JP3005365B2 - Deposit and withdrawal control method of deposit and withdrawal device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

(Table of Contents) Industrial Application Field Prior Art Problems to be Solved by the Invention Means for Solving the Problems (FIG. 1) Action Embodiment (a) One Embodiment Explanation of the cash-in / pay-out device (FIG. 2 to FIG. 2) FIG. 5) (b) Description of deposit / withdrawal control in one embodiment (FIGS. 6 to 9) (c) Description of another embodiment Effect of the Invention

[0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a deposit and withdrawal control method for a deposit and withdrawal device for dispensing and depositing cash from a cash stacker for replenishing and collecting cash from a cash vault.

In recent years, depositing and dispensing devices such as automatic cash depositing and dispensing devices and teller depositing and dispensing devices have been widely used in depositing and dispensing services in financial institutions and the like, and depositing and dispensing both banknotes and coins. Possible ones are also used.

[0004] Such a depositing and dispensing apparatus has a cash stacker inside, and dispenses cash from the cash stacker.
Deposited cash is stored in a cash stacker. It is necessary to replenish the cash in this cash stacker, or to collect cash from the cash stacker, but it takes time and effort with a manual method,
In addition, a cash safe for storing cash is prepared, and a cash safe is detachably provided in the cash-receipt-and-disbursement device, replenishing cash in the cash stacker and collecting cash from the cash stacker.

The amount of cash to be stored is also increasing due to the recent increase in depositing and withdrawing devices such as automatic transaction devices, and it is desired to set only necessary cash in the device with high efficiency in fund management.

[0006]

2. Description of the Related Art Conventionally, in such a cash transaction apparatus, after replenishing cash from a cash vault to a cash stacker to the full number of cash, the operation is started, and cash is withdrawn from the cash stacker.
Deposited cash is stored in a cash stacker, and the received cash exceeding the full number of cash stackers is stored in a cash vault.

[0007] This method is based on the assumption that the withdrawal is the majority, and even if the withdrawal is large, the number of refills from the cash vault to the cash stacker is reduced, and the downtime due to the replenishment is minimized. Can be.

[0008]

However, the prior art has the following problems. In order to make effective use of cash, it is necessary to appropriately collect cash vaults.However, in the past, the number of cash stackers was set to full, so if the deposit was large, the cash stacker would be full and the cash vault would be full. Since the money is often stored, the cash safe cannot be removed during operation, and extra cash is stored in the device, which is not efficient.

[0009] In order to escape the cash vault during operation and collect cash, the apparatus must be in a halt state, and the operation rate of the apparatus decreases. In the case of excessive deposits, the cash vault often becomes full, and in this case, the apparatus must be in a hibernation state, so that the operation rate of the apparatus decreases.

Since the set number of cash stackers is set to the full number, it takes a long time to collect cash, which increases the labor of staff. Accordingly, an object of the present invention is to provide a deposit / withdrawal control method for a deposit / withdrawal device which enables a cash vault to be escaped during operation, thereby enabling efficient operation of funds and preventing a reduction in the operation rate of the device. And

[0011]

FIG. 1 is a diagram illustrating the principle of the present invention. Claim 1 of the present invention has a cash stacker 61 to 63 for storing cash, a detachable cash safe 60 for replenishing and collecting cash, a discriminating unit 64 for discriminating cash, and a control unit 2. and, withdraws cash from the developing gold stacker 61 to 63, after differentiation of payment by cash in該鑑another unit 64, the receiving and dispensing device for storing the the developing gold stacker 61 to 63, wherein <br/> controller 2 is the number of receiving setting of the cash stacker 61 to 63, set to a predetermined number equal to or less than full speed, the cash stacker 6
When the number of accommodated cash 1-63 exceeds the predetermined number, the input
It is characterized in that gold cash is stored in a cash vault 60.

[0012] Claim 2 of the present invention is based on claim 1,
The controller 2 stores the received cash in the cash stackers 61 to 63 regardless of the number of stored cash stackers when the cash safe 60 is full or when the cash safe 60 is removed.
When the cash safe 60 is mounted, the cash stackers 61 to 61
It is characterized in that the cash exceeding the predetermined number of 63 is stored in the cash safe 60.

