JP2714371B2 - Cash processing system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a cash processing system for automatically performing currency deposit and withdrawal transactions at a financial institution such as a bank.

[0002]

2. Description of the Related Art In recent years, automatic transaction devices such as depositing and withdrawing devices have been installed in mechanized corners of banks and automatically withdraw (withdraw) cash (banknotes) using a transaction medium such as a magnetic card or a magnetic passbook. Money) or deposits (deposits) can be performed by the user himself, and the hours are extended after the closing of the bank counter,
There are also usages such as unmanned operation installed in stores such as department stores and supermarkets, and it is expected that the number of installations will increase further in the future.

[0003] Against this background, increasing the efficiency of the operating funds of the automatic transaction apparatus has become an important issue for financial institutions such as banks, as well as the efficiency and rationalization of personnel. In order to improve the efficiency of operational funds, which is one of the problems, an automatic transaction apparatus of a bill automatic circulation type in which a deposited bill is applied to a bill to be dispensed has been developed and put into practical use.

[0004]

Conventionally, an automatic transaction apparatus manages a safe in which banknotes for depositing and dispensing money are stored by denomination, and when the cash amount of the safe is almost full or almost empty, The status was notified by turning on a lamp or the like, and the staff was able to respond. Furthermore, when the safe is full or empty, the function of the automatic transaction device is automatically degenerated, and the effect is raised by operating only for depositing and withdrawing.

[0005] However, in recent years, automatic transaction devices have become widespread, and users are often queued in the automatic transaction devices. In the above-mentioned measures, the staff cannot take timely action, and the safe is full or empty. As a result, there is a problem that the user cannot perform the intended transaction and must stop the operation.

Further, there is a problem that the cash amount of each denomination safe of each automatic transaction apparatus cannot be managed in detail, and efficient fund management including cash of each automatic transaction apparatus cannot be performed.

Therefore, the present invention manages the cash of each automatic transaction device in real time and finely, realizes integrated fund management including cash in each automatic transaction device, improves fund management efficiency, and improves the operating rate. It is an object of the present invention to provide a cash processing system capable of improving a user service.

[0008]

A cash processing system according to the present invention executes an automatic transaction relating to cash, and has a plurality of automatic transactions each having a plurality of denomination storing sections for storing cash to be traded by denomination. a device, and a transaction controller for centrally controlling the respective plurality of automatic transaction apparatus, by connecting the plurality of automated teller machine and the transaction control system, information about the transaction details of cash of said plurality of automatic transaction apparatus wherein and a connecting means for transmitting to the transaction controller, said transaction controller, to manage the amount of storage of the plurality of automatic transaction machines their respective cash plurality of automatic transaction apparatus each denomination Storage means for storing information on the amount of cash stored in the storage section, and storage in the storage means
Of each of the plurality of automated teller machines
Based on the storage capacity of the delivery section,
Detecting means for detecting an end state or a near full state;
The plurality of automatic transaction devices stored in the storage unit
Based on information on the storage capacity of each type of storage
Display the operating status of each automated teller machine,
The near-end state or near-full state is detected by the detection means.
If issued, near-end state or near-full state
Display means for identifiably displaying that

[0009] In addition, cash processing system of the present invention, cash
Is to execute an automatic transaction regarding
It has a plurality of denomination storage units to store by denomination
A plurality of automatic transaction devices, and the plurality of automatic transaction devices
A transaction controller for centralized control of, respectively, by connecting said plurality of automated teller machine and the transaction controller, said transaction control information regarding transaction details cash of said plurality of self <br/> dynamic transaction device Connection means for transmitting to the device, said transaction control device
In order to manage the storage amount of cash each of the plurality of automatic transaction apparatus, of each of the plurality of automatic transaction apparatus gold
Storage means for storing information on the amount of cash stored in the type storage section; and storage means for storing the information
Storage of the denomination storage unit of each of the plurality of automatic transaction devices
Near-end status in each automated teller machine based on volume
Or detecting means for detecting a near full state;
Each of the plurality of automatic transaction devices stored in the stage
Based on the information on the storage amount of the denomination storage unit, each automatic
In addition to displaying the operating status of the transaction device, the detecting means
If near-end or near-full condition is detected at
In the case of near-end state or near-full state
Display means for identifiably displaying the information, and the storage means
Each of the plurality of automatic transaction devices stored in
Information about the storage amount of the type storage unit and the detection means
Near-end state or near-full state detected
Sender that sends information indicating that
And the automatic transaction device is the transaction control device.
Received from the automatic transaction device received by the denomination storage unit
Information on the amount of cash stored and the detection means
Near-end state or near-full state detected
And second display means for displaying information indicating the fact.

According to the present invention, a plurality of automatic transaction devices are centrally controlled by a plurality of automatic transaction devices.
Collection of cash stored in the denomination storage unit of each device
The information on the amount of payment is stored in the storage means, and the storage means
Revenue for each of the stored automatic transaction devices
Based on the storage capacity of the delivery section,
Has a configuration to detect the end state or near full state,
Near end state or near full state
By displaying it on the transaction control device or automatic transaction device
The operation status of each automatic transaction device is displayed on the display of the transaction control device.
You can easily judge just by looking at the stage, each automatic transaction
Integral management including equipment inventory will be possible
, Near-full or near-end status with automatic transaction equipment
If a condition is detected, attendants will look at the display means
Each automatic transaction device
In this case, efficient operation can be achieved. Also automatic
The storage status of the transaction device and the near-end status
By displaying the near full status, for example, the attendant
Is reduced by manual collection and manual replenishment.
Easy exchange of funds between automatic transaction equipment
Can be operated efficiently.

[0011] Therefore, by controlling each automatic transaction device in an integrated manner and managing the contents of transactions of each automatic transaction device and the amount of money in the denomination safe in real time in detail, the cash of each automatic transaction device can be managed in real time. Fine-grained management,
Integrated fund management including cash in each automated teller machine is realized.

