JP2983506B2 - Cash integrated management system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention manages a plurality of automatic transaction apparatuses for performing cash deposit / withdrawal processing and the amount of cash stored in the plurality of automatic transaction apparatuses in a financial institution such as a bank. The present invention relates to a cash integrated management system having a management device.

[0002]

2. Description of the Related Art In recent years, many automatic transaction devices such as depositing / dispensing devices have been installed in mechanized corners of banks and automatically use a transaction medium such as a magnetic card or a magnetic passbook to automatically generate cash (banknotes). ) Withdrawal (withdrawal) or deposit (deposit) by the user's own operation. There are also usages such as unmanned operation to be installed in stores such as supermarkets, and it is expected that the number of installations will increase more and more in the future. As described above, automatic transaction devices have become widespread, and it has become difficult to manage unattended and holidays.

[0003] Further, as the number of installations increases, the amount of cash set in the automatic transaction apparatus has become enormous.
However, when a plurality of automatic transaction devices are installed side by side in a bank branch, the frequency of use of the automatic transaction devices differs depending on the arrangement. Generally, the usage rate of the automatic transaction apparatus far from the entrance is high, and the usage rate of the automatic transaction apparatus arranged near the entrance and easily visible to others is low. In such a case, only some of the automatic transaction devices have a small amount of cash, while other automatic transaction devices have a relatively large amount of cash. It had been without high.

[0004]

As described above, when a plurality of automatic transaction devices are installed side by side in a bank branch, the frequency of use of the automatic transaction devices differs depending on the arrangement. Only some automated teller machines have a small cash balance, while other automated teller machines have a relatively large cash balance, and some automated teller machines have no cash balance. There was a problem.

[0005] Therefore, the present invention provides an automatic transaction system in which the cash amount is reduced based on the cash amount of each automatic transaction device in a plurality of automatic transaction devices installed side by side in a bank branch. It is an object of the present invention to provide an integrated cash management system capable of controlling the handling of a transaction device.

[0006]

An integrated cash management system according to the present invention is installed in a bank branch, and includes a plurality of automatic transaction devices for performing cash deposit / withdrawal processing; In a cash integrated management system having a transaction control device for managing the amount of cash stored in a plurality of automatic transaction devices, the transaction control device stores a cash amount of each of the plurality of automatic transaction devices. Transactions that limit the contents of transactions handled by the automatic transaction device in which the amount of cash is decreasing, based on the information on the amount of money in each of the automatic transaction devices stored in the high-value storage unit and the high-value storage unit. The transaction unit includes a control unit and a processing unit that suspends the restriction of transactions restricted by the transaction control unit during a time period when the number of transactions executed by the automatic transaction device is large.

A cash integrated management system according to the present invention is provided in a plurality of automatic transaction devices installed in a branch of a bank and performing cash deposit / withdrawal processing, and in a plurality of automatic transaction devices installed in the same branch. In a cash integrated management system having a transaction control device that manages the amount of stored cash,
The transaction control device is a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, based on cash information of each automatic transaction device stored in the cash storage unit, cash A transaction suspending unit for suspending payment transactions handled by the automatic transaction device whose cash amount is decreasing; and a transaction suspending unit suspending during a time period when the number of transactions executed by the automatic transaction device is large. And a processing unit for controlling not to suspend the payment transaction.

The integrated cash management system according to the present invention is provided in a plurality of automatic transaction devices installed in a branch of a bank and performing cash deposit / withdrawal processing, and in a plurality of the automatic transaction devices installed in the same branch. In a cash integrated management system having a transaction control device that manages the amount of stored cash,
The transaction control device is a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, based on cash information of each automatic transaction device stored in the cash storage unit, cash A transaction suspending unit for suspending payment transactions handled by the automatic transaction device whose cash amount is decreasing; and a transaction suspending unit suspending during a time period when the number of transactions executed by the automatic transaction device is large. A processing unit for controlling not to suspend the payment transaction being performed, and a command unit for instructing replenishment of cash outside the system when the payment transaction is not suspended in the processing unit. Have been.

