JP2809461B2 - Cash management system - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a cash management system for managing cash handled in a branch of a financial institution or the like.

(Prior Art) At present, the following management of cash is performed in a financial institution, especially in a bank office. Cash processing is carried out by teller who is a customer representative at the counter at the counter, giving and receiving cash with the customer and processing the received cash, and a cash manager who looks at the amount of cash held by the teller. One accounting source supplies cash when it is short, and separates it into post-processing that collects cash when it is excess. The transfer of cash between the cashier and the teller is currently done in direct contact with human hands, and every time cash is transferred, the cash is counted and confirmed by hand. In this way, cash is transferred in direct contact with the hand of a person, so that the required amount of cash is aligned and delivered reliably, and because cash is frequently exchanged between the cashier and the teller, payment is made The former is done by a dedicated person. Furthermore, in order to guarantee that the cash has been passed between the two parties without error, a witness must be present at the spot, so that the cashier is always two people.

(Problems to be Solved by the Invention) As described above, the transfer of cash between the cash manager and the customer representative is performed by touching human hands, so the following problems occur. In other words, it is an inefficient task of counting cash by hand every time cash is exchanged frequently.

For this reason, there is a restriction that a dedicated cash manager must perform the necessary amount of cash to ensure that the cash is handed.

Also, two cash managers are required to ensure that the cash transfer was performed without error.

Further, since cash is frequently handed over, the burden of cash scrutiny work in the sales office, mainly by the cash manager, is large, and inconsistency between cash and information on the cash is likely to occur. For this reason, it is difficult to make payments on-line, and it is difficult to always grasp the amount of cash in the store in real time, check the consistency with the tally at any time, and find unprocessed or mistakes.

The present invention solves the above-mentioned problems, and allows cash to be transferred between a cash manager and a customer representative without directly touching the cash in a branch of a financial institution, thereby eliminating the need for a cash manager, and It is an object of the present invention to provide a cash management system that grasps the amount of cash handled in a branch in real time.

Another object of the present invention is to provide a cash management system for realizing the amount of cash in a branch of a financial institution at a center in real time.

(Means and Actions for Solving the Problems) In order to achieve the above object, a cash management system of the present invention for managing the amount of cash handled within a predetermined period in a branch of a financial institution is provided by the financial institution according to the present invention. At least one cash unit for managing cash handled within a predetermined period in a branch, one or more cash units for transferring cash from or to the cash unit, and cash being transferred to or from the cash unit; A portable cash storage means which is detachably attached to the depositing / dispensing means so as to transfer cash to each other, and which can transfer and receive cash when attached to the accounting means and the depositing / dispensing means. A first storage means for storing and displaying the amount of cash in the cash storage means and keeping the storage and display in a state where the cash is taken out from the depositing / withdrawing means or the cashing means; And a cash storage unit having a display unit, and a cash storage unit to which the cash storage unit is detachably attached for storing at least one or more of the cash storage units taken out from the accounting unit and the depositing / dispensing unit. A storage unit, a second storage unit, and are electrically connected to and controlled by the accounting unit, the depositing / dispensing unit, and the storing unit for the cash storage unit, and A payout unit; and a control unit that stores, in real time, information on cash in the cash storage unit attached to these units and the storage unit for the cash storage unit in the second storage unit.

In the cash management system configured as described above, when it becomes necessary to transfer cash between the accounting unit and the depositing / dispensing unit, the cash storage unit transfers cash between the accounting unit and the depositing / dispensing unit. Cash is exchanged without touching directly.

In addition, since the cash storage means taken out from the cashing means and the deposit / withdrawal means is stored in the cash storage means storage means,
The amount of cash in the financial institution's office is stored in real time in the storage means of the control means via these means, whereby the amount of cash in the financial institution's office is constantly grasped.

Further, a system for centrally managing information on cash in one or more of the cash management systems of the present invention in real time has at least one or more cash management systems,
And an information collection unit having a third storage unit for centrally managing information on cash in the one or more cash management systems, and transmitting information on cash from the one or more cash management systems to the information collection unit. And a transmission medium for electrically connecting the cash management system and the information collecting means.

In the system for centrally managing cash information of one or more of the cash management systems configured as described above in real time, the amount of cash in the branch of the financial institution obtained by the cash management system is determined by the cash management. The information is transmitted to the information collecting means installed in a place such as a center via a transmission medium by the system, and stored in the storage means of the information collecting means, whereby the financial institution is installed at the place where the information collecting means is installed. The amount of cash in the sales office is grasped in real time.

Example An example of the present invention will be described with reference to the drawings.