[0012]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of a cash processing system according to the present invention. That is, for example, in a branch of a bank, a plurality of transaction controllers 1A and 1B for controlling automatic transaction devices in the branch are installed.
These transaction controllers 1A and 1B are connected to an in-store LAN (local area network) 2 as connection means. Automatic transaction devices in a branch are connected to the in-store LAN 2. The automatic transaction devices connected to the in-store LAN 2 include a plurality of automatic transaction devices (payment / withdrawal devices;
ATM) 3A to 3B, a bookkeeping machine 4, a balance inquiry machine 5, and the like. An automatic transaction device (payment / withdrawal device; ATM) 3C installed outside the store is connected to the in-store LAN 2 via a LAN connection adapter 6 installed in the store. These automatic transaction devices are centrally controlled and operated and managed by the transaction control devices 1A and 1B via the in-store LAN 2.

The transaction controllers 1A and 1B are connected to a host computer, a monitoring center, and the like via a telephone line. That is, modems 7A and 7B are connected to transaction control devices 1A and 1B, connected to center-side modems 8A and 8B by a specific line, and connected to computer center 9.
The computer center 9 stores transaction information for each account of a user who uses the automatic transaction apparatus, and updates transaction records of the account based on transaction information transmitted from the transaction control apparatuses 1A and 1B. And the transaction control devices 1A, 1B
To send transaction information based on the update result.

The transaction controllers 1A and 1B have a connection to another external line. That is, the transaction control device 1
A and 1B have NCU (Network Control
(Unit) Modems 10A and 10B are connected and connected to the public line network 11. Thereby, transaction control device 1A,
1B can transmit various types of information to the outside via the public line network 11.

Transaction control device 1 via public line network 11
A monitoring center 12 is a destination of information transmission from A and 1B. The monitoring center 12 monitors the operation state of the automatic transaction devices based on information from the transaction control devices 1A and 1B when the automatic transaction devices are operating unattended on holidays or the like. In addition, if necessary, remote control of automatic transaction equipment can be used to recover from a failure, an unrecoverable failure may occur, or replenish the media set inside the automatic transaction equipment. If it is determined that the patrol car 13 is traveling, an instruction is given to the patrol car 13 to perform a recovery process of the automatic transaction apparatus.

An instruction is sent to the patrol car 13 from the monitoring center 12 by a wireless system via the public line network 11. The patrol vehicle 13 always patrols a predetermined area and performs maintenance of automatic transaction equipment installed in the area. As a method of calling the patrol car 13, there are a method of calling from the above-mentioned monitoring center 12 and a method of calling directly from the transaction control devices 1A and 1B via the public line network 11.

The method of calling directly from the transaction controllers 1A and 1B means that when a failure occurs in the automatic transaction devices 3A to 3B, the failure cannot be recovered by remote control from the monitoring center 12 depending on the content of the failure. . For example,
When replenishment of journal paper or cash set in the automatic transaction apparatus becomes necessary, or a system error occurs, a failure occurs that cannot be recovered unless the automatic transaction apparatus is directly operated manually.

When the automatic transaction apparatus notifies the transaction controllers 1A and 1B of the occurrence of these failures, the transaction controllers 1A and 1B cannot recover from the reported failure report by remote control. It is determined that it is necessary to call the patrol car 13 immediately. Transaction control device 1A, 1B
Reports the failure to the monitoring center 12 as described above, and instructs the patrol car 13 to recover the failure directly to the patrol car 13 via the wireless system via the public line network 11 by the NCU modems 10A and 10B.

The transaction controllers 1A and 1B report the details of the fault to the patrol car 13 according to the details of the fault that has occurred. That is, transaction control apparatuses 1A and 1B transmit a character string determined in advance according to the content of the failure. This character string is notified to the patrol car 13 via the wireless system of the public line network 11. When the patrol car 13 receives the notification of the character string, the patrol car 13 displays the character string on a display mounted in the patrol car 13. This allows
The patrol vehicle 13 can directly receive the notification of the emergency failure that has occurred in the automatic transaction device, can quickly recover from the failure, and does not need to notify the patrol vehicle 13 from the monitoring center 12.

In particular, this function is also effective at the time of the near-end notification when the remaining amount of the medium becomes small. That is, when the remaining amount of the medium becomes small, the automatic transaction device can normally continue the transaction with the remaining amount. However, since the remaining amount of the medium is small, it is necessary to replenish the medium early. Therefore, when the near-end notification is sent to the patrol car 13, the patrol car 13 does not need to immediately rush, but can deal with it after processing an emergency property or by changing the patrol route. Operation becomes possible.

The transaction controllers 1A and 1B are connected to the public network 1
1 is connected to the service center 14. The service center 14 dispatches a service person who performs periodic inspection and maintenance when the automatic transaction equipment has failed and needs to be repaired or in order to prevent the failure.

The service center 14 collects failure data for each automatic transaction device via a public line network before dispatching a serviceman. That is, the service center 14
Instructs transaction controllers 1A and 1B to report fault data via public line network 11.

The transaction control devices 1A and 1B record the failure occurrence status of each automatic transaction device together with operating status data such as transaction data. Transaction control device 1A, 1
B sends the recorded fault data to the service center 1 based on the fault data report instruction from the service center 14.
Report to 4.

In the service center 14, based on the reported trouble data, the dispatched serviceman is instructed on what maintenance work should be performed, and the parts to be brought out are paid out.

The transaction controllers 1A and 1B are connected to the public network 11
Connected to the service center 14, the service technician dispatched from the service center 14 provides a manual for repairing the failure to the service center 1.
4 can receive. In other words, the service center 14 is always staffed with technical staff to assist the service technician. If the service technician cannot repair the product due to a complicated failure, the service center 14 can be repaired via the public network. Work instructions can be given.

That is, the technical staff of the service center 14 sends a repair manual to a service man dispatched to a branch as needed. When this repair manual is sent from the service center 14 to the transaction control devices 1A and 1B, it is further output to the automatic transaction device. The automatic transaction device prints a repair manual using a built-in printing device and outputs it to a service person.

However, if the printer that outputs the repair manual is out of order, the manual cannot be output. In such a case, the transaction control device 1
A and 1B are output to the printing device.

That is, when the transaction control devices 1A and 1B receive the repair manual from the service center 14,
It is determined whether or not output is possible to the printing device of the automatic transaction device based on the failure content reported from the automatic transaction device. If the trouble content does not affect the printing device (for example, a paper jam), a repair manual is sent to the automatic transaction device, and an output command is issued.