[0009] The integrated cash management system of the present invention is provided in a plurality of automatic transaction devices installed in a branch of a bank and performing cash deposit / withdrawal processing, and in a plurality of the automatic transaction devices installed in the same branch. In a cash integrated management system having a transaction control device that manages the amount of stored cash,
The transaction control device is a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, based on cash information of each automatic transaction device stored in the cash storage unit, cash A transaction control unit for restricting the contents of transactions handled by the automatic transaction apparatus having a reduced amount of money; a counting means for counting the number of transactions executed within a predetermined time by the automatic transaction apparatus; If the number of transactions within a predetermined period of time is equal to or greater than a predetermined value based on the counting result, a processing unit that suspends the restriction of the transactions restricted by the transaction control unit.

[0010]

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of a cash integrated management system according to the present invention. That is, for example, in a bank branch, a plurality of transaction control devices 1A and 1B for controlling automatic transaction devices in the branch are installed. These transaction control devices 1A and 1B are connected to an in-store LAN.
(Local area network) 2. Automatic transaction devices in a branch are connected to the in-store LAN 2. The automatic transaction devices connected to the in-store LAN 2 include a plurality of automatic transaction devices (payment / withdrawal devices; ATM).
3A to 3B, a bookkeeping machine 4, a balance inquiry machine 5, and the like. In addition, automatic transaction equipment (payment and withdrawal equipment; AT
M) 3C is connected to the in-store LAN 2 via a LAN connection adapter 6 installed in the store. These automatic transaction devices are connected to the transaction control device 1A,
Central control and operation management are performed by 1B.

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

Each of the transaction controllers 1A and 1B has a connection to another external line. That is, the transaction control device 1
A and 1B have NCU (Network Control
(Unit) Modems 10A and 10B are connected and connected to the public line network 11. Thereby, transaction control device 1A,
1B can transmit various types of information to the outside via the public line network 11. The information transmission destinations from the transaction control devices 1A and 1B via the public line network 11 include a monitoring center 12
There is. The monitoring center 12 monitors the operation state of the automatic transaction devices based on information from the transaction control devices 1A and 1B when the automatic transaction devices are operating unattended on holidays or the like. In addition, by remotely controlling the automatic transaction equipment as needed, it is possible to recover from a failure, an unrecoverable failure occurs, and it is necessary to replenish the media set inside the automatic transaction equipment. If it is determined, an instruction is issued to the patrol car 13 during the patrol, and the automatic transaction apparatus is restored.

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

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

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

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

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

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

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

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

The service center 14 gives instructions to the dispatched serviceman on what kind of maintenance work should be performed, and pays out parts to be brought, based on the reported failure data. .

The transaction controllers 1A and 1B are connected to the public network 11
Connected to the service center 14, the serviceman dispatched from the service center 14 sends a manual for repairing the failure to the service center 1.
4 can receive. In other words, the service center 14 is always staffed with technical staff for assisting the serviceman, and the service center 14 is connected to the public line network when repairs are impossible due to the complicated knowledge of the serviceman. Repair work can be instructed via the terminal.

That is, the technical staff of the service center 14 sends a repair manual to the service man dispatched to the branch as needed. This repair manual is
When sent from the service center 14 to the transaction control devices 1A and 1B, it is further output to the automatic transaction device. In the automatic transaction apparatus, a repair manual is printed by a built-in printing apparatus and output to a serviceman.

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

That is, when the transaction control devices 1A and 1B receive the repair manual from the service center 14,
It is determined whether or not output is possible to the printing device of the automatic transaction device based on the failure content reported from the automatic transaction device. If the trouble content does not affect the printing device (for example, a paper jam), a repair manual is sent to the automatic transaction device, and an output command is issued. If it is determined that the repair device cannot be output due to the failure of the printing device, the repair manual is output to its own printing device. However, at this time, since the serviceman is repairing the automatic transaction apparatus, it is not known that the repair manual has been output. Therefore, the transaction control devices 1A, 1B
Displays that the repair manual is output to the transaction control devices 1A and 1B on a display unit such as a customer operation guide device of the automatic transaction device, and notifies the serviceman. At this time,
The automatic transaction apparatus sounds a built-in buzzer and guides the serviceman to refer to the display unit.