FIG. 1 is a schematic block diagram of one embodiment of a cash management system in which the cash management system of the present invention is applied to cash management in a bank office. In the figure, 1
Denotes a cash management system, in which a banknote teller machine (tillage means) 12 is connected to a control device (control means) 10, and the banknote tillage machine 12 has a coin tillage machine (tillage means) 14 and a cash cassette storage shelf ( (Storage means for cash storage means) 16 is connected.
Under the control of the control device 10, the banknote and coin teller machines 12, 14 manage cash handled for a predetermined period, for example, one day in a bank office as a financial institution as described below. The control device 10 is further connected with a plurality of banknote pay-in / pay-out machines (pay-in / pay-out means) 18, and each of these pay-in / pay-out machines 18 is connected to a coin pay-in / pay-out machine (payment / payout machine means) 20. The banknote and coin depositing / dispensing machines 18 and 20 process cash received and received by a teller, a customer representative, at a counter from a customer as described below. The banknote and coin teller machines 12 and 14 and the banknote and coin depositing and dispensing machines 18 and 20 are detachable and portable for banknotes and coins to transfer cash mutually without directly touching the cash. Cash cassettes (cash storing means) 22 and 24 are attached respectively. The cash cassette storage shelf 16 has a structure in which a plurality of banknote and coin cash cassettes 22, 24 taken out from the cashiers 12, 14 and the depositing / dispensing machines 18, 20 can be detachably attached. , 24 can be stored. The banknote and coin teller machines 12, 14, the banknote and coin depositing and dispensing machines 18, 20 and the banknote and coin cash cassettes 22, 24 have unique identification codes (codes) so that they can be individually identified. Have.

The control device 10 transmits the amount of cash in the bank office to a host computer installed at the center via a telephone line 26.
A communication terminal 28 for transmitting via a transmission medium such as.

FIG. 2 is a diagram schematically showing a configuration of the control device 10. As shown in FIG.
The control device 10 basically has the same configuration as a general computer system, including a central processing unit (CPU) 30, a ROM 32 for storing software for operating the control device 10, a RAM 34 for storing data generated during operation, A disk device 36 for storing cash amount information in a bank office, a keyboard 38 for inputting data such as cash and control information, a display 40 for displaying these information, and a slip with these information and a certification mark. Printer 42 to print, cash cassette 2
A timer 44 for monitoring whether or not 2, 24 has been reattached to any of them within a predetermined time after being taken out of the cashiers 12, 14, the cashiers 18, 20 and the cash cassette storage shelf 16,
Cashier interface 46, cashier interface
48, a communication terminal interface 50.
The disk device 36 has a capacity to store at least one-day history of the amount of cash stored in each of the cashiers 12, 14, the cashiers 18, 20 and the cash cassettes 22, 24.

FIG. 3 is a diagram showing the block configuration and mutual connection of the banknote teller machine 12, the coin teller machine 14, the cash cassette storage shelf 16, the banknote cash cassette 22 and the coin cash cassette 24 attached thereto. .

The banknote teller machine 12 has a banknote insertion slot 62 into which a cash banknote 60 to be deposited and withdrawn from the customer or a banknote 60 to be deposited and withdrawn in a large scale, and a banknote outlet 64 from which the cash banknote 60 is released. Is provided. The bills inserted into the bill insertion slot 62 are sent to a bill discrimination / counting unit 66, where the types of the bills inserted are discriminated and the number of bills is counted for each type. It is sent to and stored in the banknote storage 70 via the storage 68. At this time, information representing the type and the number of inserted bills obtained by the bill discrimination / counting unit 66 is sent to a bill control / information processing unit 72 having a microprocessor, and using this information, the bill control / information processing unit 72 is used. Updates the position information of the banknote storage 70 stored in the memory 74. At the same time, the updated presence information of the bill storage 70 is sent to the control device 10 (FIG. 2) via the interface 74 by the bill control / information processing unit 72 together with the identification code of the bill cashier 12. . The CPU 30 of the control device 10 stores the updated position information of the banknote storage 70 in the disk device 36 together with the identification code of the banknote teller machine. The method of this processing of the CPU 30 may be any known processing method such as an interrupt processing or a processing of scanning a cashier and a depositing / dispensing machine.

When the banknotes in the banknote storage 70 are to be released from the banknote outlet 64, the desired type and number of banknotes to be released from the keyboard 38 (FIG. 2) of the control device 10 and the banknote storage 70 to the banknote outlet 64. When the release command is keyed in, the information is sent to the cashier interface 46 by the CPU 30 (FIG. 2).
(FIG. 2), sent to the banknote control / information processing unit 72 via the interface 76 of the banknote teller machine 12. The banknote control / information processing unit 72 controls the banknote storage 70 and the banknote temporary storage 68 based on the above information, and stores the banknotes of the type commanded from the banknote storage 70 by the commanded number of banknotes. It is discharged from the bill discharge port 64 via 68. The banknote control / information processing unit 72 updates the information on the banknote storage 70 stored in the memory 74 by using the commanded information on the type and number of banknotes. The updated banknote storage 70
Is stored in the disk device 36 of the control device 10 by the above-described operation similar to the case where the banknotes are inserted into and stored in the banknote storage 70 from the banknote insertion slot 62.

The banknote cash cassette 22 is a banknote storage box 80 in which banknotes are stored and taken out, and the banknote storage box 80 in a state where the banknotes are taken out from the banknote depositing / dispensing machine 14 and the cash cassette storage shelf 16.
Detector 82 that detects this when opened, bill storage box 80
A memory 84 that stores the banknote amount currently stored in each banknote and the opening information indicating that the banknote storage box 80 has been opened, a display 86 that displays the banknote height and the door opening information, and a microprocessor. It has an information processing unit 88 for processing such information and an interface 90 for transmitting and receiving information to and from the banknote teller machine 12 and the like.