If it is determined that the repair device cannot be output due to the failure of the printing device, the transaction control device 1
A, 1B output to its own printing device. However, at this time, since the serviceman is repairing the automatic transaction apparatus, it is not known that the repair manual has been output. Therefore, the transaction control devices 1A and 1B display on the display unit such as the customer operation guide device of the automatic transaction device that the repair manual is output to the transaction control devices 1A and 1B.
Notify the service person. At this time, the automatic transaction apparatus sounds a built-in buzzer and guides a service person to refer to the display unit.

Here, automatic transaction devices connected to the in-store LAN 2 will be described. FIG. 2 is an external view of the automatic transaction devices 3A to 3B among the automatic transaction devices. Body 21
An L-shaped customer operation unit 103 is formed on the customer service surface side, and a passbook insertion slot 22, a card insertion slot 23, and a slip issuing port 24 are formed on the vertical surface, and on the horizontal surface. Is a CRT having a cash slot 25 and a plurality of operation buttons 26
A display unit (guidance display unit) 27 and a keyboard 28 such as a numeric keypad are provided.

FIG. 3 is a block diagram showing a schematic configuration of the automatic transaction apparatuses 3A and 3B. Automatic transaction equipment 3A-3B
Are connected to the in-store LAN 2,
Inside the 3B, there is a LAN adapter 101 and the in-store L
It is a connection to AN2. LAN adapter 101
Exchanges various data with the transaction control devices 1A and 1B via the in-store LAN 2. The LAN adapter 101 temporarily stores the information based on the information of each processing unit built in the automatic transaction apparatuses 3A to 3B, and stores the information in the transaction control apparatuses 1A and 1B.
It has a data editing function for transmitting and receiving data to and from B, and also has a function of controlling a data transmitting and receiving procedure (protocol) in the in-store LAN 2.

Further, inside the automatic transaction apparatuses 3A to 3B, a processing unit for performing transaction processing is built. The built-in processing units include a clerk operation unit 102, a customer operation unit 103, a card processing unit 104, a statement processing unit 105, a passbook processing unit 106, a bill processing unit 107, a coin processing unit 108
and so on.

The clerk operation unit 102 has an operation and display function for clerks, such as a bank clerk and a maintenance clerk, who manage the automatic transaction apparatuses 3A to 3B. That is, when setting bills and coins in the automatic transaction devices 3A to 3B, or when the automatic transaction devices 3A to 3B break down and need to be restored or repaired,
Displays necessary information to staff and guides operation. Further, when a clerk performs a necessary operation, the clerk has an input function such as designating the content of the operation to the automatic transaction apparatuses 3A to 3B and key input of information necessary for the operation.

As described above, the customer operation section 103 is a section for performing operation guidance and input for users (customers) who use the automatic transaction apparatuses 3A to 3B, and for operating the automatic transaction apparatuses 3A to 3B. Various displays (handling display, handling items), operation guidance by CRT and touch panel, operation input, and the like are performed.

The card processing unit 104 includes a card insertion slot 23
The user accepts the magnetic card brought by the user inserted in the device and reads the magnetic information. The read magnetic information is stored in a LAN
Transaction control device 1 via adapter 101 and in-store LAN 2
A, 1B. Further, it has a function of optically reading optical information on the surface of the magnetic card such as an embossed portion of the magnetic card. The read optical information is sent to the transaction controllers 1A and 1B, and is electronically recorded as a record of use of the magnetic card. The card processing unit 104 also issues and accepts a transfer card for designating and inputting a transfer destination in a transfer transaction. The statement slip processing unit 105 issues a transaction slip on which a transaction record is printed to a user who does not bring a passbook.
The printing information to be printed on the transaction statement is a transaction control device 1
Edited by A, 1B, LAN2 in the store, LAN adapter 1
01 to the statement processing unit 105.

The passbook processing unit 106 accepts the passbook carried by the user inserted into the passbook insertion slot 22, prints out a transaction record, and returns it. This transaction record is stored in the transaction control device 1
A and 1B inquire about the corresponding account information recorded in the computer center 9 and receive the passbook print information.

The passbook processing unit 106 also reads and writes magnetic information recorded on a magnetic stripe attached to the cover of the passbook. As a result, even a user who does not bring a magnetic card can perform various transactions with only a passbook.

Further, the passbook processing unit 106 automatically turns pages when the pages of the passbook to be printed are full and there are no more print lines, or when the last page of the passbook has been used. It also has a passbook issuing function for automatically issuing a new passbook.

The bill processing unit 107 has a deposit function for counting and accepting bills brought by a user for depositing and transferring, and a dispensing function for paying bills as payment or change to the user.

The bill processing unit 107 has a loading function for counting and receiving a bill when a staff member loads or replenishes a bill, and a scrutiny function for checking the actual number of cash in the automatic transaction apparatuses 3A to 3B. There is. With the loading function and the inspection function, cash management inside the automatic transaction apparatuses 3A to 3B can be reliably performed. The status of setting the cash is transmitted to the transaction control devices 1A and 1B via the LAN adapter 101 and the in-store LAN 2. These cash information is recorded in the transaction control devices 1A and 1B, and the automatic transaction devices are operated efficiently with each other, the efficient cash operation is calculated, and the staff is instructed to timely replenish or withdraw cash. .

The coin processing unit 108 has a deposit / withdrawal function and a loading / examination function for coins in the same manner as the bill processing unit 107, and performs cash management on coins. In such a configuration, for example, execution of a transaction by a user using the automatic transaction device 3A will be described. As an example,
A payment transaction using a magnetic card will be described. First, the transaction control device 1A inquires each processing unit of the automatic transaction device 3A via the in-store LAN 2 whether the transaction can be executed. Each processing unit of the automatic transaction apparatus 3A automatically checks that there is no abnormality in each part of the apparatus and that a built-in statement slip or cash required for the transaction is sufficiently set. A response of "transaction possible" is returned to the control device 1A.

