reject cash information that is inconsistent in approval in the reject cash deposit information table 501 in the HDD 203. It is determined whether or not there is information on the rejected cash for which the notification period (for example, "990 days") of the regulation information table 502 has been reached (S146).

If the determination result in S146 is YES, the host computer 20 transmits a second alarm notification, which is a pre-alarm notification, to the customer's mobile terminal 30 corresponding to the customer ID included in the reject cash information (S147). .. The second alarm notification also includes information on rejected cash that the customer has deposited in the past.

When the transmission of S147 is performed, when the mobile terminal 30 as the transmission destination receives the second alarm notification (S148), the second alarm screen illustrated in FIG. 13 is received in response to the second alarm notification. (Night payment status confirmation screen) 622 is displayed (S149). A window (dialog) 622a is superimposed and displayed on the second alarm screen 622 at this time, and it is notified that the storage period of the rejected cash has exceeded a predetermined period (for example, "10 days"). Here, the predetermined period is a period obtained by subtracting the notification period (“990 days”) from the general period (for example, “1000 days”) in the storage period regulation information table 502. When the "close window" button of the window 622a is pressed by the customer, the mobile terminal 30 hides the window 622a. As a result, the second alarm screen 622 in which the window 622a is hidden is displayed. On the second alarm screen 622 at this time, it is possible to confirm the information about the rejected cash deposited in the past by the customer, which is hidden by the display of the window 622a.

Next, the storage period registration process executed when the bank employee registers the general period and the notification period in the storage period regulation information table 502 will be described with reference to FIGS. 14 and 15. FIG. 14 is a flowchart illustrating the flow of the storage period registration process. FIG. 15 is a diagram illustrating a display screen displayed on the host computer during execution of the storage period registration process.

As illustrated in FIG. 14, when the storage period registration process is started, the host computer 20 first exemplifies in FIG. 15 based on the storage period regulation information table 502 and the reject cash deposit information table 501 recorded in the HDD 203. The storage period registration screen 631 is displayed on the display device 208 (S151). On the storage period registration screen 631, the general period and notification period of the storage period regulation information table 502 and the reject cash information of the reject cash deposit information table 501 are displayed. Here, the rejected cash information displayed may be all the information in the rejected cash deposit information table 501, or may be limited to the information inconsistent in approval.

Next, the host computer 20 performs a storage period registration screen process that performs a corresponding process in response to a bank employee operation on the storage period registration screen 631 (S152).

Specifically, when the general period (for example, "general period XXX days") is pressed by the bank employee on the storage period registration screen 631, the displayed storage period registration screen 631 is displayed as the general period illustrated in FIG. Switch to the registration screen 632. On the general period registration screen 632, when the employee specifies the general period by pressing the numeric keypad and presses the "OK" button, the specified general period is registered as the general period in the storage period regulation information table 502. The displayed general period registration screen 632 is switched (returned) to the storage period registration screen 631. The storage period registration screen 631 at this time reflects the determination on the general period registration screen 632. On the other hand, when the "return" button is pressed by the bank employee on the general period registration screen 632, the displayed general period registration screen 632 is switched (returned) to the storage period registration screen 631.

Further, when the notification period (for example, "notification period XXX days") is pressed by the bank employee on the storage period registration screen 631, the displayed storage period registration screen 631 is displayed on the notification period registration screen 633 illustrated in FIG. Switch to. On the notification period registration screen 633, when the bank employee specifies the notification period by pressing the numeric keypad and presses the "OK" button, the specified notification period is registered as the notification period in the storage period regulation information table 502. The displayed notification period registration screen 633 is switched (returned) to the storage period registration screen 631. The storage period registration screen 631 at this time reflects the determination on the notification period registration screen 633. On the other hand, when the "return" button is pressed by the bank employee on the notification period registration screen 633, the displayed notification period registration screen 633 is switched (returned) to the storage period registration screen 631.

