JP2518244B2 - Automatic transaction processor - Google Patents

Description

BACKGROUND OF THE INVENTION The present invention relates to an automatic transaction processing device such as an automatic teller machine,
In particular, the present invention relates to an automatic transaction processing device equipped with a circulation type deposit / withdrawal device in which a storage box for deposit cash and a storage box for dispense cash are shared.

Various media such as banknotes, coins, slips, transfer cards, and passbooks are used in the transaction processing device. These media will increase and decrease as transactions progress.
If the amount of medium becomes too small, it will be necessary to replenish it, and if it becomes too large, it will be necessary to collect it. Therefore, when these situations occur, the operation of the transaction processing device must be stopped, and the staff must perform the replenishment and recovery work.

Conventionally, a transaction in which a cash storage box dedicated to withdrawing cash to be discharged in a transaction for payment and a cash storage box dedicated to deposit for storing cash invested in a deposit transaction are separately provided There was a processor. In such a transaction processing device, the amount of cash to be set in the cash storage box dedicated to withdrawal at the start of operation is determined by the number of sheets required for the withdrawal transaction, so the end of the month, the end of the year, or a specific day of the month. Even if a different amount than on weekdays is needed, the staff could have a good idea, so it was possible to set an appropriate amount.

However, a transaction processor equipped with a cash deposit box for common withdrawal and receipt of money, and a circulation type deposit / withdrawal device for feeding out dispensed cash from this storage box and storing the deposited cash in the same deposit box has recently become mainstream. Is becoming. Since the amount of cash stored in the cash storage box of such a device constantly increases and decreases, it has become very difficult for the clerk to judge the initial set amount. When the bills and coins overflow or run out, the transaction processing device goes down as described above, which lowers the operating efficiency and requires a staff member to visit each time.

SUMMARY OF THE INVENTION It is an object of the present invention to provide an automatic transaction processing device capable of predicting an appropriate initial set amount of medium.

An automatic transaction processing device according to the present invention is a remaining amount counting means for counting the remaining amount of a medium which changes in response to the movement of a medium, and a minimum remaining amount of the medium in one day based on the count value of the remaining amount counting means. And a storage device for detecting and storing the maximum remaining amount, means for calculating an expected set amount based on the minimum remaining amount and the maximum remaining amount of a specific past day stored in the storage device, and the calculating means. It is characterized by comprising means for displaying the calculated expected set amount.

According to the present invention, the remaining amount of the medium that changes depending on the entrance and exit of the medium is counted, the minimum remaining amount and the maximum remaining amount in one day are detected based on this count value, and this is stored. Of the data accumulated in this way, the initial set amount is predicted based on the minimum remaining amount and the maximum remaining amount of the medium on a specific day in the past. Therefore, the clerk can use this prediction to determine a relatively appropriate initial set amount. This makes it possible to improve the efficiency of fund management when the medium is cash.
Further, since it is expected that the ratio of the transaction processing device going down due to overflow or breakage of the medium can be expected to be reduced, the operating efficiency of the transaction processing device can be improved, and the clerk does not have to frequently go to the transaction processing device. It also leads to labor saving. Although the amount of medium entering and exiting differs depending on the installation location, shop, etc. of the transaction processing device, the present invention allows information to be stored for each transaction processing device, so that measures can be taken according to the status of each transaction processing device. is there.

Description of Embodiments FIG. 1 shows an outline of an electrical configuration of a transaction processing apparatus. The transaction processing device is connected to the control center by a communication circuit, a telephone line or a dedicated line.

The transaction processing device 10 is controlled by a central processing unit (hereinafter referred to as CPU), preferably a microprocessor 21, which has a memory 22 for storing a program for executing transaction processing, transaction amount and other transaction data. ing. The transaction processing device 10 includes a function key, a numeric keypad, an in-use display device, and the like, and a customer service operating device 24 for controlling these, a C for guiding the operating procedure to a customer.
An operation guide display device 25 including an RT, various data recorded on a magnetic card, such as a bank number, an account number, a personal identification number, and, if necessary, a card reader 26 for writing on the card, a slip and a journal. Voucher issuing machine 27 for printing transaction cards, passbook printing machine for printing transaction data on a passbook and reading or writing data such as an account number written on a magnetic stripe provided on the passbook
28, bill checker 29 for determining the authenticity and counting of banknotes for deposits or transfers into banknote slot 29, banknote ejector 30 for counting and ejecting banknotes to be released in withdrawal transactions, the same A coin ejector 31 for counting and ejecting coins, a clock 23, a medium for displaying the accumulated data on the amount of media in and out and the expected number of sets calculated based on the data, and for inputting the actual number of initial sets It is provided with a display / input device 32, a medium data memory 33 for accumulating data regarding the amount of input and output of the medium for a long time, and a transmission control device 34 for communicating with the control center, which are connected to the CPU 21. ing.
The medium data memory 33 is preferably a large capacity memory such as a so-called hard disk or floppy disk.