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

FIG. 3 is a block diagram showing a schematic configuration of the automatic transaction apparatuses 3A and 3B. Automatic transaction equipment 3A-3B
Are connected to the in-store LAN 2,
Inside the 3B, there is a LAN adapter 101 and the in-store L
It is a connection to AN2. LAN adapter 101
Exchanges various data with the transaction control devices 1A and 1B via the in-store LAN 2. The LAN adapter 101 temporarily stores the information based on the information of each processing unit built in the automatic transaction devices 3A to 3B, and
It has a data editing function for transmitting and receiving data to and from B, and also has a function of controlling a data transmitting and receiving procedure (protocol) in the in-store LAN 2. Further, inside the automatic transaction apparatuses 3A to 3B, a processing unit for performing transaction processing is incorporated. The built-in processing units include a staff operation unit 102, a customer operation unit 103, a card processing unit 104, a statement processing unit 105, a passbook processing unit 106, and a bill processing unit 10.
7, a coin processing unit 108, and the like.

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

As described above, the customer operation section 103 is a section for performing operation guidance and input for users (customers) who use the automatic transaction apparatuses 3A to 3B.
Various displays on the operation surface of A to 3B (handling display, handling items)
And operation guidance and operation input using a CRT and a touch panel.

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

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

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

Further, the passbook processing unit 106 includes a page change mechanism for automatically turning the page when the page of the passbook to be printed is full and there are no more print lines, or a final page of the passbook. It also has a passbook issuing function that automatically issues a new passbook if used.

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

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

The coin processing unit 108 has a deposit / withdrawal function and a loading / examination function for coins in the same manner as the bill processing unit 107, and performs cash management on coins. In such a configuration, execution of a transaction by a user using, for example, the automatic transaction device 3A will be described. As an example, a payment transaction using a magnetic card will be described. First, the transaction control device 1A inquires each processing unit of the automatic transaction device 3A via the in-store LAN 2 whether the transaction can be executed. Each processing unit of the automatic transaction apparatus 3A automatically checks that there is no abnormality in each part of the apparatus and that a built-in statement slip or cash required for the transaction is sufficiently set. A response of "transaction possible" is returned to the control device 1A. Further, the transaction control device 1A applies to the computer center 9 connected by the specific line for permission to start handling. When "transaction permission" is instructed from the computer center 9,
The transaction control device 1A is such that the automatic transaction device 3A is "transactable".
If so, the handling by the automatic transaction device 3A is started.

That is, while in-hand display is instructed to the customer operation unit 103 of the automatic transaction apparatus 3A, "Please come and press the transaction button ..." is displayed on the CRT display unit of the customer operation unit 103. I do. Further, the card processing unit 104 and the passbook processing unit 106
Ordering permission to accept accounts and passbooks. As a result, the user can handle the transaction with the automatic transaction apparatus 3A, and can start a transaction such as deposit, payment, or transfer as desired.

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

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

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

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

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

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

FIG. 5 is a block diagram showing a schematic configuration of transaction control devices 1A and 1B. The main control unit 200 controls the overall control. The main control unit 200 includes the display unit 20 described above.
1. General-purpose key 202, keyboard 203, cut-sheet printing unit 2
04, a card reading unit 205, a card holding unit 206, and a floppy disk unit 207, and a program storage unit 20 for storing a program of the main control unit 200.
8. A data storage unit 209 for storing data necessary for executing the program is connected.

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

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

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

Further, an external printing unit interface unit 214 is connected to the main control unit 200, and a large amount of printing data that cannot be printed by the built-in cut-out printing unit 204 can be output to a separately installed printing device. -Data can be output.