By displaying the door opening information on the display 86 as described above, the security of the banknote cash cassette 22 is ensured. Further, even when the banknote cash cassette 22 is taken out from the banknote teller machine 12, the banknote depositing / dispensing machine 14, and the cash cassette storage shelf 16, the information stored in the memory 84 is not erased, and the display 86 is provided. In order to display information, the banknote cash cassette 22 has a built-in independent power supply (not shown).

Banknotes are transferred between the banknote teller machine 12 and the banknote cash cassette 22 as follows. When transferring banknotes from the banknote teller machine 12 to the banknote cash cassette 22, a control device
When the type and number of banknotes to be transferred from the keyboard 38 (FIG. 2) and the transfer command from the banknote storage 70 to the banknote cash cassette 22 are keyed in, these information are stored in the CPU 30.
(FIG. 2) shows the interface 46
FIG.), And sent to the banknote control / information processing unit 72 via the interface 76 of the banknote teller machine 12. The banknote control / information processing unit 72 controls the banknote storage 70 and the banknote temporary storage 68 based on the above information, and stores the banknotes of the type instructed from the banknote storage 70 by the specified number of banknotes.
It is transferred to the bill storage box 80 of the bill cash cassette 22 via 68. The bill control / information processing unit 72 updates the information on the banknote storage 70 stored in the memory 74 by using the information on the type and the number of the designated bills. The bill control / information processing unit 72 also sends information on the type and the number of bills instructed to the information processing unit 88 via the interface 92 and the interface 90 of the cash cassette 22 for bills. Is used to update the banknotes stored in the banknote cash cassette 22 stored in the memory 84 and display the updated banknotes for each type of stored banknotes.
Displayed at 86 and sent to the bill control / information processing unit 72. The banknote control / information processing unit 72 uses the updated banknote storage box 80 together with the identification code of the banknote cash cassette 22 and the updated banknote storage 70 with the banknote cashier 22 of the banknote teller machine 12. The information is sent to the control device 10 together with the identification code, and the information is stored in the disk device 36 by the CPU 30 of the control device 10.

Also, in the case of transferring the bill from the cash cassette 22 for bills to the cashier 12 for bills, the transfer of bills and the transfer of bills by the same operation as in the case of transfer from the cashier 12 for bills to the cash cassette 22 for bills. The cash height information of the cashier 12 and the cash cassette 22 for bills attached thereto is updated, and the updated information is stored in the disk device 36 of the controller 10.

The banknote teller machine 12 is further provided with a console 94 and a display 96, and by switching to the local mode, a control device is provided.
The same operation as the above-described operation can be performed from the keyboard 38 of the ten, and the display 96 displays the banknote height and control information as needed. Note that the console 94 and the display 96 may not be integrated with the banknote accounting apparatus 12, but may be in an independent form. Further, the banknote teller machine 12 is connected to a banknote control / information processing unit 72 so as to be able to send and receive information and control information relating to cash and a cash cassette storage shelf 16 as described later. Interface 98,
100 are provided.

The structure and function of the coin teller machine 14 are the same as those of the banknote teller machine 12, with the difference that the former handles coins and the latter handles bills, and that the banknote teller machine 12 and the coin teller machine 14 have a master-slave relationship. Only the point caused by Therefore, the components of the coin teller machine 14 having the same configuration and function as those of the bill teller machine 12 are indicated by the reference numerals of the bill teller machine 12 plus 500 in FIG. Cash machine 1
4 is a coin slot 562 for inserting the coin 102, a coin outlet 564 for discharging the coin 102, a coin discriminating / counting unit 566, a temporary coin storage 568, a coin storage 570, a coin control / information processing unit 572, and a coin. It comprises an interface 592 for sending and receiving information to and from the cash cassette 24 for bills, and an interface 598 for sending and receiving information to and from the banknote teller machine 12.

The structure and function of the cash cassette for coins 24 are the same as those of the cash cassette for bills 22 except that the objects to be handled are coins and bills. Therefore, the components of the coin cash cassette 24 having the same structure and function as those of the banknote cash cassette 22 are indicated by the reference numerals of the banknote cash cassette 22 plus 500 in FIG. The coin cash cassette 24 is taken out of the coin storage box 580, the coin depositing / dispensing machine 14, the coin depositing / dispensing machine 18 and the cash cassette storage shelf 16 in a state where the coin cassette 58 is taken out.
Detector 582 that detects this when opening 0, memory 584,
Display 586, information processing unit 588, and interface 59
Consists of 0.

The coin 102 is inserted from the coin insertion slot 562 and the coin storage 570
Is stored in the same manner as the above-described operation of the banknote accounting apparatus 12.