When the reject cash information (for example, "ID1 Fujino Taro storage period 100 days") is pressed by a bank employee on the storage period registration screen 631, a unique general period is provided for the reject cash information. May be good. In this case, when the reject cash information is pressed, the displayed storage period registration screen 631 is switched to the original period registration screen 634 illustrated in FIG. On the unique period registration screen 634, when the bank employee specifies the unique period by pressing the numeric keypad and presses the "OK" button, the designated unique period is provided in the reject cash information. As a result, after that, the general period for the rejected cash information is set as the designated unique period and processing is performed. On the other hand, when the "return" button is pressed by the bank employee on the original period registration screen 634, the displayed original period registration screen 634 is switched (returned) to the storage period registration screen 631.

Then, when the "end" button is pressed by the bank employee on the storage period registration screen 631, the storage period registration screen process (S152) ends, and the storage period registration process illustrated in FIG. 14 ends.

Next, the deposit transaction status confirmation process executed when the customer confirms the deposit transaction status of the rejected cash on the mobile terminal 30 will be described with reference to FIGS. 16 and 17. FIG. 16 is a flowchart illustrating the flow of the deposit transaction status confirmation process. FIG. 17 is a diagram illustrating a display screen displayed on the customer's mobile terminal during execution of the deposit transaction status confirmation process.

As illustrated in FIG. 16, when the deposit transaction status confirmation process is started, the mobile terminal 30 transmits an inquiry request for the deposit transaction status of the rejected cash of the customer to the host computer 20 (S161). This inquiry request includes the customer ID of the customer.

When the host computer 20 receives the inquiry request from the mobile terminal 30 (S162), the host computer 20 extracts the reject cash information corresponding to the customer ID included in the inquiry request (S163), and carries an inquiry response including the extracted information. It is transmitted to the terminal 30 (S164). Here, the reject cash information extracted in S163 is recorded in the HDD 203 corresponding to the information extracted from the reject cash deposit information table 501 recorded in the HDD 203 and the image ID included in the information. Includes images.

When the mobile terminal 30 receives the inquiry response from the host computer 20 (S165), the reject cash deposit transaction status screen (nighttime deposit status confirmation screen) illustrated in FIG. 17 is based on the information included in the inquiry response. 641 is displayed (S166). The deposit transaction status screen 641 displays the deposit transaction status of rejected cash that the customer has deposited in the past.

Next, the mobile terminal 30 performs a deposit transaction status screen process that performs a corresponding process according to the customer's operation on the deposit transaction status screen 641 (S167).

Specifically, when the reject cash information (for example, "Reject deposit of XX days 25,500 yen is being processed") is pressed on the deposit transaction status screen 641, the displayed deposit transaction status screen 641 is displayed in FIG. 17. Switch to the detailed information screen 642 illustrated in. In addition, on the deposit transaction status screen 641, "processing" indicates that the approval status is unapproved.

On the detailed information screen 642, the detailed information of the reject cash information pressed on the deposit transaction status screen 641 is displayed. On the detailed information screen 642, the "fixed amount" is an amount corresponding to the number of denominations registered by the bank employee. However, if the number of registered denominations by the bank employee has not been registered, the fixed amount will be -yen. The "estimated amount" is an amount according to the number of registered denominations by the customer. In addition, a list of rejected cash images is displayed on the detailed information screen 642. Here, when any of the images is pressed by the customer, the displayed detailed information screen 642 is switched to the image display screen 643 illustrated in FIG. On the image display screen 643, an enlarged image of the image pressed on the detailed information screen 642 is displayed. When the "back" button is pressed by the customer on the image display screen 643, the displayed image display screen 643 is switched (returned) to the detailed information screen 642. Further, when the "return" button is pressed by the customer on the detailed information screen 642, the displayed detailed information screen 642 is switched (returned) to the deposit transaction status screen 641.

Then, when the "finish" button is pressed by the customer on the deposit transaction status screen 641, the deposit transaction status screen process (S167) ends, and the deposit transaction status confirmation process illustrated in FIG. 16 ends.