Further, the transaction control device 1A applies to the computer center 9 connected by the specific line for permission to start handling. When "transaction permission" is instructed from the computer center 9, the transaction control device 1A starts the handling by the automatic transaction device 3A if the automatic transaction device 3A is in the "transferable" state.

In other words, while instructing the customer operation unit 103 of the automatic transaction apparatus 3A to display during handling, the CRT display unit of the customer operation unit 103 displays "Please come and press a transaction button ...". I do. Further, it instructs the card processing unit 104 and the passbook processing unit 106 to accept a card or a passbook. As a result, the user can handle the transaction with the automatic transaction apparatus 3A, and can start a transaction such as deposit, payment, or transfer as desired.

In the same manner, the automatic transaction devices such as the automatic transaction device 3B, the bookkeeping machine 4, and the balance inquiry machine 5 are set to the handling state. Next, the transaction control devices 1A and 1B will be described in detail. FIG. 4 is an external view of the transaction control devices 1A and 1B. Each of the transaction controllers 1A and 1B has a display unit 201 based on a plasma display, and displays the operating status of each automatic transaction device. A general-purpose key 202 is arranged below the display unit 201. The general-purpose key 202 enables an operator to perform an operation in a normal operation and to switch display contents of the display unit 201. I have.

That is, the function of each key is displayed at the lower part of the screen of the display unit 201 in correspondence with the position of each key of the general-purpose key 202. By pressing the corresponding key in accordance with this display, a predetermined function can be selected or input. The function of each of the general-purpose keys 202 can be switched as needed, and the display at the bottom of the screen of the display unit 201 is also switched in response to the switching.

The keyboard 203 does not normally need to be operated. Normally, if pressed, it is logically invalid. However, in special cases, the transaction control devices 1A, 1B
The keyboard 203 is enabled and can be input from the keyboard 203 when, for example, rewriting various conditions stored in the system or when issuing a special command to the automatic transaction apparatus.

The cut-sheet printing unit 204 is for a clerk to set a cut and print necessary print information. The operation status of each automatic transaction apparatus and information on the remaining amount of cash, medium, and the like are printed on this cutout by operating the general-purpose key 202 of the attendant.

The card reading unit 205 reads magnetic information recorded on the magnetic card by inserting and sliding the magnetic card brought by the attendant by hand. in this case,
The magnetic card includes a person in charge card, an administrator card, a maintenance card, and the like, and the contents displayed on the display unit 201 and operable menus are switched by each magnetic card. That is, of the magnetic information recorded on the magnetic card, the card number is registered in advance for each card classification. Therefore, the transaction control device 1
A and 1B can recognize the card classification by decoding the read card number, and switch the built-in program according to the card classification.

The magnetic card read by the card reading unit 205 is stored in the card holding unit 206. The magnetic card
While stored in the card holding unit 206, the magnetic information read by the card reading unit 205 is valid and can be operated. A floppy disk unit 207 is incorporated for exchanging programs of the transaction control devices 1A and 1B and for downloading stored data.

FIG. 5 is a block diagram showing a schematic configuration of transaction control devices 1A and 1B. The main control unit 200 controls the overall control. The main control unit 200 includes the display unit 2 described above.
01, a general-purpose key 202, a keyboard 203, a cut-sheet printing unit 204, a card reading unit 205, a card holding unit 206, a floppy disk unit 207, and a program storage unit 2 for storing a program of the main control unit 200.
08, a data storage unit 209 as storage means for storing data necessary for executing the program.

A hard disk drive 210 is connected to the main control unit 200 as a non-volatile memory.
Necessary data is written out of the program written in the program storage unit 208 and the data stored in the data storage unit 209. Further, the hard disk drive 21
In 0, a transaction record of a transaction executed by each automatic transaction apparatus is written.

The main control unit 200 includes a modem interface unit 211 for connecting to the computer center 9 via the modem 7A via a specific line, and a monitoring center 12, a patrol car 13 and a service center 14 via the NCU modem 10A. And a modem interface unit 212 for connection to the public line 11. The modem interface units 211 and 212 transmit data transmitted from the main control unit 200 to the modem 7 based on an instruction from the main control unit 200.
A and the NCU modem 10A in accordance with a predetermined procedure to control the output, and via the modem 7A and the NCU modem 10A, the computer center 9, the monitoring center 12, and the patrol car 1
3. There is a function of receiving various data transmitted from the service center 14 and outputting the data to the main control unit 200.

The main control unit 200 includes an in-store LAN 2
A LAN interface unit 213 is connected to the in-store LAN 2 for transmitting and receiving data to and from automatic transaction devices connected to the in-store LAN 2.

Further, an external printing section interface section 214 is connected to the main control section 200, and outputs a large amount of printing data which cannot be printed by the built-in cut-out printing section 204 to a separately installed printing apparatus. You can do it.

Next, the bill processing unit 107 will be described with reference to FIG. A bill taking-in / delivery mechanism 601 is provided on the front upper portion (left side in the figure) of the housing 600 so as to face the cash slot 25, and at the rear side (right side in the drawing) of the housing 600. ) Includes, in order from the bottom, various safes, that is, a reject box 602 for storing a 10,000 yen note and a 1,000 yen note for which withdrawal payment is not allowed, and a 5,000 yen for storing a deposit loss ticket and a deposited 5,000 yen note.・ Loss-of-pocket 603, Thousand-yen store 604 for storing 1,000-yen notes for withdrawal and deposits other than impaired, 6,000-yen for storing 10,000-yen notes for withdrawal and deposits of 10,000 yen other than impaired 60
5, a loading box 606 for storing loaded and collected bills, and a collecting box 607 for storing forgotten bills.

In the housing 600, an inspection section 608 for inspecting the banknote P and a temporary stacking section 609 are provided, and a banknote transport path 610 is formed.
The bill P can be conveyed to each section. Distributing gates 611a to 611g, which are driven by a rotary solenoid (not shown), are provided at a branch portion of the banknote transport path 610, and banknote passage detectors (not shown) are provided at various points along the way. ing.