Also, the operation of discharging coins stored in the coin storage 570 from the coin discharge port 564, the operation of transferring coins between the coin cashier 14 and the coin cash cassette 24, and the operation of the bill cashier 12 are also performed. The operation is the same as that described above with the banknote cash cassette 22, but the differences are as follows. That is, when a desired type and number of coins are input from the keyboard 38 of the control device 10 and a command for instructing release or transfer destination is keyed in, the commanded information is operated by the same operation as in the above-described banknote teller machine 12, It is sent to the banknote control / information processing unit 72 of the banknote teller machine 12. The bill control / information bill unit 72 sends this command information to the coin control / information processing unit 572 via the interfaces 98 and 598. Coin teller machine 1 based on command information sent to coin control and information processing unit 572
The operation of 4 and the cash cassette 24 for coins attached thereto is the same as the above-described operation of the banknote teller machine 12.

Note that the banknote teller machine 12 and the coin teller machine 14 may be integrally configured. Also, depending on the scale of use, banknote teller machine
A plurality of twelve and / or coin teller machines 14 may be provided. Furthermore,
The banknote teller 12 has a banknote banding function, and the coin teller 14
Can be provided with a cigarette winding function for both coins
12 and 14 can be provided with a counterfeit money discrimination function.

The cash cassette storage shelf 16 has a structure in which a plurality of banknote cash cassettes 22 and coin cash cassettes 24 are removably attached as described above, and the cash in the attached banknote and coin cash cassettes 22 and 24 is attached. Information processing unit 104 comprising a microprocessor to send information about the cash cassettes 22 and 24 to the control device 10 via the banknote control / information processing unit 72 of the banknote teller 12 together with the identification code of the cash cassette 12,
It comprises an interface 106 for receiving the above information from the attached cash cassettes 22 and 24 and an interface 108 connected to the interface 100 of the banknote teller machine 12. The above information of the cash cassettes 22 and 24 attached to the cash cassette storage shelf 16 is taken out of the memories 84 and 584 by the information processing units 88 and 588 of the cash cassettes 22 and 24 and is cashed through the interfaces 90, 590 and 106. The information is sent to the information processing unit 104 of the cassette storage shelf 16 and the sent information is sent by the information processing unit 104 to the bill control / information processing unit 72 via the interfaces 108 and 98. The data is sent to the CPU 30 of the control device 10 by the information processing unit 72 via the interface 76 to the control device 10 and the cashier interface 46 (FIG. 2), and is stored in the disk device 36 by the CPU 30. In this way, the amount of cash in each of the cash cassettes 22 and 24 for banknotes and coins stored in the cash cassette storage shelf 16 is also managed in real time.

As will be apparent from the operation of the present system, which will be described later, the cash cassette storage shelf 16 performs the following extremely important functions that are essential in the present system.

Cash cassette 22, between cashiers 12, 14 and cashiers 18, 20
In order to facilitate the frequent transfer of cash by 24, to store more cash than can be stored in the cashiers 12 and 14 during the operation of the day, and to carry out these operations without a dedicated cashier In order to be able to use only the cash cassettes 22, 24 which are larger than the installed number of the cashiers 12, 14 and the depositing / dispensing machines 18, 20, the cash cassettes 22, 24 which are larger than the installed number are used.
Is stored, and the amount of cash in the stored cash cassettes 22 and 24 is recognized in real time.

FIG. 4 is a diagram showing the block structure and mutual connection of the banknote depositing / dispensing machine 18, the coin depositing / dispensing machine 20, the banknote cash cassette 22 and the coin cash cassette 24 attached thereto.

The configurations and functions of the banknote depositing / dispensing machine 18 and coin depositing / dispensing machine 20 are basically the same as those of the banknote depositing / dispensing machine 12 and the coin depositing / dispensing machine 14, respectively. The difference is that, in order to make the structure of the depositing / dispensing machine compact, the banknotes of the banknotes and coins 12 and 14 are not provided with storages corresponding to the banknotes and coin storages 70 and 570. The cash cassettes 22 and 24 also have the function of the storage. Therefore, among the elements shown in FIG. 4, those having a configuration and function similar to those of the bill and coin teller machines 12 and 14 shown in FIG. 3 are indicated by the same reference numbers plus 1000. . Banknote dispensing / dispensing machine 18, banknote inlet 1062 for inserting banknote 60, banknote exit 1064 for issuing banknotes, banknote discrimination / counting unit 1066, banknote temporary storage
1068, banknote control / information processing unit 1072, memory 1074,
Interface 1076 with controller 10, banknote cash cassette
Interface with 2210, console 1094, display 10
96, and an interface 1098 with the coin depositing and dispensing machine 18. The coin dispensing and dispensing machine 20 includes a coin inlet 1562 for inserting the coin 102, a coin outlet 1564 for issuing a coin, and a coin discriminator.
Counting unit 1566, coin temporary storage 1568, coin control / information processing unit 1572, interface 1592 with coin cash cassette 24, and interface 15 with banknote pay-in / pay-out machine 18
Consists of 98.