According to a third aspect of the present invention, in the first or second aspect, the control unit 2 draws out the cash in the cash safe 60 when the cash safe 60 is removed, and
4 and is stored in the cash safe 60 to determine cash.

According to a fourth aspect of the present invention, in the first, second or third aspect, the control unit 2 is configured to control the cash stackers 61 to
63, wherein the set number is variable.

[0015]

According to the first aspect of the present invention, the cash stackers 61 to 6 are provided.
3 is set to a predetermined number equal to or less than the full number, even if the cash safe 60 is withdrawn while the cash safe 60 is in operation, the cash deposited can be stored in the cash stackers 61 to 63, so that the cash safe is properly removed. Thus, the funds can be collected and the funds can be effectively used without causing the apparatus to sleep, and even in this case, the apparatus does not go into a halt state. Also,
When money is received when the inside of the bag exceeds a certain number of sheets
Is stored in a cash vault instead of a stacker.
You. In this way, you can quickly get out of the cash vault.
As well as lowering mechanical obstacles,
You can extend your life. In addition, customer transactions are not possible
Time can be shortened.

The number of cash stackers 61 to 63 accommodated is
Since the number is less than the full number, the operation can be performed with a small amount of cash, the funds can be more effectively used, and the time for collecting cash can be shortened. According to claim 2 of the present invention, when the cash safe 60 is full or when the cash safe is removed , regardless of the number of stored cash stackers,
Since the cash deposited is temporarily stored in the cash stackers 61 to 63 and transferred to the cash safe 60 at the time of mounting, even if the cash safe 60 is full or the cash safe is taken out, non-stop operation can be performed and a decrease in the operation rate of the device can be prevented.

According to the third aspect of the present invention, the cash is determined when the cash safe 60 is removed, so that the exact cash amount in the safe 60 at the time of removal can be ascertained, and it is necessary to confirm the cash amount in the back work. There is no need to save time and effort, and the funds can be used efficiently.

According to a fourth aspect of the present invention, a cash stacker 61 is provided.
Since the number of settings of ~ 63 can be made variable, the funds can be efficiently used without a shortage of cash to be paid on a lot of payments, for example, on a pay day, a pension receiving day, or the like.

[0019]

【Example】

(a) Description of one embodiment of a deposit and withdrawal device FIG. 2 is an external view of an automatic transaction device of one embodiment of the present invention, FIG. 3 is a block diagram of one embodiment of the present invention, and FIG. FIG. 5 is a configuration diagram of a coin recycling unit according to an embodiment of the present invention.

In FIG. 2, the automatic transaction apparatus 1 includes a card entrance 10 for entering and exiting a customer's card, a passbook entrance 11 for entering and exiting a passbook, and a coin entrance 12 for entering and exiting coins. , A bill entrance 13 for entering and exiting bills, and a touch panel display section 14 having a touch panel and a display section.

In FIG. 3, reference numeral 3 denotes a card reader / writer, which reads and writes a customer's card from the card entrance 10; a card emboss reader which reads an embossed part of the customer's card; A passbook printer unit including a printer unit for creating a receipt / journal, a passbook magnetic stripe reader / write unit for reading and writing a magnetic stripe of a customer's passbook from the passbook entrance 11, and a passbook printer unit. It is what you have.

Reference numeral 5 denotes a customer operation unit having a color display for displaying operation guidance, operation details, and the like to the customer, and a touch keyboard for allowing the customer to input a personal identification number, a transaction type, a usage amount, and the like. Reference numeral denotes a bill recycling unit, which performs deposit and withdrawal of bills from the bill entrance 13, which is described in FIG. 4, 7 is a coin recycling unit, which deposits and withdraws coins from the coin entrance 12, This will be described with reference to FIG.