In such a configuration, as an example of the transaction by the automatic transaction apparatus, for example, the operation of the transaction processing by the automatic transaction apparatus 3A will be described. A user who intends to pay out (withdraw) a deposit with the automatic transaction device 3A is a magnetic card.
Bring your passbook and passbook. The user must first use the automatic transaction device 3
A transaction operation is performed according to the operation guidance displayed on the CRT display unit 27 of the customer operation unit 103 of A. That is, execution of the payment transaction is designated by the touch panel of the customer operation unit 103. The customer operation unit 103 notifies the transaction control device 1A via the LAN adapter 101 and the in-store LAN 2 that the payment transaction has been designated by the touch panel.

The transaction control device 1A includes a program storage unit 2
08, a payment transaction is started according to a transaction program stored in advance. That is, the transaction control device 1A
Displays a screen for instructing the customer operation unit 103 of the automatic transaction apparatus 3A to insert a magnetic card via the in-store LAN 2, and displays a screen for instructing the card processing unit 104 of the automatic transaction apparatus 3A. After receiving the customer's magnetic card and performing a predetermined check on the magnetic card, the magnetic information recorded on the magnetic card is read, and if normal, the magnetic information is reported to the transaction control device 1A. To issue a command. The card processing unit 104 receives the magnetic card from the customer, reads the magnetic information, and reports the magnetic information to the transaction control device 1A.

Next, similarly, the transaction control device 1A
The passbook processing unit 106 is instructed to accept the passbook. If the user does not bring a passbook, the user inputs “no passbook” on the touch panel of the customer operation unit 103. Further, the transaction control device 1A displays a screen for instructing the customer operation unit 103 of the automatic transaction device 3A to input a personal identification number and a payment amount, and inputs the personal identification number and the payment amount. The input information such as the magnetic information and the password encryption is stored in the data storage unit 209 of the transaction control device 1A. When the input of these information is completed,
The transaction control device 1A transmits the transaction information to the computer center 9 via the modem 7A and stores the transaction information in the hard disk device 210.

Upon receiving the transaction permission from the computer center 9, the transaction control device 1A stores the information received from the computer center 9 in the hard disk device 210,
It instructs the bill processing unit 107 of the automatic transaction apparatus 3A to pay out bills, and further instructs the passbook processing unit 106 to print transaction information on a passbook. At this time, if payment of coins is necessary, the coin processing unit 108 is instructed to pay out coins.
For a user who does not bring a passbook, it instructs the statement processing unit 105 to print a transaction record on a statement and release it to the user.

When these operations are completed normally, a magnetic card, a statement, and a passbook are released to the user.
The banknote (and coin) is released to end the transaction. that's all,
In the same manner, transactions such as deposit (payment), transfer of utility bills, balance inquiry, and passbook entry are executed.

Here, the transaction control devices 1A, 1B
Of cash management and operation support by. The transaction control devices 1A and 1B constantly monitor the amount of cash in the automatic transaction devices 3A to 3B, change transactions to be handled according to the amount of money, and designate the amount of cash to be replenished. Although cash includes a bill and a coin, both are managed in the same manner, and therefore, the bill will be described here.

When the bill is set in the automatic transaction apparatus 3A to 3B, the bill is set in the loading box and the automatic transaction apparatus 3A is set.
3B, the bills are taken into a predetermined safe while counting the bills.

Referring now to FIG. 6, automatic transaction apparatus 3A
The flow relating to the operation of loading (replenishing) banknotes in 3B will be described. For example, in a state in which bills for loading are set in the loading cabinet 56 of the upper unit 50, when a bill loading mode is selected by a staff member, a bill loading operation is started. That is, the bills are taken out one by one by the take-out roller 67a of the loading cabinet 56, conveyed through the second sorting gate 73b, the third sorting gate 73c, and the fifth sorting gate 73e, and guided to the inspection unit 70. Here, the denomination is discriminated. The banknotes discriminated by the inspection unit 70 are conveyed downward by the first sorting gate 73a, and further sent through the eleventh sorting gate 73k and the sixth sorting gate 73f. In this case, the direction of the 1,000 yen ticket is changed at the seventh sorting gate 73g, and the
The ten thousand-yen bills are stacked in the eighth stacking unit 66b, conveyed through the seventh sorting gate 73g, and are stacked in the eighth sorting gate 73g.
The direction is changed by h, and the stack is stacked in the stacking section 66a of the ten thousand yen storage 57, and is pushed and stored in the bill storage sections 59 and 60.