The banknotes inserted into the banknote inlet 1062 of the banknote pay-in / pay-out device 18 are sent to a banknote discrimination / counting unit 1066, where the types of the inserted banknotes are discriminated and the number of banknotes is counted for each type. The paper money is sent to the temporary storage 1068, and further sent to and stored in the paper money storage box 80 of the paper money cash cassette 22 by the paper money temporary storage. At this time, the bill validator / counter unit 10
Information representing the type and number of input bills obtained at 66 is sent to the bill control / information processing unit 1072, and further, the bill control /
It is sent to the information processing unit 88 of the banknote cash cassette 22 by the information processing unit 1072. The information processing unit 88 updates the amount of cash stored in the cash cassette 22 for banknotes stored in the memory 84 using the information indicating the type and number of the input bills sent, and updates the amount of cash stored. The height is displayed on the display 86, and the bill control / information processing unit 1072
Send to The bill control / information processing unit 72 sends the updated height information of the bill accommodating box 80 together with the identification code of the bill cash cassette 22 to the control device 10, and the information is sent to the disk device by the CPU 30 of the control device 10. Stored in 36.

When the banknotes stored in the banknote storage box 80 of the banknote cash cassette 22 are to be output from the banknote exit 1064, the banknote pay-in / pay-out device is used.
When the type and number of bills to be transferred from the 18 console 1094 and the command issued from the bill storage box 80 to the bill outlet 1064 are keyed in, the bill control / information processing unit 1072 stores the bill in a temporary By controlling 1068, the number of banknotes of the type instructed from the banknote storage box 80 is output from the banknote exit 1064 via the banknote temporary storage 1068. Banknote control
The information processing unit 1072 sends the information on the type and the number of the designated banknotes to the information processing unit 88 of the banknote cash cassette 22. The information processing unit 88 uses the information sent to
The cash amount stored in the bill storage box 80 stored in 84 is updated, and the updated cash amount information is stored in the cash cassette 22 for bills.
Is stored in the disk device 36 of the control device 10 by the same operation as that when a bill is inserted from the bill inlet port 1062 together with the identification code.

In coin depositing and dispensing machine 20, coin 102 is inserted into coin entrance 1562.
The operation of storing the coins in the cash cassette 24 for coins, the operation of ejecting the coins through the coin outlet 1564, and the operation of storing the updated coin position information in the disk device 36 of the control device 10 are as follows. Except for the difference, the operation is performed by the same operation as that of the banknote pay-in / pay-out device 18. That is, coin storage box 58
The cash amount information of 0 is the coin control and information processing unit 1572
From the point of being sent to the banknote control / information processing unit 1072 via the interfaces 1598 and 1098, and then sent to the controller 10, and the case where coins are output from the cash cassette 24 for coins via the coin outlet 1564, banknote deposit / withdrawal Command information keyed in from the console 1094 of the machine 18 is sent to the coin control / information processing unit 1572 by the bill control / information processing unit 1072 via the interfaces 1098 and 1598.

Note that the banknote depositing / dispensing machine 18 and the coin depositing / dispensing machine 20 may be integrally configured. Further, the cash-receipt-and-disbursement machines 18 and 20 may be provided with a counterfeit money discrimination function. Further, the control system of the banknote and coin depositing / dispensing machine 18, 20 may be incorporated in a conventional one-line terminal device for one-line processing.

Referring to FIG. 2 again, the operation of the timer 44 provided in the control device 10 will be described. The CPU 30 has all cash cassettes 22 and 24 in the sales office for the banknote and coin tillage machine 12,
14, a cash cassette storage shelf 16, and a signal for inspecting whether it is attached to any of the banknote and coin depositing and dispensing machines 18, 20 at a predetermined cycle, a banknote dispensing machine 12, a banknote depositing and dispensing machine 22.
Send to Banknote control / information processing unit of banknote teller machine 12
72, based on this inspection signal, sends an inquiry signal to the banknote cash cassette 22 attached to itself, if any, to obtain information on the identification code thereof. Further, the banknote control / information processing unit 72 also sends an inquiry signal to the coin teller machine 14 and the cash cassette storage shelf 16 based on the inspection signal, and the coin control / information processing unit 572 and the cash cassette storage shelf 16 The information processing unit 104 sends an inquiry signal to the coin cash cassette 24 and the bill cash cassette 22 attached to each of them, obtains their identification codes, and outputs this information to the bill control / information processing unit 72.
Send to The bill control / information processing unit 72 sends, to the CPU 30, the identification code of each of the bill and coin cash cassettes 22 and 24 attached to the bill and coin teller machine 12 and the cash cassette storage shelf 16.

The respective identification codes of the coin cash cassette 24 attached to the banknote and coin depositing / dispensing machine 18 are also sent to the CPU 30 in the same manner as in the case of the banknote and coin depositing and dispensing machines 12, 14.

The CPU 30 knows the identification codes of the unattached banknotes and coin cash cassettes 22 and 24 based on the identification code information of the attached banknotes and coin cash cassettes 22 and 24, and determines the corresponding code in the timer 44. Then, a timer (not shown) is turned on to measure the time. The CPU 30 uses the cash cassette 2 for bills and coins that is timed using the inspection signal.
When the identification code of 2, 24 is obtained, the timer of the corresponding timer is stopped. When the timer counts a predetermined time, an alarm signal is issued together with the corresponding identification code. Thus, the teller or the official can use the cash cassettes 22 and 24 for banknotes and coins having the alarmed identification code within a predetermined period of time for the banknotes and coin teller machines 12 and 14, and the banknote and coin depositing and dispensing machines. 18, 20
In addition, it is possible to quickly know that an improper use state that is not attached to any of the cash cassette storage shelves 16 has occurred, thereby ensuring security.