Various coins (1
There are yen, 5 yen, 10 yen, 50 yen, 100 yen, 500 yen), various banknotes (1,000 yen, 5,000 yen, 10,000 yen), slips, transfer cards, passbooks, etc. Since media other than coins and banknotes are only released, the amount of these media simply decreases as the transaction progresses. The coins and banknotes are stored in the storage box of the circulation type deposit / withdrawal device for each denomination, and are stored in the deposit transaction and released in the dispense transaction. The remaining number) will increase or decrease as the transaction progresses. FIG. 3 shows an example of how the remaining number of 10,000-yen bills changes in one day's transaction.
The number of sheets set in the storage box at the start of operation of the transaction processing apparatus is the initial set number. Starting from this initial set number, the remaining number increases or decreases as the transaction progresses. There is always a time at which the minimum remaining number of sheets MIN and a time at which the maximum number of remaining sheets MAX are reached in a day. Such minimum remaining number MIN and maximum remaining number MAX are very important factors in determining the initial set number.
This is because the bills run out when the minimum remaining number MIN approaches zero, and the bills overflow when the maximum remaining number MAX approaches the storable amount in the storage box.

The memory 22 has a medium data collection area as shown in FIG. 4 in order to constantly count the number of remaining sheets and to detect the above-mentioned minimum and maximum remaining numbers MIN, MAX and the like.
In this area, for coins and bills, for each denomination,
There are areas for storing the minimum remaining number MIN and the time when it is detected, the maximum remaining number MAX and the time when it is detected, and an area for counting the remaining number. These storage areas are updated for each transaction process as described later. Furthermore, for each denomination, there is also an area for storing sampling data at a fixed time (for example, 30 minutes) of the remaining number of coins. For other media such as slips, an area for counting the number of ejected sheets and an area for storing sampling data of the number of ejected sheets are provided.

Such daily media data is stored in the media data memory 33
Is accumulated in An example of the contents of this memory 33 is shown in FIG. The minimum remaining number MIN and the maximum remaining number MAX of all cash media are stored in the memory 33 for each day.
The number of ejected sheets is stored for each of the other media.

An example of the operation panel of the medium display / input device 32 is shown in FIG. This operation panel has a data display section 41,
Buttons / switches 42 for selection section, number display 43, set keys 44
And a numeric keypad 45 is provided.

The display unit 41 displays the minimum and maximum number MI of the cash media for each denomination, on the same day of the previous year, on the same day of the week or in the same month of the previous year, on the same day.
N, MAX data, the same data as the previous day, other media, the same week day of the previous year, the same month of the previous year, the same month of the previous year, the same day of the same day, the release number data, and the expected set number and the actual set number of all media are displayed respectively. It The selection push button 42 is for selecting the type of medium and is provided for each medium. The keyboard 45 is for inputting the number of sets, and the input number of sets is displayed on the display 43.

The expected number of cash media sets is the minimum in the past year or years, including the previous year, on the same day of the week and on the previous day,
It is calculated using a predetermined algorithm using the maximum remaining number MIN, MAX data. For example, an intermediate value between the average value of the minimum remaining number and the average value of the maximum remaining number is set as the expected set number. With respect to other media such as slips, the expected number of set sheets is calculated based on the past released number data.
For example, as described above, the expected set number of sheets is calculated as the average value of the number of discharged sheets on the related specific days such as the previous year and the year before last, and on the previous day, or as a value obtained by multiplying this by a certain number or adding or subtracting a certain number.

The expected set number calculated in this way is displayed on the display unit 41.
It is displayed in the column of the expected number of sets.

The clerk determines the actual set number by referring to the past data and the expected set number displayed on the display unit, and inputs the set number for each type of medium. That is, a medium is selected by the selection push button 42, and the number of sets for that medium is input using the ten keys 45.
Then, the entered set number is displayed on the display unit 43. When the attendant confirms the entered number by this display and presses the set key 44, the entered set number corresponds to the set number column of the display unit 41. The set number of sheets is stored as the initial value of the minimum and maximum remaining number of sheets MIN, MAX and the number of remaining sheets of the corresponding medium in the memory 22 described above while being displayed at the position of the medium.