The bill transport path 610 is formed as follows. That is, the taking-in / conveying path 61 starting from the bill taking-in / sending-out mechanism 601 provided corresponding to the deposit / withdrawal port 25.
0a is formed, and the take-in transport path 610a is in communication with a central transport path 610b in which the inspection unit 608 is disposed in the middle. The central transport path 610b is in a state of communicating with a section transport path 610c along the direction in which the bill storage units 603, 604, 605, and 606 are arranged.

The reject storage 6 is placed in the sectioned transport path 610c.
02, each bill storage unit 603, 604, 605, 606,
Further, storage transport paths 610d, 610e, 610f, 610g, and 61 for storing banknotes P in the collection box 607.
0h and 610i are branched. In addition, the section conveyance path 6
10c, each bill storage unit 603, 604, 605, 6
Take-out transport paths 610j, 61 for transporting the banknotes P taken out via the take-out mechanism 612 provided in each of the reference numerals 06, 61
0k, 610l, and 610m join.

At the beginning of the central transport path 610b, the end of the sorting transport path 610c is communicated via a communication transport path 610n, and the bills P
The branch transport path 610q for transporting is branched. Further, a delivery conveyance path 610p for carrying the banknotes P in the temporary stacking unit 609 to the take-in / delivery mechanism 601 is provided.

In such a configuration, the bill P at the time of deposit is
Will be described. First, the banknotes P inserted into the cash slot 25 at a time are sequentially taken one by one by a banknote receiving / sending mechanism 601 provided opposite the cash slot 25.
It is sent to the central transport path 610b via the take-in transport path 610a, and the inspection unit 608 arranged in the middle thereof
True or false is determined. As a result, in the case of a genuine bill, it is transported as it is through the central transport path 610b and
The sorting gates 611c, 611d, and 611e disposed in the section conveying path 610c are selectively operated to be selectively distributed to the storing conveying paths 610e, 610f, and 610g. Then, the 5,000 yen damaged bill that cannot be used as a 5,000 yen note and a withdrawal bill,
03, Thousand-yen ticket in Thousand-yen store 604, Thousand-yen ticket in Thousand-yen store 60
5 respectively.

On the other hand, when it is determined that the ticket is a counterfeit, it is sorted by the sorting gate 611a to the branch conveyance path 610q side, and the temporary stacking section 609 is transferred via the branch conveyance path 610q.
Will be integrated. At this time, the banknotes P to be accumulated are the impeller 6
13 collectively orderly so that collective removal can be performed satisfactorily.

Then, when the bill presence / absence detector 614 detects that the bill P has been lost in the deposit / withdrawal port 25, the fake bills temporarily accumulated are directed toward the deposit / withdrawal port 25 via the delivery conveyance path 610p. Conveyed. At this time, the banknote P is held by the operation of the banknote take-in / delivery mechanism 601 so that the end of the banknote P projects from the cash slot 25 so that the user can easily and collectively pull out the banknote P. It is configured.

Next, the flow of the bill P at the time of dispensing will be described.
According to the specification of the payment type by the user, that is, the specification of the ten thousand yen ticket and the one thousand yen ticket, a safe for each denomination, that is, ten thousand yen
5, one by one from the 1,000 yen storage 604 via the take-out mechanism 612
The sheets are taken out one by one, and are fed into the section conveyance path 610c via the take-out conveyance paths 610k and 610l. Then, the vehicle travels straight through the sectioned conveyance path 610c and is sent to the central conveyance path 610b via the communication conveyance path 610n, and the inspection unit 608 checks whether the sheet is skewed or whether two sheets are picked up. "Impossible" is determined.

The banknote P determined to be “payable”
Are distributed to the branch conveyance path 610g side via the distribution gate 611a, are temporarily accumulated in the accumulation section 609, and are collectively paid out to the deposit and withdrawal port 25 after all the banknotes P are taken out.

On the other hand, the banknotes P determined to be “payable” by the inspection unit 608, such as skews and two-sheets, are not sorted by the sorting gate 611a, and are not sorted by the central transfer path 610b.
, And is fed into the section conveying path 610c. Then, the sheet is sorted by the sorting gate 611b to the lowermost storage conveyance path 610d, and is stored in the reject storage 602.

Also, at the time of deposit and withdrawal, the deposit and withdrawal port 2
If the user forgets to take the banknote P of No. 5, the take-in transport path 610
a, the central transport path 610b, the section transport path 610c, and the collection warehouse 607 via the uppermost storage transport path 610i.
It is constituted so that it may be conveyed and stored.

Next, cash management of the automatic transaction apparatuses 3A, 3B, 3C by the transaction control apparatuses 1A, 1B will be described in more detail. As shown in FIG. 7, the data storage unit 209 of each of the transaction control devices 1A and 1B stores a table of the number of coins and the maximum number of coins for each automatic transaction device (ATM) 3A, 3B and 3C for each safe. I have. These information are backed up by a battery, and the transaction control device 1
The information is retained even if the power of A and 1B is cut off.

Then, when cash enters or exits each safe by user transaction or clerk processing of the automatic transaction apparatus 3A, 3B, 3C, as shown in FIG. The entry / exit category and number of safes are set, and are transmitted from the automatic transaction apparatuses 3A, 3B, 3C to the transaction control apparatuses 1A, 1B via the in-store LAN 2. Here, in the entry / exit category, "out" indicating removal from the safe, "in" indicating storage in the safe, and "present" indicating the number of cash in the safe are set.

Next, cash information by each operation of the automatic transaction apparatuses 3A, 3B, 3C will be described. First, the loading process by the attendant will be described with reference to the flowchart shown in FIG. A clerk processing request is made from the clerk operation unit 102,
The loading process is designated by the clerk process selection. Staff operation unit 1
02, the loading storage 6 of the banknote processing unit 107
A 10,000 yen ticket and a 1,000 yen ticket are set in 06, and a start instruction is issued. Thereby, banknotes are sequentially taken out from the loading storage 606,
Inspection / counting, the genuine ten thousand yen ticket is stored in ten thousand yen storage 605,
Thousand-yen bills are stored in a thousand-yen store 604, and ten-thousand-thousand-yen bills are stored in a reject store 602.

At the end of the loading process, the cash information 411
(Refer to FIG. 8) is set to “enter” in the entry / exit section of the 10,000 yen store 605, the 1,000 yen store 604, and the reject store 602, and the number of sheets stored is set in the number of sheets.
Is transmitted to the transaction control devices 1A and 1B via the in-store LAN 2.