As described above, according to the transaction system 1, even if the cash deposited in the cash machine 10 by the customer performing the deposit transaction is rejected by the cash machine 10, the rejected cash is deposited without going to the bank counter. Since the transaction becomes possible, the burden on the customer related to the reject cash deposit transaction can be reduced. As a result, for example, the convenience of a customer who can use the cash machine 10 only at night is improved, and the satisfaction level of such a customer can be improved.

In the above-mentioned transaction system 1, the reject cash deposit transaction with the cash machine 10 may be possible only for customers with high creditworthiness. In this case, for example, it may be determined whether or not the customer has a high credit rating based on the customer credit rating information included in the customer information recorded in the HDD 203 of the host computer 20. Customer credit information includes, for example, information such as whether or not there is a relationship with antisocial forces, whether or not there is a financial trouble, and whether or not there is collateral.

Further, the notification period registered in the storage period regulation information table 502 is not limited to one, and may be plural (for example, 990 days and 10 days). In this case, a plurality of notification periods may be registered in the storage period registration screen process (S152) illustrated in FIG. Further, in the window 622a of the second alarm screen 622 illustrated in FIG. 13, which is displayed near the expiration date of the storage period, a message indicating that the reject cash deposit transaction, refund, etc. cannot be performed after the expiration date is further displayed. You may.

Further, the notification period registered in the storage period regulation information table 502 is set to the interval for transmitting the second alarm notification (for example, every month), and the processes of S146 and S147 illustrated in FIG. 12 are periodically performed in the second. It may be a process of sending an alarm notification of.

Further, in the process illustrated in FIG. 12, the destination of the first alarm notification and the second alarm notification is not limited to the customer's mobile terminal 30, but an information processing terminal other than the customer's mobile terminal 30 (for example, a PC (Personal)). Computer)) may be used.

Further, in the process illustrated in FIG. 16, the process performed by the customer's mobile terminal 30 may be a process performed by an information processing terminal (for example, a PC) other than the customer's mobile terminal 30.

Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various improvements and changes can be made without departing from the gist of the present invention.

1 Trading system 10 Cash machine 20 Host computer 30 Mobile terminal 40 Network 101 Passbook insertion / discharge unit 102 Card insertion / discharge unit 103 Coin deposit / withdrawal unit 104 Banknote deposit / withdrawal unit 105 Display input unit 111 Control unit 112 Card processing unit 113 Passbook processing unit 114 Coin processing unit 114a Reject coin camera 114b Reject coin storage cassette 115 Banknote processing unit 115a Reject banknote camera 115b Reject banknote storage cassette 116 Processor 117 RAM
118 HDD
119 Graphic processing unit 120 Input / output interface 121 Communication control unit 122 Bus 123 Display device 124 Input device 125 Portable recording medium 131 Image acquisition unit 132 Storage unit 133 Correction unit 134 Communication unit 201 Processor 202 RAM
203 HDD
204 Graphic processing unit 205 Input / output interface 206 Communication control unit 207 Bus 208 Display device 209 Input device 210 Portable recording medium 221 Image reading unit 222 Approval unit 223 Communication unit 501 Reject cash deposit information table 502 Storage period regulation information table 601 Selection screen 602 Registration screen 603 Correction screen 604 Image display screen 611 Approval system screen 612 First approval screen 613 Second approval screen 621 First alarm screen 621a window 622 Second alarm screen 622a window 631 Storage period registration screen 632 General period Registration screen 633 Notification period registration screen 634 Original period registration screen 641 Deposit transaction status screen 642 Detailed information screen 643 Image display screen

Claims (7)