The operation of the system configured as described above will be described below. In order to manage the cash that is handled daily in the bank office, when starting the business, the officer who is the cash management officer removes the necessary bills and coins from the large safe in the store and Banknote and coin teller machine 12,
The bills and coins are inserted into the bill and coin storages 70 and 570 by the operation described above. Under the control of the officials, the teller takes out the cash cassettes 22 and 24 for bills and coins stored in a large safe and takes out bills and coins 12, 14 for bills and coins, and a cash cassette storage shelf. Attached to 16 and banknote and coin depositing and dispensing machines 18,20. Cashiers 12, 14, cash cassette storage shelf 16, depositing / dispensing machine according to an initial setting command keyed in from the keyboard 38 of the control device 10.
18, 20 and cash cassettes 22, 24 attached to them
Are stored individually in the disk device 36 of the control device 10, and the initialization is completed.

Next, the job started, and teller, the contact person,
Banknotes and coins exchanged with customers by the above-mentioned operations
Put 60, 102 in the banknote and coin depositing and dispensing machine 18, banknotes and coins attached to the banknotes and coin cash cassettes 22, 24 attached from the banknotes and coin inlets 1062, 1562 into the banknotes and coin storage boxes 80, 580 of the banknotes and coins, and Console 10 provided on banknote deposit / dispensing machine 18
The type and number of bills or coins to be issued from 94 are keyed in and ejected from the above-mentioned bill and coin storage boxes 80 and 580 through bill and coin outlets 1064 and 1564. Each time cash is transferred in this manner, the cash amount information relating to the banknote and coin depositing / dispensing machine 18, 20 is stored in the disk device 36 of the control device 10 by the above-described operation, and the cash Is managed.

After such an operation is repeated, the teller uses the indicator 1096 of the banknote pay-in / pay-out device 18 for the banknote / coin cash cassettes 22, 24 attached to the banknote / coin pay-in / pay-out device 18, 20. If it is known that the stored bills or coins are the upper limit of storage, take out the cash cassettes 22, 24 for banknotes or coins at the upper limit of storage, transport them to the banknote and coin teller machine 12, 14, The cash cassettes 22 and 24 for bills or coins attached to the cashiers 12 and 14 are replaced with each other, or the cashiers 12 and 14 are attached to a cash cassette storage shelf 16 if the cashiers 12 and 14 are in use. Next, the teller is a banknote and coin cash cassette 22, which is stored in the banknote and coin cash cassette 22, 24 or the cash cassette storage shelf 16 taken out from the banknote and coin cashier 12, 12, At least one of the banknotes 24 and 24 containing a proper number of banknotes and coins of an appropriate type is attached to the banknote and coin depositing / dispensing machine 18 or 20 described above.

Next, if the teller learns that the bills or coins stored in the banknote and coin cash cassettes 22, 24 attached to the banknote and coin depositing / dispensing machine 18, 20 are the lower limit of storage, Then, the cash cassettes 22 and 24 for banknotes or coins at the lower limit of storage are taken out and attached to the cash cassette storage shelf 16. Next, the teller uses the keyboard 38 of the control device 10 to perform the above-described operation to transfer the type and number of desired banknotes or coins and the banknote or coin tillage machine 12, 14 from the banknote or coin cash cassette 22, 24 to the banknote or coin cash cassette 22, 24. The transfer command is keyed in and the bills or coins are transferred to and stored in the bill or coin cash cassettes 22, 24. Teller is a cash cassette for the bills or coins
Take out 22, 24 from banknote or coin teller machine 12, 14,
It is transported and attached to the above-mentioned banknote or coin depositing / dispensing machine 18, 20. In addition, the cash cassettes 22 and 24 for bills or coins in which an appropriate number of bills or coins of an appropriate type are stored in the cash cassette storage shelf 16 are displayed on the indicators 86 and 586 of the cash cassette.
May be taken out from the contents displayed in the above, and transported to and attached to the banknote or coin depositing / dispensing machine 18, 20 described above.

When the teller transports the banknote and coin cash cassettes 22, 24 to the banknote and coin teller machines 12, 14, the teller is stored in the banknote and coin storage boxes 70, 570 of the banknote and coin teller machines 12, 14. Indicator that the stored bills and coins are the upper limit of storage
When the information is known by 96, the necessary number is transferred to the attached banknote and coin cash cassettes 22 and 24 by the above-described transfer operation, and the cash cassettes 22 and 24 are taken out and transported to the cash cassette storage shelf 16 for mounting. When the banknotes and coins stored in the banknote and coin teller machines 12 and 14 are at the storage lower limit, the teller performs an operation reverse to the above.

Such operations are repeated, and at the end of the day, a normal tallying process is performed on the disk device 36 of the control device 10 based on the amount of cash in the office, and the officer checks them and ends.