The bill P discriminated to be rejected by the inspection unit 70 at the time of loading is transferred to the first sorting gate 73a.
, The second sorting gate 73b and the third sorting gate 73b.
Are accumulated in the dispensing temporary accumulating section 37 through the distribution gate 73c. At this time, the ticket (loading ticket) taken out from the loading storage 56 and passed through the second sorting gate 73b and the rejected ticket are transferred on the transport path R4 between the second sorting gate 73b and the third sorting gate 73c. Will overlap. For this reason, when a rejected ticket is generated, taking out is interrupted instantaneously, and retrieving is resumed after the rejected ticket has passed through the transport path R4, or a taken out ticket (loading ticket)
The rejected ticket and the rejected ticket are conveyed in a stacked state, and the rejected ticket and the stacked loading ticket are both accumulated in the dispensing temporary accumulation unit 37. When the bills in the loading storage 56 run out, the loading operation ends.

In the above-described embodiment, bills are loaded only from the loading storage 56 in the loading operation.
It is also possible to set and load a loaded bill in the bill storage section 62 of the lower unit 51 of the automatic transaction apparatus 3A to 3B.

As described above, when a bill is loaded into the bill processing section 107 of the automatic transaction apparatus 3A to 3B, the bill processing section reports the breakdown of the loaded bill to the transaction control apparatus 1A. In other words, for example, it is reported that 1000 million yen genuine bills and 1000 thousand yen genuine bills are 500 sheets.

Receiving this report, transaction control device 1A calculates and stores the cash amount for each of automatic transaction devices 3A to 3B. That is, when the number of bills thus loaded is reported, the transaction control device 1A stores this number as the cash balance for each of the automatic transaction devices 3A to 3B.

FIG. 7 shows a storage section 600 of the transaction control device 1A for storing the amount of cash. The storage unit of the hard disk device 210 of the transaction control device 1A is divided in advance for each piece of information, and is stored in a predetermined storage unit for each piece of information.

That is, the storage unit 600 includes a ten thousand yen genuine note table 601, a ten thousand yen deficit table 602, a 5,000 yen denomination table 604, a thousand yen deficit table 605, a 500 yen table 606, 100 yen table 6
07, 50 yen table 608, 10 yen table 609,
It is composed of a five-yen table 610, a one-yen table 611, and an overflow coin table 612.

The ten thousand yen authentic note table 601 stores the number of true notes which are banknotes suitable for the payment of ten thousand yen, and the ten thousand yen loss note table 602 stores dirt or torn tickets which are not suitable for the payment of ten thousand yen. Stores the number of unfit bills and stores them in the 1,000 yen bill table 604
Stores the number of genuine bills, which are banknotes suitable for payment of 1,000 yen, and the thousand yen damaged banknote table 605 stores the number of damaged or damaged banknotes, which are not suitable for payment of 1,000 yen. Also,
Since the 5,000 yen ticket is not used for payment, it is stored in the 5,000 yen table 603 collectively.

In the banknote processing section 107 of each of the automatic transaction apparatuses 3A and 3B, the number of stored tables is separately stored for each banknote. In the case of coins,
There is no distinction between genuine bills and unfit bills like banknotes, and they are all used for payment. Therefore, 500 yen coins are used in the 500 yen table 606, 100 yen coins are used in the 100 yen table 607, 50 yen coins are used in the 50 yen table 608, The 10 yen table 609 stores the number of 10 yen coins, the 5 yen table 610 stores the number of 5 yen coins, and the 1 yen table 611 stores the number of 1 yen coins.

However, a large amount of coins may be temporarily paid in, and the amount exceeding a predetermined amount is treated as an overflowing coin, and the amount of this coin is stored in the overflowing coin table 612. In addition, the automatic transaction devices 3A to 3B
In the coin processing unit 107 for each coin, the storage number of each table is stored separately for each coin.