 The above operation is performed for all media.

It goes without saying that the clerk puts the same number of cash, slips, etc. as the number of sets entered into each storage box.

FIG. 6 shows a schematic flow of operations in the transaction processing device.

After a predetermined initialization process is performed when the transaction processing device starts operating (step 51), the expected number of sets calculated after the end of the operation on the previous day (see step 67 described later) together with past data is displayed on the medium display / input device 32.
Is displayed on the display unit 41 (step 52). Looking at this display, the clerk determines the actual number of sets for each medium as described above, inputs the value using the ten keys 45 and the set key 44, and stores the determined number of sets of media in each storage box. (Step 53). The input number of sets is stored as an initial value in the data collection area of the memory 22 (step 54). This makes it possible to start trading (step 55).

Each time the customer makes a desired transaction (steps 56,5
7) There is cash in and out, and vouchers are released. Every time cash is discharged, the number of discharged cash is subtracted from the remaining number of the corresponding denomination in the data storage area of the memory 22, and the accepted number is added to the remaining number each time cash is received and the cash medium is added. The remaining number data is updated and the released number data is incremented for media other than cash each time a slip or the like is released.

Minimum remaining number MI of the same denomination as updated remaining number data
N data is compared, and if the remaining number data is smaller, the minimum remaining number MIN data is updated using this remaining number data and the time at that time is updated (steps 58 and 59). Similarly, the maximum remaining number MAX data is updated and the time is stored (steps 60, 6).
1). These processes are performed for each transaction process.

When the sampling time comes, the stored remaining number data is stored for each medium in the sampling data area of the memory 22 as sampling data at the corresponding time (steps 62 and 63).

At the end of the trading day (step 56), the total number of transactions on that day, the number of released non-cash media, the minimum number of cash media for each denomination, the maximum remaining number MIN, MAX, etc. Stored in the memory 33 in association with the date of the day (steps 64, 65, 66). Then, the expected set number of sheets for the next day is calculated by the above-described method for each medium and displayed on the display unit 41 together with the past data (step 67). The staff member should look at this display and decide the number of sets for the next day. In the above explanation, the words "data of the same week and day of the same week" and "data of the previous day" are used because it was assumed that the expected number of sets for the current day was calculated. It is obvious that "data for the next day on the same day and the same day" and "data for the current day" will be used.

Finally, end processing such as counting is performed (step 68),
One day operation of the transaction processor is over.

If the amount of cash of the denomination in operation of the transaction processing device is running low and the transaction is canceled, the procedure goes to the staff processing. First, the staff processing start time is stored in the memory 22 (step
69), the optimum set number is calculated using the sampling data of the denomination, the initial set number, the down time, the end time, etc. (step 70). Thereafter, the clerk determines the number of sets, sets the cash in the storage box (step 31), and inputs the number of sets using the medium display / input device 32 (step 72). As a result, the data of the relevant denomination in the data collection area of the memory 22 is updated. If cash overflows during a transaction or when a slip or the like runs out, the same processing is performed. in this way,
In this embodiment, the resetting amount is predicted based on the past data even when the device is down due to medium overflow or breakage during operation of the transaction processing device, so that the clerk can easily determine the resetting amount. . If such a reset is performed, the data to be stored in memory 33 will be modified using the reset number.

[Brief description of drawings]

FIG. 1 is a block diagram showing the electrical configuration of the transaction processing device,
2 is a plan view showing the operation panel of the medium display / input device, FIG. 3 is a graph showing an example of changes in the remaining amount of the medium,
FIG. 4 is a diagram showing the data collection area in the memory, FIG. 5 is a diagram showing an example of the contents of the medium data memory, and FIG. 6 is a flow chart showing the overall operation of the transaction processing apparatus. 10 ... Transaction processing device, 21 ... CPU, 32 ... Medium display / input device, 33 ... Medium data memory.

Claims (1)

(57) [Claims] 1. A remaining amount counting means for counting the remaining amount of the medium which changes in response to the entry and exit of the medium, and a minimum remaining amount and a maximum remaining amount of the medium in one day based on the count value of the remaining amount counting means. A storage device for detecting and storing the predicted set amount based on the minimum remaining amount and the maximum remaining amount on a specific past day stored in the storage device, and the forecast calculated by the calculating device. An automatic transaction processing device equipped with means for displaying the set amount.