Reference numeral 2 denotes a control unit, which is composed of a processor and is connected to a center (or a terminal controller). The banknote recycling unit 6, coin recycling unit 7, card reader / writer unit 3, passbook printer unit 4, customer operation unit Reference numeral 8 denotes a clerk operation unit which controls the unit 5 and includes a display unit for displaying a state of a clerk safe (cash vault) 60, a keyboard for setting data required by the clerk, and the like.

The operation of this automatic transaction apparatus is well known.
It is not described here. In the configuration of the bill recycling unit in FIG. 4, the bill recycling unit 6 includes a cash safe 60 for replenishing / collecting bills, bill stackers 61 to 63 for accommodating bills of each denomination, and a discriminating unit for distinguishing bills. 64, a withdrawal pool section 66 for pooling bills to be paid, a deposit pool section 67 for pooling deposited bills, and an insertion / extraction section 68 having a bill shutter 13 and serving as a deposit / withdrawal port. Have.

Further, a forgotten box / reject box 69 for accommodating bills forgotten by the insertion / extraction section 68 and bills rejected by the discriminating section 64, and turning the front and back of the discriminated bills, Each stacker 6
1 to 63, a withdrawal pool section 66, and a front and back turn section 65 to be sent to the deposit pool section 67.

The operation of the bill recycling section 6 is as follows: bills are fed from a cashier's safe in a cash safe 60, sent to a discriminating section 64 through a transport path, discriminated by the discriminating section 64, and then stacked in accordance with discrimination types. And replenish the cash.

At the time of withdrawal, each stacker 61, 6
The banknotes are fed from 2, 63, sent to the discriminating section 64, discriminated by the discriminating section 64, pooled in the dispensing pool section 66, and the dispensed banknotes are collectively discharged to the insertion / extraction section 68, and the bill shutter 13 is opened. And withdraw money to the customer.

On the other hand, at the time of deposit, the bill shutter 13 is opened, and the bill inserted from the insertion and withdrawal section 68 is sent to the discriminating section 64, discriminated by the discriminating section 64, and then the billing pool section 67 via the front and back turn section 65. Is stored in the stackers 61, 62, and 63 according to the discrimination money type through the insertion / extraction section 68 from the deposit pool section 67 and the customer deposits the money.

In the configuration of the coin recycling unit shown in FIG.
The coin recycling unit 7 includes a coin cassette (cash vault) 70 for replenishing / collecting coins, and coins of each denomination (500 yen coin, 100 yen coin, 50 yen coin, 10 yen coin, 5 yen coin). ,
It has a coin stacker 71 accommodated in one-yen coin), and a pay-out unit 72 for feeding coins received from a cash slot and the stacker 71, coin cassette 70, and coins in the overflow stacker 77 to the discriminating unit 73.

Further, a discriminating unit 73 for discriminating coins from the payout unit 72, a discriminating unit 74 for discriminating discriminated coins, a primary holding unit 75 for temporarily holding the selected coins, and holding a dispensed coin, A deposit / withdrawal unit 76 for holding deposited coins,
Coin shutter 12, stacker 71, coin cassette 70
And an overflow stacker 77 for storing coins that have overflowed.

The operation of the coin recycling section 7 is as follows: coins are fed from the overflow stacker 77 or the coin stacker 70, sent to the feeding section 72 by the transport section, sent to the discriminating section 73 from the feeding section 72, and discriminated by the discriminating section 73. The coins are stored in the stacker 71 via the primary holding unit 75 according to the discrimination type, and coins are replenished.

At the time of withdrawal, coins are paid out from the stacker 71 and sent to the discriminating unit 73 via the paying-out unit 72.
After discrimination by the discriminating unit 73, the coin is discharged to the deposit / withdrawal port 76, the coin shutter 12 is opened, and the coin is dispensed to the customer.

On the other hand, at the time of deposit, the coin shutter 12 is opened, and the bill inserted from the deposit / withdrawal section 76 is fed to the payout section 7.
2 and sent to the discriminating unit 73 via the discriminating unit 73, and then temporarily stored in the primary holding unit 75.
It is stored in the stacker 71 from the primary holding unit 75, and is deposited.