On the other hand, the number of sheets stored in storage unit 600 is updated in accordance with execution of a transaction for each of automatic transaction apparatuses 3A and 3B. That is, the automatic transaction devices 3A to 3B
When the payment is executed in step 1, the number of bills paid out is notified to the transaction control device 1A. In accordance with this notification, transaction control device 1 </ b> A
It is subtracted from the 1,000 yen authentic note table 604. In addition, when the transaction is received, the transaction control device 1A adds a denomination, a genuine note, and a damaged note.

Next, the operation of the automatic transaction apparatuses 3A to 3B corresponding to the cash amount will be described. First, assuming that a plurality of automatic transaction devices 3A to 3B are operating side by side, the frequency of use differs depending on the arrangement. Generally, the utilization rate of the device far from the entrance is high, and the utilization ratio of the device installed near the entrance and easily seen by others is low.

In such a case, only some of the automatic transaction apparatuses have a small cash amount, and the other automatic transaction apparatuses have a relatively large cash amount. An object of the present invention is to prevent such a situation that the cash in some of the automatic transaction devices becomes empty and the cash in other automatic transaction devices remains in a large amount.

That is, in the transaction control device 1A, the automatic transaction device in which the amount of cash has decreased has been suspended from handling "payment transactions" and has been changed to only "payment transactions", and conversely, the amount of cash has increased. The automatic transaction apparatus suspends the handling of the "payment transaction" and sets only the "payment transaction".

As described above, in the present embodiment, the transaction control device 1
Using A, the transaction contents to be handled are changed according to the amount of cash in each of the automatic transaction apparatuses 3A to 3B. Further, the transaction to be handled is selected according to the banknotes and coins. However, the selection of the transaction to be handled is not simply determined by the amount of money of the automatic transaction devices 3A to 3B, but is to average the cash amount between the automatic transaction devices 3A to 3B as described above. The purpose is to do. Therefore, the transaction to be handled is selected by a relative comparison of the cash amounts of the plurality of automatic transaction apparatuses 3A to 3B.

A point to be noted here is that if a customer continuously uses a large number of transactions (the number of transactions is large), the customer will not be suspended. That is, during the busy season (time period when the number of transactions is large), the automatic transaction device 3
If A to 3B can be handled, execute the transaction.

In this case, the transaction control device 1A continues the payment transaction even if the amount of cash in the automatic transaction devices 3A to 3B is small, while the transaction control device 1A sends the information to the patrol car 13 via the wireless system of the public line network 11. Order cash replenishment.

Therefore, the transaction control device 1A includes a timer 21
The number of transactions executed within the last 5 minutes is counted based on the time of 5. The transaction control device 1A does not pause the transaction when the number of transactions at this time is equal to or more than a predetermined value, the number of transactions is equal to or less than a predetermined value, the number of customers is small, and all of the automatic transaction devices 3A to 3A
Only when it can be determined that processing can be performed even if B does not operate, some automatic transaction devices are suspended.

Next, the above-described control operation will be described with reference to FIG. FIG. 8 shows the operation management of the transaction control devices 1A and 1B configured as described above in accordance with the cash amount, and the amount storage units 701A to 701B and the amount comparison unit 70.
2. The operation is managed by a handling determination unit 703, a case counting unit 704, a handling command unit 705, a replenishment command unit 706, a calendar unit 707, and a result storage unit 708. In addition, the money storage units 701A to 701B, the calendar unit 707, and the result storage unit 708 are provided in the hard disk device 210, and the money comparison unit 702, the handling determination unit 703, the number counting unit 704,
The handling command unit 705 is provided in the main control unit 200.

First, in the hard disk drive 210 of the transaction control device 1A, the automatic transaction device 3 described in FIG. 7 is stored in accordance with the cash movement reported from each of the automatic transaction devices 3A to 3B.
There are money storage units 701A to 701B corresponding to A to 3B.

The cash balances stored in the cash storage units 701A and 701B are sequentially input to the cash comparison unit 702. The cash comparison unit 702 includes cash storage units 701A to 701A-7.
Automatic transaction machines 3A-3B based on the cash balance of 01B
Is a money amount comparison unit as a determination unit that determines whether only a part of the money amount has not relatively decreased or the cash amount of the automatic transaction devices 3A to 3B has not decreased overall. 7
When it is determined that only some of the automatic transaction devices have a small or large amount of cash (the cash balance is unbalanced), the handling determination unit 703 is notified of the determination.
On the other hand, the handling determination unit 703 includes a number counting unit 704 for counting the number of transactions processed in the latest predetermined time range.
Is connected, and a determination is made as to whether the current time is a busy time or a light time.

When the number counting unit 704 determines that the time period is a quiet time, the handling determination unit 703 as the transaction control unit determines that the cash balance between the automatic transaction devices 3A and 3B from the balance comparison unit 702 is unbalanced. The transaction to be handled for each of the automatic transaction apparatuses 3A to 3B is selected in accordance with the notification of the determination. The result of selection of this transaction is notified to the handling instruction unit 705. The handling command unit 705 sets the automatic transaction devices 3A to 3A in accordance with the selection result.
Notify B of the transaction to be handled.

In accordance with the notification, the automatic transaction apparatuses 3A to 3B guide the customer through the customer operation unit 103 and notify that the transactions to be handled are limited. This allows
A payment transaction is executed from an automatic transaction apparatus having a large cash balance, and a deposit transaction is executed to an automatic transaction apparatus having a small cash balance. In the case of an automatic transaction apparatus having a small amount of coins, the handling determination unit 703 does not execute a transfer transaction that requires coins as change.

If the cash comparing unit 702 determines that the cash amount as an absolute value is small, the replenishment command unit 7
06 is notified that replenishment is necessary. That is, the calendar comparison unit 702 is connected to the calendar unit 707 and the result storage unit 708. From the calendar unit 707, the date of the day, the day of the week, the current day, the holiday information of the next day, and the like are notified. Generally, at the end of the month, the transaction volume is large, and the transaction volume is also large on the weekend or the day before a holiday. As described above, since the transaction amount and the transaction amount change depending on the operation day, the past record corresponding to the calendar information is stored in the record storage unit 708. For example, the transaction volume on the weekend at the end of the previous month,
The normal day transaction amount and the like are stored.

The money amount comparing unit 702 uses the calendar information from the calendar unit 707, the past results from the result memory unit 708, and the current cash amount in the money amount storing units 701A to 701B to calculate each automatic amount. The amount of cash to be replenished to the transaction devices 3A to 3B is determined.

As described above, normally, replenishment of cash is carried out periodically. Therefore, if the value estimated based on the past results is correct, there is no need to replenish in the middle, but if a factor other than the estimated factor occurs, the transaction volume may be larger than the estimated value. The money amount comparison unit 702 compares the estimated value with the actual money amount, and issues a command to replenish in the middle if the difference is larger than a predetermined value. This predetermined value changes according to the magnitude of the estimated value of the transaction amount.

Up to this point, the case where the cash is insufficient has been described. However, when the cash amount is too large, the cash amount comparing unit 702 is unnecessary because the useless cash exists in the automatic transaction apparatus. Judge the withdrawal of cash.

The result of the determination by the above-mentioned money amount comparing unit 702 is
The replenishment command unit 706 is notified. The replenishment command unit 706 notifies the patrol car 13 of the replenishment of cash and the amount to be replenished to the patrol car 13 via the wireless system of the public line 11 according to the notification. According to this notice, the patrol car 13
The necessary amount of cash is replenished for each of the automatic transaction devices 3A to 3B.

As described above, according to the embodiment of the present invention, the amount of cash in each automatic transaction device is constantly monitored, and the relative amount of cash in each automatic transaction device is compared, whereby the automatic transaction is performed. Transactions handled by each device can be limited, and the cash amount of each automatic transaction device can be averaged to prevent some of the automatic transaction devices from having cash.

[0086] Controls for restricting these transactions include the following. During busy periods (time periods when the number of transactions is large), transactions are not suspended. Pause the payment transaction of the automated teller machine whose cash amount has decreased.

[0086] Even if the amount of cash is small, the payment transaction is continued and a command to replenish the cash is issued. When the number of transactions within the latest predetermined time is equal to or more than the predetermined value, the transaction is not paused. If the amount of coins is small, transfer transactions that require coins as change are not executed.

[0087]

As described in detail above, according to the present invention,
Controlling the handling of an automated teller machine with a reduced cash amount based on the cash amount of each automated teller machine in a plurality of automated teller machines installed side by side in a bank branch. An integrated cash management system can be provided.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a cash integrated management system.

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

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

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

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

FIG. 6 is a view for explaining a bill loading (supplementing) operation in the automatic transaction apparatus.

FIG. 7 is a diagram for explaining a storage unit of the transaction control device that stores the amount of cash.

FIG. 8 is a block diagram showing operation management of the transaction control device according to the cash amount.

[Explanation of symbols]

 1A, 1B: Transaction control device 2: In-store LAN 3A, 3B, 3C: Automatic transaction device 200: Main control unit 210: Hard disk device 701A, 701B: Money storage unit 702: Money comparison unit 703: Handling judgment unit 704 Number counting part 705 ... Handling command part 707 ... Calendar part 708 ... Result storage part

Claims (4)

(57) [Claims] 1. A plurality of automatic transaction devices installed in a bank branch and performing cash deposit / withdrawal processing, and an amount of cash stored in the same branch and stored in the plurality of automatic transaction devices. In the cash integrated management system having a transaction control device for managing the transaction control device, the transaction control device, a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, and stored in the cash storage unit A transaction control unit that restricts the contents of transactions handled by the automatic transaction device in which the amount of cash is reduced, based on the information on the amount of money in each of the automatic transaction devices, and executed by the automatic transaction device. A cash integrated management system, comprising: a processing unit for suspending the restriction of transactions restricted by the transaction control unit during a time period when the number of transactions is large. 2. A plurality of automatic transaction devices installed in a bank branch and performing cash deposit / withdrawal processing, and an amount of cash stored in the same branch and stored in the plurality of automatic transaction devices. In the cash integrated management system having a transaction control device for managing the transaction control device, the transaction control device, a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, and stored in the cash storage unit Transaction suspending means for suspending payment transactions handled by the automatic transaction device in which the amount of cash is reduced, based on the information on the amount of money of each automatic transaction device, and transactions executed by the automatic transaction device A cash integrated management system, comprising: a processing unit that controls not to suspend payment transactions suspended by the transaction suspension means during a time period when the number of transactions is large. 3. A plurality of automatic transaction devices installed in a branch of a bank and performing cash deposit / withdrawal processing, and an amount of cash installed in the same branch and stored in the plurality of automatic transaction devices. In the cash integrated management system having a transaction control device for managing the transaction control device, the transaction control device, a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, and stored in the cash storage unit Transaction suspending means for suspending payment transactions handled by the automatic transaction device in which the amount of cash is reduced, based on the information on the amount of money of each automatic transaction device, and transactions executed by the automatic transaction device A processing unit for controlling not to suspend the payment transaction suspended by the transaction suspension means during a time period when the number of cases is large, and when the payment transaction is not suspended by this processing unit, Cash outside the system Cash integrated management system characterized by comprising and a command unit for commanding replenishing. 4. A plurality of automatic transaction devices installed in a branch of a bank and performing cash deposit / withdrawal processing, and an amount of cash installed in the same branch and stored in the plurality of automatic transaction devices. In the cash integrated management system having a transaction control device for managing the transaction control device, the transaction control device, a cash storage unit that stores the cash amount of each of the plurality of automatic transaction devices, and stored in the cash storage unit A transaction control unit for restricting the contents of transactions handled by the automatic transaction device in which the amount of cash is reduced, based on the information on the amount of money of each automatic transaction device, Counting means for counting the number of transactions executed in the transaction, based on the counting result by the counting means, when the number of transactions within a predetermined time is equal to or more than a predetermined value, the restriction of the transaction restricted by the transaction control unit. Pause to do Cash integrated management system characterized by comprising a management unit.