It is a method of depositing rejected cash, which is cash that has been deposited in a cash machine by a customer and rejected by the cash machine.
Get the image of the reject cash,
The rejected cash is stored in the storage section of the cash machine,
Read the image of the reject cash to obtain the number of denominations of the reject cash,
When the number of rejected cash denominations is modified according to the input of the customer, the modified number of rejected cash types matches the actual number of rejected cash denominations collected from the storage unit. When the input to that effect is made, the above-mentioned reject cash deposit transaction is approved, and
When the number of rejected cash denominations was not corrected, it was input that the number of rejected cash denominations matches the actual number of rejected cash denominations collected from the storage unit. If you approve the reject cash deposit transaction,
A deposit transaction method characterized by that. If it is input that the corrected denomination number of the rejected cash or the denomination number of the rejected cash does not match the actual denomination number of the rejected cash collected from the storage unit, the above The collected reject cash is stored without approving the reject cash deposit transaction.
The deposit transaction method according to claim 1, wherein the deposit transaction method is characterized in that. When the storage period of the collected rejected cash exceeds a predetermined period, an alarm is notified to the customer's mobile terminal.
The deposit transaction method according to claim 1 or 2, wherein the deposit transaction method is characterized in that. When the inquiry request of the deposit transaction status of the reject cash is received from the mobile terminal of the customer, an inquiry response including the information of the deposit transaction status of the reject cash is transmitted to the mobile terminal of the customer.
The deposit transaction method according to any one of claims 1 to 3, wherein the deposit transaction method is characterized in that. A trading system that includes a cash machine and a host computer
The cash machine
An image acquisition unit that acquires an image of rejected cash, which is cash that has been deposited into the cash machine by a customer and rejected by the cash machine.
The storage unit that stores the rejected cash and
A correction unit that corrects the number of rejected cash denominations according to the customer's input,
Sending the image of the reject cash to the host computer, receiving the number of denominations of the reject cash from the host computer, and the corrected money of the reject cash when the correction is made by the correction unit. A communication unit that transmits the number of types or the number of denominations of the rejected cash when the correction by the correction unit is not performed to the host computer.
With
The host computer
Receiving the image of the rejected cash from the cash machine, transmitting the number of denominations of the rejected cash to the cash machine, and the corrected money of the rejected cash when the correction by the correction unit is performed. A communication unit that receives from the cash machine the number of types or the number of denominations of the rejected cash when the correction is not performed by the correction unit.
An image reading unit that reads an image of the rejected cash and acquires the number of denominations of the rejected cash.
The number of corrected denominations of the rejected cash when the correction is made by the correction unit, or the number of denominations of the rejected cash when the correction is not made by the correction unit, and the said number of denominations collected from the storage unit. When an input is made to the effect that the actual number of rejected cash types matches, the approval department that approves the rejected cash deposit transaction and
To prepare
A trading system characterized by that. It ’s a cash machine,
An image acquisition unit that acquires an image of rejected cash, which is cash that has been deposited into the cash machine by a customer and rejected by the cash machine.
The storage unit that stores the rejected cash and
A correction unit that corrects the number of rejected cash denominations according to the customer's input,
Sending the image of the rejected cash to the host computer, receiving the number of rejected cash denominations from the host computer, and the corrected denomination of the rejected cash when the correction is made by the correction unit. A communication unit that transmits the number of sheets or the number of rejected cash denominations when the correction is not performed to the host computer, and
A cash machine characterized by being equipped with. The host computer
Receiving an image of rejected cash that has been deposited into a cash machine by a customer and rejected by the cash machine and stored in the storage unit of the cash machine from the cash machine, and the number of rejected cash denominations When the number of denominations of the reject cash is corrected by the cash machine and the number of denominations of the reject cash is corrected by the cash machine, the number of denominations of the reject cash or the number of denominations of the reject cash is corrected by the cash machine. A communication unit that receives the number of rejected cash denominations from the cash machine when the cash is not received.
An image reading unit that reads an image of the rejected cash and acquires the number of denominations of the rejected cash.
The gold of the reject cash when the number of denominations of the reject cash is corrected by the cash machine and the number of denominations of the reject cash after correction or the number of denominations of the reject cash is not corrected by the cash machine. When an input is made to the effect that the number of types and the actual number of rejected cash collected from the storage unit match, the approval unit that approves the deposit transaction of the rejected cash and the approval unit.
A host computer characterized by being equipped with.

Images