As described above, banknote and coin teller machines 12, 1
4. The movement of cash (banknotes and coins) between the banknote and coin depositing / dispensing machines 18 and 20 is carried out by storing the cash in the banknote and coin cash cassettes 22 and 24. Therefore, the cash does not directly touch the human hands, so the teller can directly carry it alone, and the bill and coin teller machine 12,
The transfer of banknotes and coins between the banknotes 14 and the banknote and coin cash cassettes 22 and 24 attached thereto is also performed without directly touching these banknotes and coins by human hands. Since the operation of transferring bills and coins can be performed, the need for two accounting sources is eliminated, thereby making it possible to save labor.

In addition, when cash was handed between two cashiers and one teller as in the past, three people monitored each other, causing moral deterioration,
Such a thing disappears and morals can be improved.

FIG. 5 shows, for example, a first bank provided in each branch of a bank.
It is a schematic block diagram showing the system which centrally manages the information regarding the cash in the sales office obtained by the cash management system shown in the figure in a center such as the head office in real time. In the figure, reference numeral 120 denotes a cash information collecting device provided at the center for centrally managing cash information, which is a host computer 12.
2. It has a disk device 124 and a communication terminal 126 for storing cash amount information. The communication terminal 126 is connected to each communication terminal 28 provided in the plurality of cash management systems 1 via a communication line 128 such as a telephone line. Each control device 10 provided in each cash management system sends the updated cash position information to the communication circuit 128 via each communication terminal 28 each time the cash position is updated. The updated cash position information is received by the communication terminal 126, sent to the host computer 122, and stored in the disk device 124 by the host computer 122. Thus, the cash amount in each sales office can be managed in real time at the center.

FIG. 6 is a schematic perspective view of a banknote teller machine according to one embodiment of the present invention. In the figure, 70 is a bill storage, 60 is a bill slot, 64 is a bill outlet, 130 is an authentication print port used in the local mode, 94 is a console used in the local mode, and 132 is a cash cassette 22 for bills. Is a cartridge loading port for loading. In the banknote teller machine 12 shown in FIG. 6, the cash storage 26 comprises a plurality of storages, has a structure capable of being withdrawn, and has a mechanism for authenticating and printing a slip.

FIG. 7 is a schematic perspective view of a banknote cash cassette according to one embodiment of the present invention. In the figure, reference numeral 134 denotes a bill entrance, 8
4 is a bill and opening information display window, and 90 is a bill dispenser 12
Or, it is an interface 90 for transmitting and receiving information about bills between the bill depositing / dispensing machine 18.

FIG. 8 is a schematic perspective view of a cash cassette storage shelf according to one embodiment of the present invention. Cash cassette storage shelf 16 shown in FIG.
Is six cash cassettes 22 for banknotes and cash cassettes for coins
The figure shows a state in which twelve 24 can be accommodated, and the former is attached with three and the latter with seven. It is needless to say that the number of banknote and coin cash cassettes accommodated in the cash cassette storage shelf can be appropriately set as required. Alternatively, a plurality of cash cassette storage shelves may be provided and connected in a master-slave relationship like a banknote and coin teller machine.

Note that, apart from the display 40 of the control device 10, a cashier, a cashier, a cash storage shelf, and a monitor device for displaying the amount of cash in the cash cassette may be provided for an officer or the like.

Although the cash management system of the present invention is applied to the case where the cash management system of the present invention is applied to cash management in a bank office, the cash management system of the present invention is not limited to cash management in a bank office. In addition, the present invention can be applied to cash management in business offices for exchanging cash with customers in business offices such as the finance business and securities business.

[Effects of the Invention] Since the present invention is configured as described above,
The following effects are obtained.

By using a cash storage unit that can store cash and has a unit that stores and displays the amount of the stored cash, the transfer of cash between the accounting unit and the depositing and withdrawing unit requires a person to hand cash. It can be done without any touch.

Furthermore, the storage means for the cash storage means enables the customer representative to directly transfer and receive cash between the cashing means and the depositing and withdrawing means directly by one person, and also enables cash management of the cashing means. For example, a cash manager such as a cashier who was required becomes unnecessary, and labor saving becomes possible.

Further, in the transfer of cash between the cash manager and the customer representative, conventionally, these persons counted the required amount of cash and handed the cash, but in the system of the present invention, cash was transferred. The counting is mechanized, and the transfer of cash between the two is performed without touching the cash at all, thereby increasing the likelihood that cash will be correctly transferred between the accounting unit and the depositing / dispensing unit.

As a result, the accuracy of the correct transfer of cash between the accounting unit and the depositing / withdrawing unit is increased. As a result, the amount of cash in the accounting unit, the depositing / withdrawing unit, the storing unit for the cash containing unit, and the cash containing unit attached thereto is reduced. There is always a value to grasp, and by storing the data in the storage means in real time, it is possible to bring online the effective accounting. The amount of cash in the store can always be ascertained, and the consistency with the tally can be checked at any time, so that unprocessed or incorrect data can be easily found.

Further, for example, information on the amount of cash presently grasped in real time by a cash management system of the present invention provided in a branch office is sent to a center or the like that centrally manages information relating to cash via a transmission medium in real time. Thus, the amount of cash in the branch office can be grasped in real time at the center or the like.