In recent years, the extension of the operating time of the automatic transaction apparatus and the holiday operation have been widely established. In order to cope with this, in the present embodiment, not only the loading storage 606 is used for loading and retrieving but also collecting. It is used as a backup safe for the 10,000 yen storehouse 605 so that it can operate longer. In this case, the clerk loads a 10,000-yen ticket in advance into the storage 606.
, And when the 10,000 yen storehouse 605 becomes near-end, it is automatically refilled from the loading storehouse 606 to the 10,000 yen storehouse 605,
When 10,000 yen store 605 becomes near full, 10,000 yen store 605
From the storage 606 automatically.

In this case, the preliminary loading process by the attendant is shown in FIG.
This will be described according to the flowchart shown in FIG. A clerk processing request is made from the clerk operation unit 102, and a preliminary loading process is designated by selecting a clerk process. According to the guide of the attendant operation unit 102, a pre-loaded 10,000 yen ticket is set in the loading box 606 of the banknote processing unit 107, and the amount of money or addition is designated according to the set section selection guide. In the case of designation of money, the number of money in the storage 606 is designated.
In 06, the number of sheets added is designated.

After the designation of the attendant, when cash is specified, as shown by reference numeral 412 in FIG. 8, “in” is set in the entry / exit section of the loading storage 606, the number of coins is set in the number of copies, and additional designation is performed. In the case of, as shown by reference numeral 413 in FIG.
In the entry / exit category of 6, "in" is set, and in the number of sheets, the additional number is set.
It is transmitted to the transaction control devices 1A and 1B in the same manner as described above.

Next, the automatic replenishment / recovery process will be described with reference to FIG.
This will be described according to the flowchart shown in FIG. In the transaction control devices 1A and 1B, after the user transaction processing of the automatic transaction devices 3A, 3B, and 3C or the clerk processing is completed, the automatic transaction devices separated from the vault of FIG. The near end and the near full of each automatic transaction apparatus are sequentially checked using the high number and the maximum number of stored sheets table information 311 (see FIG. 7).

When the near end is detected, the information on the number of loaded stocks 312 (see FIG. 7) of the automatic transaction apparatus is checked. 312, the smaller value is set as the number of sheets to be refilled, and A is added to the automatic replenishment instruction information shown in FIG.
The TM equipment number, the automatic replenishment instruction section, and the determined number of automatic replenishment are set, and transmitted to the automatic transaction apparatus via the in-store LAN 2.

In the automatic transaction apparatus, upon receiving the automatic replenishment instruction information shown in FIG.
, And sequentially replenish the banknotes 605 up to the instructed automatic replenishment number. When this is completed, the cash information 414 (see FIG. 8) is set to “exit” in the entry / exit section of the loading storage 606, the number of sheets to be taken out is set to the number of sheets,
5 is set to "in" and the number of sheets is set to the number of stored sheets, and transmitted to the transaction control devices 1A and 1B in the same manner as described above.

When near-full is detected, the number of sheets that can be stored is obtained by subtracting the number-of-money information 312 (see FIG. 7) from the maximum-number-of-stored information 313 (see FIG. 7) of the loading warehouse 606 of the automatic transaction apparatus. It is checked whether or not storage is possible. If possible, the predetermined number of automatic collections is compared with the calculated number of storages, and the smaller value is set as the number of collections, and the automatic collection instruction information shown in FIG. A
The TM device number, the automatic collection instruction section, and the determined number of automatic collection are set, and transmitted to the automatic transaction apparatus via the in-store LAN 2.

In the automatic transaction apparatus, upon receiving the automatic collection instruction information shown in FIG.
Banknotes are sequentially taken out from No. 5 and collected in the loading storage 606 up to the specified number of automatic collections. When this is completed, the cash information 415 (see FIG. 8) is set to “in” in the entry / exit section of the loading storage 606, the number of collections is set in the number of copies,
5 is set to "out" and the number of sheets to be taken out is set to the number of sheets to be taken out, and transmitted to the transaction control devices 1A and 1B as described above.

Next, the manual replenishment process by the attendant will be described with reference to the flowchart shown in FIG. A clerk processing request is made using the clerk key in the clerk operation unit 102, and manual replenishment processing is designated on the clerk processing selection screen of the customer operation unit 103. According to the guide of the customer operation unit 103, a replenishment bill is set in the cash slot 25 of the bill processing unit 107, the bill is taken in by closing the door of the cash slot 25, inspection / counting is performed, and the counted amount is operated by the customer. It is displayed on the unit 103 and the amount is confirmed.

When the confirmation key is pressed, the bills are stored in each safe. At this time, the cash information 416 (see FIG. 8)
"In" is set in the entry / exit section of the ten thousand yen store 605 and the thousand yen store 604, and the number of stored genuine bills is set in the number of sheets. Also,
At this time, 10,000 yen, 1,000 yen loss, and 5,000 yen
It is stored in the unfit banknote storage 603, "in" is entered in the entry / exit section of the 5,000 unfit banknotes 603, and the number of storages is set in the number of copies.

In this confirmation, when the cancel key is pressed, the banknote is returned to the deposit / withdrawal port 25, and if the banknote is taken out, the process is terminated without transmitting cash information. Is collected in the collection box 607. At this time,
The cash information 417 (see FIG. 8) is set to “enter” in the entry / exit section of the collection box 607, the number of pieces to be collected is set to the number of pieces, and transmitted to the transaction control devices 1A and 1B in the same manner as described above.

Next, the manual collection process by the attendant will be described with reference to the flowchart shown in FIG. A clerk processing request is made using the clerk key in the clerk operation unit 102, and a manual collection process is designated on the clerk processing selection screen of the customer operation unit 103. According to the guide of the customer operation unit 103, the user inputs a collection amount. Enter the collected amount into the customer operation unit 10
Display on 3 and confirm the amount. When the confirmation is pressed, the collected amount is taken out from the ten thousand yen storage 605 and the one thousand yen storage 604 of the bill processing unit 107, and the rejected ticket is rejected to the reject storage 602.
Then, the counted 10,000 yen ticket and 1,000 yen ticket are set in the deposit / withdrawal port 25. At this time, the bill extracting guide is displayed on the customer operation unit 103, and the door of the cash slot 25 is opened.
Wait for cash to be removed.