(B) Description of deposit / withdrawal control in one embodiment FIG. 6 is a processing flowchart of an embodiment of the present invention, FIG. 7 is an explanatory diagram of the operation of the embodiment of the present invention (part 1), and FIG. FIG. 9 is an explanatory view of the operation of the embodiment (No. 2), and FIG. 9 is an explanatory view of a screen of the staff operating unit in the embodiment of the present invention.

Control unit (hereinafter referred to as processor) 2
Checks whether the cash safe 60 is installed. A safe detector is provided at the safe mounting position of the banknote recycling unit 6, and the processor 2 determines whether the cash safe 60 is mounted based on the output of the sensor.

When the processor 2 determines that the cash safe 60 is installed, the processor 2 reads the current number of sheets stored in each of the stackers 61 to 63 from its own memory at the time of waiting for a customer who does not deal with cash, checking the balance, and recording. Each stacker 6
It is determined whether the number of stored sheets 1 to 63 is equal to or less than the set number.

If the number is equal to or less than the set number, the processor 2
As shown in (C), cash is paid out from the cash vault 60 and replenished via the discriminator 64 so that the number of stored cash stackers 61 to 63 becomes the set number. If the number exceeds the limit, as shown in FIG. 8 (C), the cash larger than the stored number is collected from the stackers 61 to 63 into the cash safe 60.

In this manner, the cash stackers 61 to 63
Keep the number of sheets stored at the set number. The processor 2 checks whether or not payment has been made, and if there is no payment, proceeds to the step.

When the processor 2 determines that a payment has been made, it reads out the current storage number of each of the stackers 61 to 63 from its own memory and determines whether the storage number of each of the stackers 61 to 63 is equal to or less than the set number.

If the number is equal to or less than the set number, the processor 2
As shown in (A), the deposited cash is stored in each of the stackers 61 to 63 from the deposit pool 67, and is not less than the set number.
If the number exceeds the set number, the cash deposited in the deposit pool 67 is stored in the cash safe 60 as shown in FIG.

Next, the processor 2 checks whether or not there is a withdrawal. If there is no withdrawal, the processor 2 proceeds to the step. When judging that there is a withdrawal, the processor 2 reads out the current storage number of each of the stackers 61 to 63 from its own memory, and determines whether the storage number of each of the stackers 61 to 63 is equal to or less than the set number.

If the number is equal to or smaller than the set number, the processor 2
As shown in (C), cash is paid out from the cash safe 60 and replenished via the discriminating unit 64 so that the number of stored cash stackers 61 to 63 is equal to the set number. move on.

If the processor 2 determines in step that the cash safe 60 is not installed, it checks whether there is a deposit, and if there is no deposit, proceeds to the step, and if there is a deposit, as shown in FIG. Then, regardless of the number of stored cash in the cash stackers 61 to 63, the cash deposited in the deposit pool section 67 is stored in the cash stackers 61 to 63, and the process proceeds to step.

Further, as shown in FIG.
The same applies when the processor 2 detects that 0 is full. The processor 2 determines whether or not the operation has ended. If the operation has not ended, the process returns to the step. If the operation has ended, the process ends.

As described above, when a deposit is made, if the number of stored cash stackers 61 to 63 is equal to or less than the set number,
As shown in FIG. 7A, the received cash is transferred to the cash stackers 61 to 6.
3 and the number of stored cash stackers 61 to 63 is equal to or larger than the set number, as shown in FIG.
To be stored.

When cash is paid out from the cash stackers 61 to 63 due to withdrawal or the like, the cash stackers 61 to 63 are dispensed.
When the number of sheets stored in 3 is equal to or less than the set number, the cash safe 60
If there is any cash, replenishment is performed as shown in FIG. 7C, and the number of sheets stored in the cash stackers 61 to 63 is kept constant.

The cash safe 60 can be removed not only when the cash safe 60 is full, but also when the cash is not being collected / replenished. When the cash safe 60 becomes full, as shown in FIG. 9, the fact is displayed on the display unit of the clerk operation unit 8 as the cash safe state of the clerk processing screen, and the host computer is notified of the cash safe. Encourage the safe 60 to leave and collect cash.

When a cash is received while the cash safe 60 is being removed or is in a full state, the cash is temporarily stored in the cash stackers 61 to 63 irrespective of the number of storages in the cash stackers 61 to 63, and transaction processing can be performed. To do.

After the exchange of the cash safe 60, if the number of sheets stored in the cash stackers 61 to 63 is equal to or more than the set number, the cash is quickly collected from the cash stackers 61 to 63 to the cash safe 60 and the cash in the cash stackers 61 to 63 is removed. The stored number is set as the set number.

When the cash safe 60 is to be removed, if the number of copies in the safe 60 is desired to be determined, the cash in the cash safe 60 is counted in accordance with a determination instruction from the staff operation unit 8 or a host computer.

The number of sheets set in the control section 2 can be changed. The number of sheets in the apparatus can be changed from day to day, time and time from the clerk operation section 8 and the host computer, and can be scheduled or clerk processing.

On the other hand, in the case of coins, the only difference is that an overflow stacker 77 is provided.
It is the same as a bill. That is, when a deposit is made, if the number of stored cash stackers 71 is equal to or smaller than the set number, FIG.
As in (A), the received cash is stored in the cash stacker 71, and if the number of stored cash stackers 71 is equal to or greater than the set number,
As in FIG. 7B, a direct cash vault (coin cassette) 7
Store in 0.

When cash is paid out from the cash stacker 71 due to withdrawal or the like, when the number of sheets stored in the cash stacker 71 is equal to or less than the set number, the overflow stacker 7
If there is cash in the cash box 7 or the cash safe 70, replenishment is performed as in FIG. 7C, and the number of sheets stored in the cash stacker 71 is kept constant.

The withdrawal of the cash safe (coin cassette) 70
Not only when the cash safe 70 is full, but also when the cash is not being collected / replenished, it is always possible. When the cash safe 70 becomes full, as shown in FIG. 9, the fact is displayed on the display unit of the clerk operation unit 8 as the cash safe state of the clerk processing screen.
Further, it notifies the host computer, prompts the user to leave the cash safe 70, and collects cash.

Further, when a cash is received while the cash safe 70 is being removed or is in a full state, the cash is temporarily stored in the cash stacker 71 or the overflow stacker 77 regardless of the number of sheets stored in the cash stacker 71, and transaction processing can be performed. To do.

After the cash box 70 is replaced, if the number of sheets stored in the cash stacker 71 exceeds the set number, or if cash is stored in the overflow stacker 77, the cash box is immediately transferred from the cash stacker 71 or the overflow stacker 77. The number of sheets stored in the cash stacker 71 is set as a set number.

When it is desired to determine the number of copies in the cash box 70 when the cash box 70 is removed, the cash in the cash box 70 is temporarily moved to the overflow stacker 77 by the clerk's operation unit 8 or the host computer's confirmation instruction. The cash in the overflow stacker 77 is counted and the cash
Is collected by the overflow stacker 77.

(C) Description of Other Embodiments In addition to the above-described embodiments, the present invention can be modified as follows. Although the description has been given of the cash-receipt-and-disbursement device which handles both bills and coins, either one may be used.

Although the cash-receipt-and-disbursement device has been described as an example of an automatic cash dispensing and dispensing device, it may be applied to a teller-for-cash dispenser. As described above, the present invention has been described with reference to the embodiments. However, various modifications are possible within the scope of the present invention, and these are not excluded from the scope of the present invention.

[0060]

As described above, according to the present invention,
The following effects are obtained. Since the number of stored cash stackers is set to a predetermined number equal to or less than the full number, and the number of stored cash stackers is kept at a predetermined number, the cash safe can be freely removed and the funds can be effectively used.