[Brief description of the drawings]

FIG. 1 is a block diagram of an embodiment of a cash management system in which the cash management system of the present invention is applied to cash management in a bank office, and FIG. 2 is a block diagram of a control device of an embodiment of the present invention. FIG. 3 is a diagram schematically showing the configuration, and FIG. 3 is a block diagram showing a banknote teller machine, a coin cashier machine, a cash cassette storage shelf, a banknote cash cassette and a coin cash cassette attached thereto, according to an embodiment of the present invention. FIG. 4 is a diagram showing a configuration and mutual connection, and FIG. 4 is a block diagram showing a banknote depositing / dispensing machine, a coin depositing / dispensing machine, and a banknote cash cassette and a coin cash cassette attached thereto according to an embodiment of the present invention. FIG. 5 is a block diagram showing an embodiment of a system for centrally managing information on cash in the cash management system shown in FIG. 1 using a cash management system shown in FIG. 1, and FIG. The fruit of the invention Example schematic perspective view of a banknote for teller machine,
FIG. 7 is a schematic perspective view of a cash cassette for bills according to one embodiment of the present invention, and FIG. 8 is a schematic perspective view of a cash cassette storage shelf according to one embodiment of the present invention. 10: Control device, 12: Bill teller machine, 14: Coin teller machine, 16:
Cash cassette storage shelves, 18: banknote deposit and withdrawal machine, 20: coin deposit and withdrawal machine, 22: banknote cash cassette, 24: coin cash cassette, 36, 124: disk device, 84: memory, 86: display , 12
0: Cash information collection device, 128: Telephone line,

──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Hiroshi Nakamachi 1-26-17 Himonya, Meguro-ku, Tokyo Inside Olivetti Japan Co., Ltd. (56) References JP-A-61-271592 (JP, A) (58) Survey Field (Int.Cl. ⁶ , DB name) G07F 19/00

Claims (9)

(57) [Claims] 1. A cash management system for managing the amount of cash handled within a predetermined period in a business office of a financial institution, wherein at least one cashier managing cash handled in a business office of the financial institution for a predetermined period. Means for taking cash in and out, one or more cash-in / pay-out means to or from which the cash is conveyed to or from the cash-in / pay-out means, and for carrying cash mutually between the cash-in / pay-out means and the cash-in / pay-out means. A portable cash storage means which is detachably attached to the cash storage means and which is capable of transferring cash to and from the depositing and withdrawing means and the depositing and withdrawing means, and stores and displays the amount of cash in the cash storing means. A cash storage means having a first storage means and a display means for keeping the storage and display in a state of being taken out from the depositing / withdrawing means or the accounting means; A cash storage means storage means for detachably attaching the cash storage means for storing at least one or more of the cash storage means taken out from the deposit and withdrawal means, and a second storage means, And it is electrically connected to the depositing / dispensing unit, the depositing / dispensing unit, and the storing unit for the cash storing unit, and controls them, so that the accounting unit, the depositing / dispensing unit, and the storing unit for the cash storing unit. And a control means for storing, in real time, information relating to cash in said cash storage means attached to said means in said second storage means. 2. The cash management system according to claim 1, wherein said predetermined period is one day. 3. The cash management system according to claim 1, further comprising, as said cashing means, banknote-only cashing means for processing only banknotes, and coin-only cashing means for processing only coins. Management system. 4. The cash management system according to claim 1 or 2, wherein said depositing and dispensing means includes a depositing and dispensing means exclusively for bills for processing only bills, and a depositing and dispensing means for coins for processing only coins. Characterized cash management system. 5. The cash management system according to claim 1, further comprising, as said cash storage means, a banknote-only cash storage unit that stores only banknotes, and a coin-only cash storage unit that stores only coins. And cash management system. 6. The cash management system according to claim 1, wherein said cash storage means attached to said depositing / dispensing means is commonly used as a safe for storing cash to be transferred into and out of said depositing / dispensing means. A cash management system characterized by the following. 7. The cash management system according to claim 1, wherein said control means is configured such that each of said cash storing means is taken out of said cashing means, said depositing / dispensing means or said storing means for cash storing means. The first detecting means for detecting which cash storing means has been taken out, and the taken out cash storing means are again attached to any of the cashing means, the depositing / withdrawing means and the storing means for the cash storing means. A second detecting means for detecting that the second detection has occurred, outputting an alarm after a lapse of a predetermined time, and operating the second detection within the predetermined time. Timer means for stopping operation in response to output from the means, preventing the cash storage means from being illegally taken out of the cashing means, the deposit / withdrawal means and the cash storage means storage means. Cash management system which is characterized in that. 8. A cash management system according to claim 1, wherein said cash storage means is taken out of said cashing means, said deposit / withdrawal means and said cash storage means storage means. A cash management system, comprising: shutter means for preventing taking out of cash stored in the storage means, and when the shutter means is opened in the state where the cash is taken out, the fact is displayed on the display means. 9. An information collecting means having at least one cash management system according to claim 1, and having a third storage means for centrally managing cash information of said one or more cash management systems. A transmission medium for electrically connecting the cash management system and the information collecting means for transmitting information related to cash from the one or more cash management systems to the information collecting means; A system that centrally manages cash information in a management system in real time.