When the door of the cash slot 25 is closed or a time-out occurs, the banknote remaining in the cash slot 25 is checked. If there is any residue, it is stored in the collection box 607. At this time, the cash information 418 (see FIG. 8)
In addition, the “in” and “out” sections of the 1,000 yen store 604 are set to the number of sheets to be taken out. For example, "in" is set in the entry / exit section of the collection box 607, the number of collections is set in the number, and transmitted to the transaction control devices 1A and 1B in the same manner as described above.

Next, the scrutiny and collection processing by the attendant will be described with reference to the flowcharts shown in FIGS.
A clerk processing request is made from the clerk operation unit 102, and a scrutiny process is designated by selecting the clerk processing. In this way, it is checked whether or not the load storage 606 is empty, and if it is not empty, a guide for extracting bills from the load storage 606 is displayed on the attendant operation unit 102. According to this, the loading storage 606 is extracted, the bills in the loading storage 606 are taken out, and an empty loading storage 606 is set.

At this time, if the loading storage 606 is empty, the banknotes are sequentially taken out in the order of ten thousand yen storage 605, one thousand yen storage 604, and five thousand / unfitted bill storage 603, inspected, counted, and collected in the loading storage 606. Then, check whether or not the loading storage 606 is full,
If it is full, the staff operation unit 102 displays a guide for extracting banknotes from the load storage 606. According to this, the banknotes in the loading storage 606 are taken out and reset as described above.

When the removal of each safe is completed, the banknotes are removed from the loading storage 606 again in the same manner as described above. Next, if there are any banknotes in the reject storage 602, a similar guide is displayed on the attendant operation unit 102 and the banknotes are displayed. Take out and reset. Finally, the collection box 607 is processed in the same manner, and the card processing unit 10
The inspection information is printed by the printer No. 4. At this time,
Since the cash information 419 (see FIG. 8) is emptied for each safe, "in" is set in the entry / exit category and "0" is set in the number of copies.
Similarly, it is transmitted to transaction control devices 1A and 1B.

In the payment process of the user, the same information as the cash information 416 is set, and in the withdrawal process, the same information as the cash information 418 is set and transmitted to the transaction control devices 1A and 1B. You.

Next, processing of cash information from the automatic transaction apparatuses 3A, 3B, 3C in the transaction control apparatuses 1A, 1B will be described with reference to the flowchart shown in FIG. When the transaction control devices 1A and 1B receive the cash information shown in FIG. 8, the number of cash in each safe of the corresponding ATM device number in the table for each automatic transaction device and each safe stored in the data storage unit 209 in FIG. Is updated based on the incoming / outgoing classification and the number of the safes in the received cash information. At this time, the entry / exit category is "out"
In the case of, subtraction is performed in the case of "on", and addition is performed in the case of "at".

Then, the number of cash in each safe of the automatic transaction apparatus, the risk area (for example, less than “100” or “1700” or more) predetermined for each safe, and the caution area (for example, “ 100 to 300 "or" 1500 to 1700 ") to judge a dangerous state or a cautionary state, and to judge anything else as a safe state. In addition,
In this case, when the loading storage 606 is used as a ten-yen ticket reserve safe and the states of the loading storage 606 and the ten thousand yen storage 605 are different, both safes are determined to be in a safe state.

When there are many safes to be judged and their statuses are different, it is necessary to clarify the correspondence and determine the final status of the automatic transaction apparatus. For example, the priority of status is danger, caution, safety, and the order of safes in the same status is 10,000 yen, 1,000 yen, 5,000
The order of the collection box, the reject box, and the loading box is set, and the upper state is the state of the automatic transaction apparatus.

According to the state of the automatic transaction apparatus, the ATM apparatus number, the customer guidance word number (see FIG. 12), the state of each safe, and the number of moneys are set in the customer guidance instruction information shown in FIG. Send to device. Next, the automatic transaction devices 3A, 3A are displayed on the display unit 201 of the transaction control devices 1A, 1B.
The operating status of B and 3C is displayed. At this time, the danger state is reversed blinking, the caution state is reversed, and the safety state is normal display,
Further, the number of money in each safe is displayed in a graph.

Thus, the operation status of each automatic transaction device can be determined at a glance of the screen, and the integrated management including the amount of money of each automatic transaction device together with the on-hand funds becomes possible.
Efficient fund management can be easily realized.

When the automatic transaction apparatus to which the customer guidance instruction information of FIG. 11 is transmitted is received, the customer guidance message (FIG. 11) is displayed on the customer guidance panel (not shown) of the attendant operation unit 102 based on the customer guidance text number. 12), and furthermore, the status of each safe and the number of coins are displayed (encoded if necessary) for the lobby staff.

By this panel guidance, the user can be informed of the degeneration of the function of the automatic transaction apparatus, and it is possible to avoid that the user cannot receive the target service due to the sudden automatic degeneration.
The service to the user is greatly improved, and the automatic degeneration of the automatic transaction apparatus can be avoided, so that the operation rate can be improved.

Further, by displaying the status of each safe and the number of coins in the safe for the lobby staff of the panel, the lobby staff can easily exchange funds between the automatic transaction apparatuses by performing the manual collection processing and the manual replenishment processing. Thus, each automatic transaction device can be operated efficiently.

In the above-described embodiment, only the bill is explained, but coins can be processed in the same manner.
In addition, for the other issuance media having no counting function, the set number can be manually input and the number of issued media can be counted by software.