Since the number of stored cash stackers is set to a predetermined number, necessary cash can be set, so that cash can be used effectively. Since the number of stored cash stackers is set to a predetermined number, even if the cash safe is removed, the operation can be continued, and the cash can be collected without lowering the operation rate.
If a deposit is made when the number of sheets in the stacker exceeds the
By storing gold cash directly in a cash vault, once
After storing it in a cashier, it is then automatically collected and placed in a cash vault.
Set the number of sheets in the stacker to the specified number earlier than in the collection process.
Can be In other words, cash replenishment and collection operations
During the operation of the cash vault, such as inside, remove the cash vault
Can not be stored directly in the cash vault.
By eliminating unnecessary cash collection operations,
A safe can be quickly released. Extra
By not performing the operation of collecting cash,
As a result, the failure rate of the mechanism is reduced. Ma
In addition, the life of the mechanism is extended. Automatic cash
Replenishment and collection processes take advantage of idle time waiting for customers.
That is being used, but processing such as collection is being performed.
At times, customer transactions are not possible and the collection process is interrupted
You will have to wait. But collecting extra cash
By eliminating the movement, the time the customer waits (customer
Time during which transactions are not possible) can be reduced.

[Brief description of the drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is an external view of an automatic transaction apparatus according to an embodiment of the present invention.

FIG. 3 is a block diagram of one embodiment of the present invention.

FIG. 4 is a configuration diagram of a bill recycling unit according to an embodiment of the present invention.

FIG. 5 is a configuration diagram of a coin recycling unit according to one embodiment of the present invention.

FIG. 6 is a processing flowchart of an embodiment of the present invention.

FIG. 7 is an operation explanatory view (part 1) of one embodiment of the present invention.

FIG. 8 is a diagram (part 2) for explaining the operation of the embodiment of the present invention;

FIG. 9 is an explanatory diagram of a screen of a staff operation unit according to an embodiment of the present invention.

[Explanation of symbols]

 2 Control unit 6 Banknote recycling unit 7 Coin recycling unit 60 Cash safe (banknote) 61 to 63 Banknote stacker 64 Identification unit 68 Insertion / extraction unit 70 Coin cassette (cash safe) 71 Coin stacker 73 Identification unit 76 Deposit / dispense unit

────────────────────────────────────────────────── ─── Continuation of the front page (56) References JP-A-3-108092 (JP, A) JP-A-63-47898 (JP, A) JP-A-3-11490 (JP, A) (58) Field (Int.Cl. ⁷ , DB name) G07D 9/00 326 G07D 9/00 408 G07D 1/00 381

Claims (4)

(57) [Claims] 1. A cash stacker (61-6) for storing cash.
3), a cash safe (60) detachable for replenishment and collection of cash, a discriminating unit (64) for discriminating cash, and a control unit (2), and the cash stacker (61 to 63). ) withdraws cash from, after differentiation of payment by cash in該鑑another portion (64), in the depositing and dispensing device for storing the the developing gold stacker (61 to 63), wherein the control unit (2), the cash stacker (61-63)
Is set to a predetermined number equal to or less than the full number ,
When the number of accommodated cash money stacker (61 to 63) exceeds the predetermined number, deposit and withdrawal control process of receiving and dispensing apparatus, characterized in that to accommodate the deposit cash money safe (60). 2. The control unit (2), wherein the cash safe (6)
0) When the cash stacker is full or when you leave,
Regardless of the number, deposit cash is transferred to the cash stacker (61-6
3. The cash safe (60), wherein when the cash safe (60) is mounted, cash exceeding the predetermined number of the cash stackers (61-63) is housed in the cash safe (60). withdrawal control process of receiving and dispensing apparatus 1 described. 3. The control unit (2), wherein the cash safe (6)
In the departure of step (0), cash in the cash safe (60) is paid out, discriminated by the discriminating unit (64), stored in the cash safe (60), and cash is fixed. Item 3. The deposit / withdrawal control method of the deposit / withdrawal device according to item 1 or 2. Wherein said control unit (2) is receiving and dispensing control of the cash stacker (61-63) the set number receiving and dispensing apparatus according to claim 1 or 2 or 3 further characterized in that the variable of Method.