JP2766603B2 - Pre-processing equipment in transaction processing equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is applied to a teller machine shared by a teller of a bank. In particular, the present invention makes it possible to reduce the waiting time of a teller by making cash depositing and withdrawing work for the teller machine more efficient. The present invention relates to a pre-processing device in a transaction processing device.

[0002]

2. Description of the Related Art Conventionally, cash transactions (replenishment and collection) are performed at a counter of a bank store with respect to a deposit / withdrawal machine (hereinafter, referred to as a teller machine) for loose coins / bills used individually by tellers. For example, Japanese Unexamined Patent Publication No.
A "banknote collection processing device" disclosed in Japanese Patent No. 26997 is already known. In a bank provided with such a teller machine and a teller machine, for example, cash drawn by the teller from the teller machine before the start of business (hereinafter referred to as replenishment cash)
Is carried to the teller machine and loaded, and during the course of business, if the cash in the teller machine may exceed the predetermined amount and overflow, the teller may use surplus cash (hereinafter referred to as collected cash). Is withdrawn from the teller machine, brought to the teller machine, and the cash is collected by the teller machine. In addition, even if cash in the teller machine runs short during business processing, the teller withdraws cash (supplementary cash) from the teller machine and loads the cash into the teller machine.

[0003]

By the way, in the above-mentioned teller machine, when depositing and withdrawing cash, it is roughly divided into pre-processing (data input processing for inputting data such as transaction type and transaction amount). And post-processing (cash processing to actually deposit and withdraw cash based on the data entered in pre-processing), but when operating the teller machine, pre-processing takes longer time than post-processing. There was a problem that would.
Moreover, about one such teller machine is installed in one store and operated intensively, so that one teller spends a lot of time on pre-processing and the use time is long. If this had happened, later tellers would have to queue and wait, which could hinder business.

The present invention has been made in view of the above circumstances, and a teller performs pre-processing at his / her own seat, stores the pre-processing data in an IC card, and sends the IC card to a cashier. The purpose of the present invention is to provide a pre-processing device in a transaction processing device that can insert and make the teller machine perform only post-processing that takes less time, thereby eliminating the waiting time and efficiently operating the teller machine. I do.

[0005]

In order to achieve the above object, the present invention provides a teller ID data for identifying a teller, a teller machine ID data for identifying a teller machine used by the teller, a depositing process, and a payment process. An IC card in which preprocessing data including transaction instruction data is stored for instructing gold processing by type of money, and a card reader / writer capable of reading / writing data from / to the IC card, and the IC card , A teller machine that can write transaction instruction data for instructing the replenishment of deficit denominations and collection of surplus denominations, a card reader / writer that can read and write data to and from an IC card, and a teller Based on the transaction instruction data in the IC card written by the machine, withdrawal processing of the denomination deficit in the teller machine, surplus money in the teller machine And a cashier having a plurality of cash processors for performing the deposit processing of the cashier, and a card reader / writer of the cashier which is provided in a cashier / controller for comprehensively controlling the cash processor. It comprises a writer and a sub card reader / writer provided in each cash processing machine, and the cash controller based on the transaction instruction data read from the IC card by the main card reader / writer by the cash controller of the cash machine. The processing machine is set in the occupied state, and the cash processing machine in the non-occupied state is individually processed by the sub card reader / writer based on the transaction instruction data read from the IC card. ing.

[0006]

According to the present invention, transaction instruction data is written to the IC card inserted in the card reader / writer by the teller machine to instruct replenishment of a deficit denomination and collection of surplus denominations. Further, the IC card is transferred to a card reader / writer of the teller machine, and the teller machine outputs the denomination deficit on the teller machine based on the transaction instruction data in the IC card written by the teller machine. Since the money processing and the deposit processing of the denominations surplus in the teller machine are performed, the teller performs the process of inputting the transaction instruction data for a long time in front of the operation panel of the teller machine as in the past. It is not necessary, and the collection and replenishment of cash between the teller machine and the cashier can be efficiently performed. That is, in the pre-processing device of the transaction processing device of the present invention, the teller performs pre-processing using his / her own teller machine, and the pre-processed data
By storing the information in the C card and transferring the IC card to the teller machine so that only the post-processing which does not take much time is performed by the teller machine, a waiting time can be eliminated and the teller machine can be operated efficiently.

In addition, a card reader / writer of an accounting machine is
It comprises a main card reader / writer provided in an accounting controller that comprehensively controls the cash processing machine, and a sub card reader / writer provided in each cash processing machine,
Further, based on the transaction instruction data read from the IC card through the main card reader / writer, the cash handling machine is set in the occupied state and the cash processing machine in the non-occupied state is controlled by the cashier control device of the cashier. The cash processing is individually performed based on the transaction instruction data read from the IC card through the sub card reader / writer. In a non-occupied cash processing machine where no deposits and withdrawals are made, individual deposits and withdrawals can be made based on the transaction instruction data stored in the IC card, thereby reducing the waiting time of the teller at the cashier. Can be even less.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to FIGS. FIG. 1 is a plan view of a bank store. As is clear from the drawing, a teller indicated by reference numeral 1 sits along a counter 2 and serves customers over the counter.

In this counter 2, a plurality of teller machines 3 used by each teller 1 are arranged at regular intervals. As shown in FIG. 2, the teller machine 3 includes a teller control device 4 as a controller, a coin bulking and dispensing device 5 controlled by the teller control device 4,
It comprises a bill dispensing / dispensing device 6, a display unit 7, an operation unit 8 serving as input / output means, and a card reader / writer 9, and includes a coin dispensing / dispensing device 5 and a bill dispensing / dispensing device 6. Is shared by two tellers 1, and the other display unit 7, operation unit 8, and card reader / writer 9 are provided for each of the tellers 1.

Each component of the teller machine 3 will be described. First, the coin dispensing and dispensing device 5 is a circulation type in which the received coin is used as a dispensing coin. Specifically, when a deposit command is issued from the teller 1 through the operation unit 8, The discretionary coins inserted from the upper input section are discriminated while being conveyed one by one, and stored in the storage section of each denomination based on the discrimination result. When a withdrawal command is issued through the system, coins based on the content of the withdrawal instruction of the withdrawal command are ejected one by one from the storage unit of the denomination, and the coins are dispensed onto a tray set below. ing. The deposit processing of the loose coins inserted into the input section of the coin loosening / dispensing apparatus 5 is executed by pressing a start key (not shown) provided on the operation section 8.

The bill dispensing and dispensing device 6 is a circulation type in which the deposited bill is used as a dispensing bill. Specifically, a deposit command is issued from the teller 1 through the operation unit 8. In this case, discrimination is performed while transporting the deposited bills of roses inserted from the input section on the upper front of the aircraft one by one,
Based on the result of the discrimination, each denomination is stored in a storage unit. If a teller 1 issues a withdrawal command through the operation unit 8, one banknote is stored in the storage unit for each denomination. The money is dispensed to the dispensing section near the input section. Further, the deposit processing of the loose bills inserted into the insertion section of the bill dispensing / dispensing device 6 is executed by pressing a start key (not shown) provided on the operation section 8.

The card reader / writer 9 causes the teller 1 to write an operator's instruction input from the operation unit 8 as pre-processing data into an IC card 50 having a large storage capacity. Yes, specifically,
(1) Pre-processing data of a cash replenishment instruction which is an instruction to cause the cash shortage in the coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6 to be dispensed from the cashier 10, and (2) a coin dispensing / dispensing device. 5. This is for writing pre-processing data of a cash collection instruction, which is an instruction to collect the surplus cash in the paper money dispensing / dispensing device 6 to the cashier 10, and the like. The display unit 7 displays the contents of the deposit command and the dispensing command supplied to the coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6 from the operation unit 8 and is written on the IC card 50. It displays data, data to be written, and the like.

The teller control device 4 mainly performs the following controls (1) to (5). (1) a depositing process for depositing coins and bills into the coin loosening / dispensing device 5 and the bill loosening / dispensing device 6, respectively, based on a depositing instruction or a dispensing instruction instructed via the operation unit 8; The coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6 perform a dispensing process for dispensing coins and bills (control associated with the normal operation of the teller 1). In addition, the processing data at the time of deposit and withdrawal of the coin loosening and dispensing device 5 and the bill loosening and dispensing device 6 performed based on these depositing and dispensing instructions are supplied to the teller control device 4. Based on this processing data, the amount of money of each denomination in the coin dispensing / dispensing apparatus 5 and the bill dispensing / dispensing apparatus 6 is calculated, and the remaining amount data is stored in a remaining amount storage unit (not shown).

(2) Based on the money amount data stored in the money storage unit, it is determined whether the coins in the coin dispensing / dispensing device 5 and the bill dispensing / dispensing device 6 are short or surplus for each denomination. Then, based on the result of the determination, the pre-processing data of the cash replenishment instruction and the pre-processing data of the cash collection instruction are created, and these pre-processing data are written into the IC card 50 inserted in the card reader / writer 9, respectively. When the preprocessing data of the cash collection instruction for surplus cash is written, coins and bills are dispensed from the coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6 based on the contents of the preprocessing data. Make a withdrawal process.

There are two possible timings for making this determination. That is, the first stage is a case where the shortage and surplus of the cash have reached a certain amount but are not urgently needed.
Is a case where only an alarm is performed on the display unit 7 and the teller 1 makes the determination without necessarily forcing replenishment and collection of cash. Next, the second stage is a case where the shortage and surplus of cash have reached a certain amount and urgent replenishment and collection of cash are required. At this time, the teller control device 4 issues an alarm on the display unit 7. At the same time, have them immediately replenish and collect cash.

(3) When the replenishment command code (16) (described later) is read from the IC card 50 inserted in the card reader / writer 9, the payment is made from the teller machine 10 based on the replenishment command code. A process of depositing the replenished cash into the coin dispensing / dispensing apparatus 5 and the bill dispensing / dispensing apparatus 6 is performed. Note that this supplementary instruction code is
Based on the pre-processing data of the cash replenishment instruction stored in the C card 50, the teller machine 10 informs that the cash for replenishment to the coin loosening / dispensing device 5 and the bill loosening / dispensing device 6 has been dispensed. This is the information to be shown. Further, when the cash processing (replenishment processing) based on the replenishment instruction code is completed, the execution code (27) is written to the IC card 50 inserted in the card reader / writer 9 (described later). (4) The display unit 7 is supplied from the operation unit 8,
In addition to displaying the contents of the deposit command and the dispensing command for the coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6, the data written in the IC card 50 inserted into the card reader / writer 9 and the data to be written are to be written. Display data etc.

Next, the cashier 10 shared by the teller 1 will be described. The teller machine 10 is installed at the back of a bank store as shown in FIG. 1, and performs cash (replenishment cash, collected cash) deposit / withdrawal processing with a teller machine 3 installed at a counter 2. (Only post-processing). As shown in FIG. 3, the teller machine 10 has an operation panel 11A including an operation unit and a display unit, a cashier dispensing device 12, a coin dispensing device 12, a coin dispensing device 13, a bill dispensing device. A device 14, a banknote binding and storing device 15, a bundle / coin payout device 16, and a main card reader / writer 17. These devices 12 to 16 are ICs inserted into the main card reader / writer 17. The operation is performed based on the pre-processing data in the card 50.

A sub card reader / writer 12A is provided for each of the coin dispensing and dispensing device 12, the coin dispensing and depositing device 13, the bill dispensing and dispensing device 14, the bill binding and storing device 15, and the bundle / coin dispensing device 16. 16A are individually provided, and these sub card readers / writers 12A to 12A
In 6A, pre-processing data is read from the IC card 50, and the IC card 50 is inserted into the main card reader / writer 17 within a range that can be individually processed by the devices 12 to 16 based on the pre-processing data. Each of the devices 12 to 16 is driven in the same manner as in the case described above. In this case, the coin dispensing device 12 is driven based on the preprocessing data read from the IC card 50 by the sub card reader / writer 12A, and the IC card is dispensed by the sub card reader / writer 13A. 5
Based on the pre-processing data read from 0, the coin bulking and depositing device 13 is driven, and based on the pre-processing data read from the IC card 50 by the sub card reader / writer 14A, the banknote bulking and depositing / dispensing device 14 is operated. Driven, and the IC card 5 is driven by the sub card reader / writer 15A.
The banknote binding / storing device 15 is driven based on the preprocessing data read from 0, and the bundle / coin payout device 16 based on the preprocessing data read from the IC card 50 by the sub card reader / writer 16A. Is driven. The pre-processing data in the IC card 50 is stored in the card reader /
This is input by the writer 9.

Next, each component of the teller machine 10 will be described. The coin bulk dispensing device 12 has a plurality of storage units which are loaded at the start of business or the like and stores coins by denomination, and the coins in these storage units are stored in the IC card 5.
Based on the pre-processing data of the cash replenishment instruction read from 0, the corresponding denomination is paid out by a predetermined number of sheets one by one, and furthermore, is paid out on a tray provided in a cash outlet. It was done. The dispensed coins dispensed from the coin dispensing device 12 are deposited on the coin dispensing and dispensing machine 5 of the teller machine 3 as supplementary coins.

The coin rose depositing device 13 discriminates while depositing the deposited coins of the rose put in the upper loading portion one by one, and classifies and stores the coins in the storage portion of each denomination based on the discrimination result. The deposited coins inserted into the dispensing unit are classified and stored in the denomination storage unit based on the preprocessing data of the cash collection instruction read from the IC card 50. Note that the coins deposited in the coin bulk depositing apparatus 13 are coin bulk depositing / dispensing apparatuses 5 of the teller machine 3.
This is a collected coin that was withdrawn from. The processing of depositing loose coins inserted into the insertion section of the coin loosening apparatus 13 is executed by pressing a start key (not shown).

The paper money dispensing and dispensing device 14 is a circulation type in which the received paper money is used as a paper money to be dispensed. Specifically, the pre-processing data of the cash collection instruction is read from the IC card 50. In this case, the deposited bills of the roses inserted from the insertion section at the upper front of the machine body are discriminated while being conveyed one by one, and based on the discrimination result, are stored in the storage section of each denomination, Further, when the preprocessing data of the cash replenishment instruction is read from the IC card 50, the corresponding banknotes are fed out one by one from the storage unit of the denomination,
Withdrawal is made to the dispensing section above the aircraft.

The bills deposited in the bill dispensing / dispensing device 14 are collected bills dispensed from the bill dispensing / dispensing device 6 of the teller machine 3 and dispensed from the bill dispensing / dispensing device 14. The paid out bills are deposited in the bill dispensing and dispensing device 6 of the teller machine 3 as replenishment bills. Also,
In the banknote dispensing and dispensing device 14, the transport route between the storage unit and the dispensing unit branches, and by operating a distribution fork provided at the branch unit, a banknote binding and storing device 15 described later is moved to the side. It is possible to sort bills. The deposit processing of the loose banknotes inserted into the input section of the banknote bulking and dispensing apparatus 14 is executed by pressing a start key (not shown).

The banknote binding / storing unit 15 accumulates a predetermined number of banknotes conveyed through a communication path branched from the banknote dispensing / dispensing unit 14, binds the banknotes, and stores the banknotes by denomination. When a binding command is issued from the accounting controller 11, a binding process is performed. Note that the banknote binding and storing device 15 may be configured so that when preprocessing data of a cash replenishment instruction is read from the IC card 50, a banknote bundle of a corresponding denomination can be dispensed. The bundle / coin payout device 16 has a storage unit in which a banknote bundle in which banknotes are bundled in units of 100 and a bar in which coins are wrapped in units of 50 are stored by denomination. When the pre-processing data of the cash replenishment instruction is read from the IC card 50, the banknote bundle and the bar money stored in the storage unit are conveyed by the elevator and dispensed from the payout port on the upper part of the machine. It has become so.

The accounting controller 11 has the following (1) to
Perform the process of (3). (1) From the IC card 50 inserted in the main card reader / writer 17, pre-processing data of a cash replenishment instruction for causing the teller machine 3 to perform cash replenishment, and to collect cash from the teller machine 3 When the pre-processing data of the cash collection instruction is read, the apparatus group (12 to 16) is drive-controlled based on the pre-processing data (that is, post-processing is performed). Further, based on the pre-processing data in the IC card 50 read by the main card reader / writer 17, when the devices 12 to 16 perform replenishment and collection processing of cash, the replenishment of cash,
An occupation flag indicating that the device is in use is generated for the device to be subjected to the collection process.

(2) When the cash processing (post-processing) based on the pre-processing data of the cash replenishment instruction and the pre-processing data of the cash collection instruction is completed, the main card reader / writer 1
An execution code (25) is written into the IC card 50 inserted in the memory card 7 in the case of cash collection processing, and a replenishment command code (26) is written in the case of cash replenishment processing (described later).

In the cashier 10, the operation panel 11A
The data of the IC card 50 inserted in the main card reader / writer 17 may be changed via the. Further, the cashier 10 is not limited to the configuration as shown in FIG. 3. For example, as shown in FIG. 4, the coin dispenser 12, the coin dispenser 13, and the bill dispenser 10 shown in FIG. 3. Instead of the device 14, the banknote binding / storing device 15, and the bundle / coin payout device 16, a coin rose / coin deposit / withdrawal device 1
8. A bill rose / bundle depositing / dispensing device 19 may be provided.

A description will be given of the coin rose / coin deposit / withdrawal device 18 and the bill rose / bundle deposit / withdrawal device 19.
The coin rose / coins depositing / dispensing device 18 is composed of a coin rose processing unit and a coin bars processing unit. The coin rose processing unit accepts deposited coins in bulk from the bulk input unit and discriminates them one by one. After that, the coins are sorted and stored in the storage unit of each denomination, and coins are discharged from each storage unit and dispensed to the loose dispensing unit. It has a coin-roll storing section for storing the coins, and when dispensing, the coins in each coin-roll storing section are thrown out one by one and transported to a coin-roll payout port by an elevator.

In the coin handling section, the transport route from the storage section to the bulk ejection section is branched, and the sorting fork provided at the branch section is operated to remove the loose coins from the coin processing section. A predetermined number of coins (usually 50 coins) are accumulated in the coin-rolling unit, then wrapped in a bar shape, the denomination is checked, and the coin type is checked. It is stored in the type of coin-roll storage unit. Further, in the coin-roll processing unit, a coin-roll receiving port into which the coin-roll is inserted is provided, and further, after the coin-roll inserted into the coin-roll receiving opening is opened, the coin is sorted to the coin-bulk processing unit side. Means are provided, but the invention is not limited to such unsealing and sorting means, and the type of the bar inserted into the coin-roll receiving slot is checked, and the type of the bar is directly opened without opening the bar. It may be stored in the gold storage section.

The banknote rose / bundle depositing / dispensing device 19 is composed of a banknote rose processing unit and a bundle processing unit. The banknote rose processing unit receives and discriminates received banknotes one by one from a rose input unit. Based on the discrimination result, the banknotes are stored in denomination storage units, bills are fed from each storage unit and dispensed to the bulk ejection unit, and the bundle processing unit converts the banknote bundle into denominations. Has a bundle storage unit to store in the case of withdrawal,
The banknote bundle in each bundle storage unit is ejected one by one, and is conveyed from the elevator to the bundle outlet. In addition, the bill rose processing section can sort bills to the bundle processing section side by a sorting fork in the middle of a transport route for dispensing from the storage section in the bill rose processing section to the bulk ejection section. And the sorted banknotes are
After a predetermined number of sheets (usually 100 sheets) are stacked, they are bound by a band seal, the denomination is checked, and the denominations are stored in a bundle storage unit for each denomination.

The bundle processing unit further includes a bundle receiving port into which the bundle of bills is inserted, and an opening and distributing means for distributing the bundle of bills inserted into the bundle receiving opening to the bill loosening processing unit after opening the band. However, the present invention is not limited to such an opening and distributing means. The bundle put into the bundle receiving port is checked for denomination, and the bundle is stored in the bundle storage unit of the denomination without opening the bundle. You may. It should be noted that the above-mentioned coin rose / coin deposit / withdrawal device 18 and banknote rose / bundle deposit / withdrawal device 19
This is performed based on the pre-processing data of the cash collection instruction written in the IC card 50, and the withdrawal from the coin rose / coin deposit / withdrawal device 18 and the bill rose / bundle deposit / withdrawal device 19
This is performed based on the preprocessing data of the cash replenishment instruction written in the IC card 50.

Further, the coin loose / coin deposit / withdrawal device 1
8. The banknote rose / bundle depositing / dispensing device 19 is provided with sub card readers / writers 18A and 19A similar to the above-described sub card readers / writers 12A to 16A, respectively, and these sub card readers / writers 18A and 19A are provided. In this example, preprocessing data is read from the IC card 50, and the devices 18 and 19 are individually driven based on the preprocessing data. That is, based on the pre-processing data read from the IC card 50 by the sub card reader / writer 18A, the coin looseness / coin bar deposit / withdrawal device 18 is driven, and from the IC card 50 by the sub card reader / writer 19A. Based on the read preprocessing data, the banknote looseness / bundle depositing / dispensing device 19 is driven.

Next, the control contents of the teller control device 4 for controlling the teller machine 3 will be described with reference to the flowchart of FIG. This flowchart shows the preprocessing performed by the teller machine 3.

Hereinafter, the flowchart will be described step by step. << Step 1 >> At the time of pre-processing, the teller 1 first inserts the IC card 50 into the card reader / writer 9 and writes pre-processing data (steps 7 and 1) to the IC card 50.
0) is set in a writable state. << Step 2 >> IC card 5 in card reader / writer 9
On condition that 0 has been inserted, the number of cash stored in the teller machine 3 for each denomination, that is, the cash data indicating the cash is read from the cash storage unit of the teller control device 4.

<Step 3> The money data read from the money storage unit is compared with the surplus judgment value stored in advance for each denomination. As a result, the money data is larger than the surplus judgment value. If it is determined that there is surplus cash in the coin bulking / dispensing apparatus 5 and the banknote bulking / dispensing apparatus 6,
Proceeding to step 4, if the money amount data is smaller than the surplus determination value and it is determined that there is no surplus cash in the coin dispensing / dispensing device 5 and the bill dispensing / dispensing device 6, the process proceeds to step 8. move on.

<< Step 4 >> If it is determined in step 3 that there is a surplus, information on the surplus denomination is displayed on the display unit 7. << Step 5 >> The display contents of the display unit 7 are referred to the teller 1, and the surplus denomination cash is further transferred to the coin dispensing / dispensing device 5 or the bill dispensing / dispensing device 6, or both of them.
Inputting a withdrawal command for withdrawal from 6 to the operation unit 8. Then, in this step 5, the process proceeds to the next step 6 on condition that a withdrawal command of the surplus denomination displayed on the display unit 7 is input to the operation unit 8. In addition,
The input operation of such a dispensing command is performed by a teller.

<< Step 6 >> to << Step 7 >> Based on the withdrawal command output in Step 5, cash of the surplus denomination is
Preparing cash collection instruction preprocessing data (described later) for dispensing coins from the coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6 and depositing the dispensed cash into the cashier 10, Write to the card 50. << Step 8 >> The cash data read from the cash storage unit and the shortage judgment value stored in advance are compared for each denomination. As a result, the cash data is smaller than the shortage judgment value.
If it is determined that there is a shortage of cash in the coin dispensing / dispensing device 5 and the banknote dispensing / dispensing device 6, the process proceeds to the next step 9, and the money amount data is larger than the shortage determination value. If it is determined that there is no shortage of cash in the coin dispensing / dispensing apparatus 5 and the bill dispensing / dispensing apparatus 6, the process proceeds to the next step 11. The shortage determination value has a relationship between the surplus determination value in step 3 and “insufficient determination value << surplus determination value”.

<Step 9> If it is determined in step 8 that the cash is insufficient, information on the deficit is displayed on the display unit 7. << Step 10 >> Pre-processing data (to be described later) of a cash replenishment instruction for dispensing the deficit denomination determined in step 8 from the teller machine 10 and replenishing the teller machine 3 is created, and IC Write to the card 50. << Step 11 >> The IC card 50 inserted in the card reader / writer 9 is released from the card reader / writer 9, and the flow chart is terminated.

Here, the contents of the preprocessing data of the cash collection instruction and the cash replenishment instruction created in steps 7 and 10 are shown in FIG.
0 will be described. The pre-processing data shown in this figure is
Each time the flowchart of FIG.
0 is written to the data table,
Therefore, only the latest preprocessing data is always stored in this data table.

The data written in the data table includes an ID code 20 for identifying the teller 1,
A teller machine code 21 for identifying the teller machine 3 used by the teller 1, a transaction type code 22 indicating the transaction type of deposit or withdrawal by denomination, transaction data indicating the number of coins or bills to be deposited or dispensed. 23, an instruction code 24 for instructing the depositing / dispensing process at the teller machine 10 by denomination, an execution code 25 indicating that the depositing / dispensing process based on the instruction code 24 has been executed at the teller machine 10, and dispensing at the teller machine 10. Replenishment command code 26 indicating that the spent cash needs to be deposited in the teller machine 3, an execution code 27 indicating that cash replenishment from the teller machine 10 has been performed by the teller machine 3 based on the replenishment command code 26, etc. There is.

In the codes written in the data table, "0" set by the transaction type code 22 indicates a deposit instruction to the teller machine 10, and indicates that the teller machine 3 has excess cash. ing. “1” set by the transaction type code 22 indicates a withdrawal instruction to the teller machine 10, and indicates that there is insufficient cash in the teller machine 3. Further, “0” set by the instruction code 24 does not instruct processing of deposit and withdrawal in the cashier 10, and “1” instructs processing of deposit and withdrawal in the cashier 10. Further, “0” set in the execution code 25 indicates that cash depositing / dispensing processing is not executed in the cashier 10, and “1” indicates cash depositing / dispensing processing in the cashier 10. Is executed.
“1” set in the replenishment command code 26 indicates that cash dispensed by the teller machine 10 needs to be deposited on the teller machine 3, and “0” indicates that cash is deducted from the teller machine 3. No. 3 does not need to be paid. “0” set in the execution code 27 indicates that cash depositing and dispensing processing is not executed in the teller machine 3, and “1” indicates that cash depositing and dispensing processing in the teller machine 3 is executed. It indicates that it has been done.

The data table shown in FIG. 10 will be described in detail.
Stores information about the teller machine 3 of "05" used by the user, and the number of tickets is in excess of 200, and the instruction code "0" is used to indicate the deposit at the cashier 10. (This represents pre-processing data of the cash collection instruction). Also, it is shown that the 5000 coins are in excess of 200, and the instruction code "0" indicates that the deposit at the cashier 10 is to be made. (This indicates the pre-processing data of the cash collection instruction.) Also, there is a shortage of 100 per thousand tickets, indicating that the withdrawal at the cashier 10 is instructed by the instruction code “1”. (This represents the preprocessing data of the cash replenishment instruction). The above is a description of a bill, but the same applies to a coin, and a detailed description is omitted.

In the flowchart of FIG. 5, whether the cash is surplus or insufficient is determined by the cash amount in the teller machine 3 and
The determination was made by comparing with a reference value stored in advance, but the present invention is not limited to this.
By referring to the display unit 7 which displays the cash amount in the above, it may be determined by each person.

Next, with reference to FIG. 6, the control contents of the cashier control device 11 for controlling the cashier 10 based on the preprocessing data will be described. The following flow chart shows post-processing when pre-processing data is read from the IC card 50 by the main card reader / writer 17.
In addition, the following flowchart will be described with reference to the cashier 10 in FIG. << Step 12 >> In the post-processing, first, the teller 1
Insert the IC card 50 into the main card reader / writer 17. << Step 13 >> The main card reader / writer 17 receives an I
Under the condition that the C card 50 is inserted, this IC
The pre-processing data is read from the card 50.

<< Step 14 >> A search is made as to whether or not the instruction code 24 of the IC card 50 includes "1" for instructing the depositing / dispensing process in the teller machine 10, and further the instruction code 24 is "1". Execution code 25 is "0"
(The processing at the teller machine 10 is not executed) or "1"
(The processing in the teller machine 10 has been executed). When the instruction code 24 is "1" and the execution code 25 is "0", the process proceeds to the next step 15, and when the instruction code 24 is "1" and the execution code 25 is "1", Goes to step 28. Step 14
Then, even when the instruction code 24 is "0", the process proceeds to step 28.

<< Step 15 >> Also, in Step 15
Then, based on the instruction code 24, the transaction type code 22, and the transaction data 23, the apparatus 1 of the cashier 10 used for post-processing
Specify 2 to 16 (denomination, withdrawal amount, and device 12 to be used)
16 to 16 are stored in advance, and the devices 12 to 16 to be used are determined based on this relationship. Occupancy flag shown. The information on the occupancy flag is stored in step 40 (FIG. 7) described later.
Used in step 40 '(FIG. 8).

<< Step 16 >> It is determined whether or not there is a code "0" instructing payment in the transaction type code 22 of the pre-processing data. If YES, the process proceeds to the next step 16,
If the determination is NO, the process proceeds to the next step 24. << Step 17 >> Coin bulking device 13 of cashier 10
It is determined whether or not cash has been inserted into each input unit of the bill dispensing / dispensing device 14, and the process proceeds to the next step 18 if NO, and proceeds to the next step 19 if YES.
The presence or absence of cash in the input unit is detected by a sensor (not shown). It should be noted that the cash put into each of the input sections of the coin loose deposit device 13 and the bill loose deposit and dispensing device 14 is the collected cash dispensed in step 6 in FIG.

<< Step 18 >> The collected cash dispensed from the teller machine 3 is deposited on the operation panel 11A of the teller machine 10 in the input sections of the coin dispensing device 13 and the bill dispensing and dispensing device 14, respectively. A message is displayed to urge the teller 1 to deposit the collected cash. << Step 19 >> The coin bulking device 13 of the cashier 10,
When cash is inserted into each input section of the banknote dispensing / dispensing device 14, the following step 20 is performed on condition that each start key of each coin dispensing device 13 and the banknote dispensing / dispensing device 14 is pressed. move on.

<< Step 20 >> The collected cash input into each input unit is transferred to the coin dispenser 13 and the banknote dispenser 1
4 to perform a deposit processing. << Step 21 >> A comparison is made for each denomination between the amount of cash deposited in step 20 and the transaction data 23 of the transaction type code "0" (deposit) indicated in the pre-processing data,
If the deposit amount and the transaction data 23 completely match each other, the process proceeds to step 23, and if the deposit amount does not completely coincide with the transaction data 23, the process proceeds to step 22.

<< Step 22 >> The operation panel 11A of the teller machine 10 is caused to display an alarm indicating that an abnormality has occurred. << Step 23 >> With respect to the pre-processing data stored in the IC card 50, after the execution code 25 in which the transaction type code 22 indicates "0" (payment processing) is rewritten from "0" to "1" The process proceeds to the next step 24. << Step 24 >> It is determined whether or not there is a code "1" for instructing withdrawal in the transaction type code 22 of the pre-processing data.
In the case of YES, the process proceeds to the next step 25, and in the case of NO, the process proceeds to step 27.

<< Step 25 >> The coin dispensing device 12,
A withdrawal process for paying out cash of a corresponding denomination to the banknote dispensing / dispensing device 14 based on the transaction data 23 in which the transaction type code 22 is “1” (withdrawal) set in the pre-processing data. Is performed. << Step 26 >> Replenishment cash withdrawal processing is performed on the IC card 50, and the replenishment instruction code 26 (see FIG. 10) indicating that the replenishment cash needs to be deposited in the teller machine (see code "1") ") Is written. Further, for the pre-processing data stored in the IC card 50, the execution code 25 in which the transaction type code 22 indicates "1" (withdrawal processing) is rewritten from "0" to "1". Proceed to step 27.

<< Step 27 >> In this step 27,
By going through steps 15-26, the devices 12-16
It is determined that the use state has ended, and the occupation flag generated in step 15 is cleared. Then the original step 1
Return to 4.

<< Step 28 >> The IC card 50 inserted in the main card reader / writer 17 is released and returned to the teller 1. Then, based on the flowchart of FIG. 6, if the supplementary cash from the teller machine 10 to the teller machine 3 has been dispensed, the teller 1 holds the supplementary cash and the IC card 50 and uses the teller machine to use. 3, the IC card 50 is inserted into the card reader / writer 9, and cash is dispensed from a coin dispenser 5, a bill dispenser 6.
Is performed (described later with reference to FIG. 9).

Next, referring to FIG. 7, sub-card reader / writer 13 of coin bulk depositing apparatus 13 which is a dedicated deposit machine.
Post-processing when A is used will be described. The flowchart of FIG. 7 shows the control contents of a control unit (not shown) for controlling the coin bulk depositing apparatus 13. The flowchart of FIG. 7 and the flowchart of FIG. 8 described later have a number of steps for performing the same processing as the flowchart shown in FIG. 6. Is omitted.

[Step 12A] In the post-processing, first, the teller 1 inserts the IC card 50 into the sub-card reader / writer 13A of the coin loose deposit device 13. << Step 40 >> According to a command from the accounting controller 11,
It is determined whether or not the coin depositing apparatus 13 is in the occupied state.
The process proceeds to 8A, and if NO in the occupied state, the process proceeds to step 13. It is to be noted that whether or not the coin bulk depositing apparatus 13 is in the occupied state in step 40 is determined based on whether or not the occupation flag of the coin bulk depositing apparatus 13 is set in step 15 in FIG.

The processing of steps 13 and 14 and steps 16 to 23 after << step 13 >> to << step 23 >>
This is the same as each step in FIG. 6, and a detailed description is omitted. Note that, among them, the alarm display shown in step 22 is performed not by the operation panel 11A but by the coin bulk depositing device 13. Step 1
If the cash deposit processing based on the pre-processing data of the cash collection instruction is completed after going through 3.14 and 16-21, in step 23, the sub card reader / writer 1
“1” of the execution code 25 is written to the corresponding portion of the IC card 50 in 3A. << Step 28A >> The IC card 50 inserted into the sub-card reader / writer 13A is returned to the teller 1, and this flowchart is ended.

Next, referring to FIG. 8, the sub-card reader / writer 12 of the coin dispensing and dispensing apparatus 12 which is a dedicated dispensing machine.
Post-processing when A is used will be described. The flowchart of FIG. 8 shows the control contents of a control unit (not shown) for controlling the coin dispensing device 12.

[Step 12B] In the post-processing, first, the teller 1 inserts the IC card 50 into the sub-card reader / writer 12A of the coin dispensing device 12. << Step 40 '>> It is determined whether or not the coin dispensing / dispensing apparatus 12 is in an occupied state according to a command from the cashier control apparatus 11, and if YES in the occupied state, the process proceeds to Step 28B. If NO in the occupied state, the process proceeds to step S13. It is to be noted that whether or not the coin dispensing device 12 is in the occupied state in step 40 'depends on whether or not the occupation flag for the coin dispensing device 12 has been set in step 15 in FIG. to decide.

The processing of steps 13 and 14 and steps 24 to 26 after << step 13 >> to << step 26 >>
This is the same as each step in FIG. 6, and a detailed description is omitted. Through these steps, cash withdrawal processing (post-processing) based on the pre-processing data of the cash replenishment instruction
Is completed, in step 26, "1" of the supplementary instruction code 26 is written in a corresponding portion of the IC card 50 in the sub card reader / writer 12A. << Step 28B >> The IC card 50 inserted in the sub card reader / writer 12A is returned to the teller 1, and the present flowchart is terminated.

Then, based on the flow chart shown in FIG. 8, when the replenishment cash from the teller machine 10 to the teller machine 3 is dispensed, the teller 1 holds the replenishment cash and the IC card 50, and Return to the teller machine 3 used by the user, insert the IC card 50 into the card reader / writer 9,
In addition, a replenishment process is performed in which cash is put into the coin dispensing / dispensing device 5 and the bill dispensing / dispensing device 6, respectively (described later with reference to FIG. 9). In the flowchart of FIG.
2 has been described as an example, but the same applies to the bundle / coin payout device 16 and the banknote binding / storing device 15 capable of discharging a banknote bundle. Similarly, as shown in step 40 (40 '), it is determined whether or not the occupation flag of the paper money dispensing / dispensing apparatus 14 has occurred, and the occupancy flag is raised. If not, a banknote deposit process (applying FIG. 7) and a payout process (applying FIG. 8) based on the preprocessing data are performed.

Next, with reference to FIG. 9, the replenishment processing of the teller machine 3 performed based on the preprocessing data will be described.
The flowchart of FIG. 9 shows the control contents of the teller control device 4 for controlling the teller machine 3. The pre-processing data in this case is the replenishment command code 26 (FIG. 1) written to the IC card 50 in the cashier 10.
0), which can be said to be so-called post-processing data written as a result of post-processing. However, this data is used by the teller machine 3 to perform a replenishment process which is post-processing. The data can be said to be pre-processed data written by the teller machine 10.

<Step 29> First, the teller 1 inserts the IC card 50 into the card reader / writer 9. << Step 30 >> The pre-processing data (see FIG. 10) of the IC card 50 inserted into the card reader / writer 9 is read.

<< Step 31 >> Whether or not the replenishment command code 26 (see FIG. 10) indicating that the replenishment cash dispensed from the teller machine 10 needs to be deposited in the teller machine 3 is written in the preprocessing data. It is determined whether or not the code is “1”, the flow proceeds to step 32 if the code is “1”, and the flow proceeds to step 39 if the code is “0” or NO. << Step 32 >> The coin bulking / dispensing device 5 of the teller machine 3,
It is determined whether or not cash has been inserted into each of the input sections of the bill dispensing / dispensing apparatus 6, and if NO, the next step 3
The process proceeds to step 3, and in the case of YES, proceeds to the next step. The presence or absence of cash in the input unit is detected by a sensor (not shown). Note that the bills inserted into the respective input sections of the coin loosening / dispensing apparatus 5 and the bill loosening / dispensing apparatus 6 are represented by Step 24 in FIG. 6 and Step 25 in FIG.
Is the replenishment cash that was withdrawn.

<< Step 33 >> The coin dispensing / dispensing device 5 and the bill dispensing / dispensing device 6 are displayed on the display unit 7 of the teller machine 3.
Of the replenishment cash dispensed from the teller machine 10 is displayed, and the teller 1 is prompted to deposit money into the teller machine 3. << Step 34 >> The process proceeds to the next step 35 on condition that the start keys provided on the coin dispensing / dispensing apparatus 5 and the bill dispensing / dispensing apparatus 6 are pressed.

<< Step 35 >> A deposit process is performed to deposit the refilled coins inserted into the respective input sections into the coin dispensing / dispensing device 5 and the bill dispensing / dispensing device 6. << Step 36 >> A comparison is made for each denomination between the amount of cash deposited in step 35 and the transaction data 23 of the transaction type code "1" (withdrawal) indicated in the preprocessing data,
When the deposit amount does not completely match the transaction data 23, the process proceeds to step 37, and when the deposit amount completely matches the transaction data 23, the process proceeds to step 38.

<< Step 37 >> The display unit 7 of the teller machine 3 is caused to display an alarm indicating that an abnormality has occurred. << Step 38 >> With respect to the IC card 50, the cashier 10
Is set to "1" indicating that the replenished cash dispensed from has been replenished to the teller machine 3, and the process proceeds to the next step 39. << Step 39 >> The IC card 50 inserted in the card reader / writer 9 is released and returned to the teller 1.

When the above-described flowchart of FIG. 6 is executed, the transaction history is sequentially stored as history data in a storage unit (not shown) of the cashier control device 11 of the cashier 10. . Specifically, as shown in FIG. 11, the serial number 30 of the transaction indicated by 001, 002, 003,..., The ID code 31 of the teller 1 using the teller machine 10, the teller machine used by the teller 1 3 is a code 32, and an execution code 25 is included in the preprocessing data (FIG.
) And transaction data 34 indicating cash transactions by denomination.

The transaction data 34 includes the transaction type code 22 indicating the deposit and withdrawal of the denomination, the transaction data 23 indicating the amount of deposit and withdrawal by the denomination, and the denomination every time the transaction is completed. Subtotal data 35 obtained by adding the transaction data 23 every time and total data 36 obtained by adding the transaction data 23 of the day every time one day's work is completed are provided.

As described in detail above, in the pre-processing device of the transaction processing device of the present embodiment, the teller machine 3 uses the IC card 50 inserted in the card reader / writer 9 for the shortage of denominations. Preprocessing data is written to instruct replenishment and collection of surplus denominations, and the IC card 50 is transferred to the main card reader / writer 17 of the teller machine 10. Based on the written pre-processing data in the IC card 50, the teller machine 3 is used to perform a shortage denomination withdrawal process and the teller machine 3 is used to deposit a surplus denomination. As described above, the teller 1 does not need to perform the process of inputting the pre-processing data for a long time in front of the operation panel of the teller machine, and can perform the cash collection and replenishment processes performed between the teller machine 3 and the teller machine 10. Do it efficiently It can be.

The card reader / writer of the teller machine 10 includes a main card reader / writer 17 provided independently in the teller controller 11 for comprehensively controlling the respective devices 12 to 16 of the teller machine 10, and a card reader / writer 17 for each device. And a plurality of sub-card readers / writers 12A to 16A respectively provided in each of the sub-card readers / writers 16 to 16, and the pre-processing read from the IC card 50 through the main card reader / writer 17 by the accounting controller 11 of the cashier 10. Based on the data, the devices 12 to 16 used for the deposit and withdrawal processing are set in the occupied state (see steps 15 and 27 in FIG. 6), and the devices 12 to 16 in the non-occupied state (step 40 in FIG. 7). (NO in step 40 'in FIG. 8), and the IC card 5 through the sub card reader / writers 12A to 16A.
Since the cash processing is individually performed based on the transaction instruction data read from 0, the deposit and withdrawal is performed while the deposit and withdrawal is being performed in the occupied devices 12 to 16. In the unoccupied devices 12 to 16 which are not
Individual deposits and withdrawals can be made on the basis of the transaction instruction data stored in the C card 50, whereby the waiting time of the teller at the teller machine 10 can be further reduced, and post-processing at the teller machine 10 can be made more efficient. Can be

In the flowchart shown in FIG. 6, the cashier 10 shown in FIG. 3 has been described as an example, but the cashier 10 shown in FIG. 4 has exactly the same processing contents. In addition, in the case of using the card readers / writers 18A and 19A to independently deposit and withdraw cash with respect to the coin roses / coins / bills depositing / dispensing device 18 and the banknotes rose / bundle depositing / dispensing device 19 of the teller machine 10, 7 is applied to the deposit processing, and the flowchart of FIG. 8 is applied to the dispensing processing.

[0071]

As is apparent from the above description, in the pre-processing apparatus of the present invention, the teller performs pre-processing on his / her own teller machine, stores the pre-processed data on an IC card,
By transferring the IC card to the teller machine side and performing only post-processing that does not take much time on the teller machine, there is obtained an effect that the teller machine can be operated efficiently without waiting time.

Further, in the pre-processing device of the present invention, the cash control device of the cash machine controls the cash processing machine to be in an occupied state based on the transaction instruction data read from the IC card through the main card reader / writer, and Since the cash processing machine in the occupied state is individually processed for cash based on the transaction instruction data read from the IC card through the sub card reader / writer,
While depositing and dispensing with the occupied cash processing machine, individual deposits and withdrawals are made based on the transaction instruction data stored in the IC card with the non-occupied cash dispensing machine where deposits and withdrawals are not made. Money can be paid, whereby the waiting time of the teller at the teller machine can be further reduced, and post-processing at the teller machine can be performed more efficiently.

[Brief description of the drawings]

FIG. 1 is a plan view showing an outline of a bank store.

FIG. 2 is a block diagram showing a configuration of the teller machine 3.

FIG. 3 is a block diagram showing a configuration of a first example of the teller machine 10;

FIG. 4 is a block diagram showing a configuration of a second example of the teller machine 10;

FIG. 5 is a flowchart showing pre-processing in the teller machine 3;

FIG. 6 is a flowchart showing post-processing in the teller machine 10;

FIG. 7 is a flowchart in a case where post-processing is independently performed by the coin bulk depositing apparatus 13;

FIG. 8 is a flowchart in a case where post-processing is independently performed by the coin dispensing device 12;

FIG. 9 is a flowchart showing a replenishment process in the teller machine 3;

FIG. 10 is a list of data tables stored in the IC card 50 for each transaction.

11 is a list of transaction history data tables stored in the IC card 50. FIG.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Teller 3 Teller machine (transaction processing device) 4 Teller control device 9 Card reader / writer 10 Cash dispensing machine (transaction processing device) 11 Cash dispensing control device 12 Coin dispensing device (cash processing machine) 12A Sub card reader / writer 13 Coin Bulk receiving device (cash processing machine) 13A Subcard reader / writer 14 Banknote receiving / dispensing device (cash processing machine) 14A subcard reader / writer 15 Banknote binding and storing device (cash processing machine) 15A subcard reader / writer 16 bundle / Banknote payout device (cash processing machine) 16A Sub card reader / writer 17 Main card reader / writer 18 Coin rose / coin money depositing / dispensing device (cash processing machine) 18A Subcard reader / writer 19 Banknote / bundle depositing / dispensing device ( Cash processing machine) 19A Sub card reader / writer 20 ID code (Teller ID data) (T) (Teller machine ID data) (Teller machine data) (Pre-processing data) 22 Transaction type code (Trading instruction data) (Pre-processing data) 23 Transaction data (Trading instruction data) (Pre-processing data) 24 Instruction code (pre-processing data) 25 Execution code (pre-processing data) 26 Replenishment instruction code (pre-processing data) 27 Execution code (pre-processing data) 50 IC card

Claims (1)

(57) [Claims] 1. Teller ID data for identifying a teller, teller machine ID data for identifying a teller machine used by a teller, and transaction instruction data for instructing a depositing process and a dispensing process by denomination. It has an IC card in which pre-processed data is stored, and a card reader / writer capable of reading / writing data to / from the IC card. Based on the transaction instruction data in the IC card written by the teller machine, the card reader / writer capable of writing / reading data to / from the IC card, Cashier with multiple cash processing machines that can process the denominations deficit on the teller machine and deposit the surplus denominations on the teller machine And a card reader / writer of the cashier, a main card reader / writer provided in a cashier controller for comprehensively controlling the cash processor, and a sub card reader / writer provided in each cashier. The cashier controller of the cashier sets the cash processor in the occupied state based on the transaction instruction data read from the IC card by the main card reader / writer, and sets the cash processor in the non-occupied state. Sub-card reader /
A pre-processing device in a transaction processing device, wherein a cash process is individually performed based on transaction instruction data read from an IC card by a writer.