[0097]

As described above in detail, according to the cash processing system of the present invention, each of a plurality of automatic transaction apparatuses is controlled centrally.
Control multiple automatic transaction devices
The amount of cash stored in the denomination storage unit
The information is stored in the storage means, and is stored in the storage means.
Amount of storage by denomination for each of multiple automated teller machines
To the near-end status of each automated teller machine based on the
Or near-full state.
State or near full state
Or, by displaying on the automatic transaction device, each automatic transaction
The operation status of the device can be checked only by looking at the display means of the transaction control device.
It can be easily determined and includes the amount of money in each automated teller machine.
Integrated management and automatic transaction equipment
If near-full or near-end condition is detected at
In this case, the clerk etc. can easily determine just by looking at the display means
Function, so efficient
Operation can be planned. In addition, automatic transaction equipment
Storage status and near-end or near-full condition
By displaying, for example, a staff member can
And automatic replenishment processing makes automatic transaction equipment easy
Mutual funding (for example, agents are near full)
Manual collection of cash from detected automated teller machines
And the near-end condition is detected by the collected cash.
Manual replenishment of cash for automatic transaction equipment
And to operate each automatic transaction device efficiently.
Becomes possible.

Therefore, by controlling each automatic transaction device in an integrated manner and managing the contents of transactions of each automatic transaction device and the amount of money in the denomination-type safe in real time, the cash of each automatic transaction device can be controlled in real time. Fine-grained management,
Integrated fund management including cash in each automated teller machine is realized.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing a schematic configuration of a cash processing system according to an embodiment of the present invention.

FIG. 2 is an external perspective view of the automatic transaction apparatus.

FIG. 3 is a block diagram showing a schematic configuration of the automatic transaction device.

FIG. 4 is an external perspective view of the transaction control device.

FIG. 5 is a block diagram showing a schematic configuration of a transaction control device.

FIG. 6 is a schematic configuration diagram of a bill processing unit incorporated in the automatic transaction apparatus.

FIG. 7 is a view showing a table of the number of coins and the maximum number of sheets stored in a safe for each automatic transaction apparatus, stored in the transaction control apparatus.

FIG. 8 is a view showing contents of cash information sent from the automatic transaction apparatus to the transaction control apparatus and an example in each transaction.

FIG. 9 is a diagram showing the contents of automatic replenishment instruction information sent from the transaction control device to the automatic transaction device.

FIG. 10 is a diagram showing the contents of automatic collection instruction information sent from the transaction control device to the automatic transaction device.

FIG. 11 is a diagram showing contents of customer guidance instruction information sent from the transaction control device to the automatic transaction device.

FIG. 12 is a diagram showing an example of a relationship between a customer guidance word number and the status of each safe, and an example of a customer guidance word.

FIG. 13 is a flowchart illustrating a loading process performed by a staff member of the automatic transaction apparatus.

FIG. 14 is a flowchart illustrating a manual replenishment process performed by a staff member of the automatic transaction apparatus.

FIG. 15 is a flowchart illustrating a manual collection process performed by a staff member of the automatic transaction apparatus.

FIG. 16 is a flowchart for explaining a scrutiny and collection process by a clerk of the automatic transaction apparatus.

FIG. 17 is a flowchart for explaining a scrutiny collection process by a staff member of the automatic transaction apparatus.

FIG. 18 is a flowchart for explaining automatic replenishment / collection processing from the transaction control device to the automatic transaction device.

FIG. 19 is a flowchart for explaining a process in which the transaction control device updates a cash amount table for each automatic transaction device and sends customer guidance instruction information to the automatic transaction device based on cash information from the automatic transaction device.

[Explanation of symbols]

1A, 1B: Transaction control device, 2: In-store LAN (connection means), 3A, 3B, 3C: Automatic transaction device, 7A, 7
B, 8A, 8B: Modem, 9: Computer center, 10
A, 10B: NCU modem, 11: Public line network, 2
00: Main control unit, 201: Display unit, 209: Data storage unit (storage unit), 211, 212 ... Modem interface unit, 213 ... LAN interface unit, 6
02-607 ... safe.

Claims (2)

(57) [Claims] Claims 1. An automatic transaction for cash
In several, the cash to be traded is stored by denominationDenomination income
Delivery departmentA plurality of automatic transaction devices each havingthese Centralized control of multiple automatic transaction devices
A control device, connecting the plurality of automatic transaction devices and the transaction control device.
The plurality of automatic transaction devicesCash transaction detailsAbout
Connection means for transmitting information to the transaction control device, wherein the transaction control device comprises:Equipment itManage each cash storage amount
In order to do so, each of the plurality of automatic transaction devicesDenomination
Storage sectionRecord information about the amount of cash stored in
RememberStorage meansWhen,The plurality of automatic transaction devices stored in the storage means
Each automatic collection is based on the storage capacity of each denomination storage unit.
The near-end or near-full condition of the pulling device.
Detecting means for emitting, The plurality of automatic transaction devices stored in the storage unit
Based on information on the storage capacity of each type of storage
Display the operating status of each automated teller machine,
The near-end state or near-full state is detected by the detection means.
If issued, near-end state or near-full state
Display means for identifiably indicating that  A cash processing system comprising: (2)Executes automatic transactions related to cash
In order to store the cash to be traded by denomination,
A plurality of automatic transaction devices each having a storage section, Each of these multiple automated teller machines Centrally controlled transactions
A control device;The plurality Connect the automatic transaction device and the transaction control device
And saidpluralAutomatic transaction equipmentCash transaction detailsAbout
Connection means for transmitting information to the transaction control device,The transaction control device, SaidpluralManage the amount of cash stored in each automated teller machine
In order to do so, each of the plurality of automatic transaction devicesDenomination
Storage sectionRecord information about the amount of cash stored in
RememberStorage meansWhen,The plurality of automatic transaction devices stored in the storage means
Each automatic collection is based on the storage capacity of each denomination storage unit.
The near-end or near-full condition of the pulling device.
Detecting means for emitting, The plurality of automatic transaction devices stored in the storage unit
Based on information on the storage capacity of each type of storage
Display the operating status of each automated teller machine,
The near-end state or near-full state is detected by the detection means.
If issued, near-end state or near-full state
First display means for identifiably displaying The plurality of automatic transaction devices stored in the storage unit
Information on the storage amount of each type of storage and the previous
Near end status or near end
Information to the automated teller machine
Transmitting means for transmitting, The automatic transaction device, Denomination of the automatic transaction device received from the transaction control device
Information on the amount of cash stored in another storage
And the near-end state detected by the detection means or
Second table displaying information indicating the near full state
Indicating means A cash processing system comprising: