JP3215373B2 - Automatic trading system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system which is installed in, for example, a mechanized corner of a bank and automatically performs deposit and withdrawal transactions of banknotes.

[0002]

2. Description of the Related Art In recent years, there has been an increasing need for cash management in an ATM,
In response to changes in the market environment, such as holiday operation such as Saturday and long-time operation on weekdays, the need for automation and simplification of replenishment of media such as banknotes is rapidly increasing.

[0003] Conventionally, banknotes are replenished to the deposit / withdrawal device by manually filling cash in a supplementary safe (safe cassette) for replenishment called a loading cabinet and setting the cash in the deposit / withdrawal device. Since it is not possible to manage how many bill types have been replenished as a device, these are sequentially loaded into each safe via an inspection device that inspects incoming and outgoing bills, and the number of banknotes in each safe is determined. I was

[0004]

As described above, the conventional replenishment method involves loading from an auxiliary safe (loading storage) into each safe via an inspection device used in depositing and withdrawing operations. During replenishment, deposit and withdrawal operations could not be performed, and the device had to be temporarily down, which was a problem in customer service.

[0005] Further, when a trouble such as a jam occurs in the loading conveyance path, the apparatus is stopped for recovery processing, which has been a problem in customer service.

SUMMARY OF THE INVENTION It is therefore an object of the present invention to provide an automatic transaction system capable of replenishing bills (including counting up) while keeping customer operations of the apparatus.

[0007]

SUMMARY OF THE INVENTION An automatic transaction system according to the present invention comprises a plurality of safes for accommodating bills to be dispensed by denomination, and a dispensing transfer for transferring bills taken out of these safes to a cash slot. Road and the banknotes inserted into the cash slot
Transfer path, transfer path, and transfer path
Provided in a common conveying path, the dispensed banknotes are transported and
A depositing / dispensing device having first inspection means for inspecting a deposited bill, and a bill for accommodating bills for replenishing the plurality of safes, an inlet for receiving bills and an outlet for taking out bills are provided separately. , An auxiliary safe configured to enable parallel processing of bill acceptance and withdrawal, and the dispensing transport path and deposit transport
Provided without intersecting the sending passage, the a conveying path back to convey to the inlet of the bill taken out from the outlet of the auxiliary safe the auxiliary safe, provided in the middle of the return transport path, the bill of the denomination, number, etc. And the banknotes taken out of the auxiliary safe are inspected by the second inspection means and returned to the auxiliary safe to determine the denomination and the number of banknotes stored in the auxiliary safe. cash replenishment device having a counting determining means for determining, and the bills taken out from the auxiliary safe of the cash replenishment system comprises a means for replenishing the plurality of safe of the depositing and dispensing device.

According to the present invention, the supplementary bills stored in the auxiliary safe can be once taken out and stored again, and the supplementary bills can be inspected and counted in advance. In this way, since the auxiliary safe has an independent transfer path that can determine the count, banknotes in the auxiliary safe can be determined in parallel with normal deposit and withdrawal operations, and the deposit and withdrawal can be performed without temporarily bringing down the device. Business can be continued, and operational efficiency and customer service can be improved. In addition, since the banknotes that cannot be determined by the second inspection means are returned to the auxiliary safe, the number of storages in the auxiliary safe can be determined by counting.

[0009]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 2 shows the appearance of a deposit / withdrawal device 1 as an automatic transaction device according to the present invention. That is, the housing 2
A substantially L-shaped operation unit 3 is formed on the front surface of the.
On the horizontal surface of the operation unit 3, there is provided a banknote depositing / dispensing port 4 through which a large number of banknotes P to be deposited, transferred and transferred or banknotes P to be dispensed can be inserted or taken out at once. The cash slot 4 is provided with a door 5 that can be opened and closed.

A color CRT display section 6 with a built-in touch sensor is provided on a horizontal plane of the operation section 3. The display unit 6 displays operation procedures and other information on the CRT screen in the form of illustrations, characters or words, and guides the user, and displays the password, the amount, the account number, the approval, confirmation or cancellation of the transaction. By pressing a display portion corresponding to the above, a touch sensor (not shown) detects the touch, and a so-called key operation of outputting a corresponding signal to a main control unit 11 described later is performed.

[0012] That is, for example, while displaying the words "Please press the transferee's name", the display of the katakana key for inputting the transferee's name, the alphanumeric designation key, and the key for indicating the form of the transferee's office are displayed. It is supposed to do it. Then, each time the operation of the machine or the state of the step changes, the content and display are changed.

A card slot 7 for inserting a magnetic card A as a transaction medium on which a personal identification number and account information are recorded, a passbook insertion slot 8 for inserting a passbook B, a coin, A coin slot 9 for inserting C, a coin change receiving port 10 for receiving a change of the coin C, and the like are provided.

In the housing 2, as shown in FIG.
A main control section 11 for controlling the whole; a magnetic card reader section 12 for receiving the magnetic card A inserted from the card insertion slot 7 and reading account information such as a password and an account number from a magnetic stripe section on the magnetic card A; , The passbook insertion slot 8
A passbook printing unit 13 is provided for reading the magnetic stripe portion of the passbook B inserted from the above and recording the transaction contents on the passbook B and journal paper (not shown).

Further, the banknotes P inserted in the banknote pay-in / pay-out port 4 are accepted, and a specified amount of banknotes P is paid out to the banknote-payment / payout port 4, and the banknote P is inserted into the coin slot 9. Accept the coin C
A coin receiving / dispensing unit 15 for paying out a specified amount of coins C to the coin insertion slot 9, a customer service unit 16 constituted by the CRT display unit 5, a voice guidance unit 17 for providing voice guidance to a customer by a speaker (not shown), A staff operation unit 18 having an internal monitor for the staff is provided.

Further, information on a financial institution required for the transfer transaction,
For example, a floppy disk drive 19 as a data file in which bank names and branch names are recorded in alphabetical order, a transmission control unit 20 for controlling data transmission between the main control unit 11 and a host computer (center) not shown, and ,
A power supply unit 21 is provided.

The main control section 11 is connected to a remote monitor 22 for an attendant provided outside.

The clerk operation unit 18 and the remote monitor 22 instruct local processing (examination processing for inspecting the state of the inside of the apparatus) such as detection of height, exchange of safes, and replenishment of journals. .

Next, with reference to FIG.
Will be described. This deposit / withdrawal unit 14
It is roughly composed of an upper unit 30 and a lower unit 31.

First, the configuration of the upper unit 30 will be described. Customer service surface direction of upper unit 30 (left direction in the figure)
The banknote pay-in / pay-out port 4 is provided at the upper part. Further, below the bill receiving / dispensing port 4, a bill accommodating chamber 32 capable of accommodating the bills P collectively is formed. This bill storage room 3
A take-out device 34 for taking out the banknotes P in the banknote accommodation room 32 one by one via a take-out roller 33 is provided below the front part of the banknote 2. In addition, one wall surface of the bill storage room 32 is a backup body 3 that can move in a direction of coming into contact with and separating from the other wall surface.
5, the capacity of which can be changed, and the bill P is taken out when the bill is taken in.
It is urged to the three sides.

In the lower part of the upper unit 30 in the customer service direction (left direction in the figure), the denomination of the banknote P, the authenticity, the overlapped conveyance,
A first banknote inspection device 36 is provided as first inspection means for determining front / back, breakage, and the like, and a rear side of the first banknote inspection device 36, that is, a center of the upper unit 30 in the front-rear direction. The unit is provided with a control unit 37.

Above the control section 37, there is provided a depositing temporary accumulating device 39 for temporarily accumulating the deposited banknotes P in the depositing temporary accumulating section 38 in a state where the front and back of the deposited banknotes P are aligned. Further, the banknote is temporarily located between the depositing / accumulating device 39 and the bill accommodating chamber 32 and temporarily accumulates the bills P to be paid to the customer at the time of dispensing in the dispensing / temporary accumulating unit 40 and then discharges the bills P to the bill accommodating chamber 32. An integration device 41 is provided.

Next, the configuration of the lower unit 31 will be described. A first safe 50, a second safe 51, and a third safe 52 are arranged in the center of the lower unit 31 in the front-rear direction in the order from the customer service direction (left direction in the figure). Of these, the first safe 50 and the second safe 51 are a 10,000 yen banknote for 10,000 yen banknotes, and the remaining third safe 52 is a 1,000 yen banknote for 1,000 yen banknotes. I have.

Each of the safes 50 to 52 is provided with a bill taking-in means 53 and a bill taking-out means 54 at the upper end, respectively, for storing bills P received by the customer,
Use it as a recycle box to take out from here when paying out and pay customers.

A main motor 5 as a drive source is provided in the direction of the customer service surface (leftward in the figure) in the lower unit 31.
5, and a driving force transmission system 56 for transmitting the driving force of the main motor 55 to driven parts such as a conveyor belt and rollers.
Are provided, and three storage-type safes 6 are provided in the lower part of the lower unit 31 in the rear direction (right direction in the figure).
0, 61 and 62 are arranged in the up-down direction.

The safes 60 to 62 are made into a cassette to form a safe cassette 63, which can be taken out integrally. The safe 60 in the upper row is a 5,000 yen / loss note storage for storing the 5,000 yen bill and the damaged bill at the time of deposit,
The middle safe 61 is a forgotten storage for storing banknotes left behind by customers, and the lower safe 62 is for storing rejected banknotes (excluded banknotes) at the time of withdrawal and deposit (after confirmation). Has become.

An auxiliary safe (loading / transfer box) 65 is provided above the safe cassette 63 so as to extend to the upper unit 30. As will be described later, the auxiliary safe 65 has a configuration in which the banknotes P can be stored and taken out at the same time, and can be used as a storage for replenishment of recycled banknotes, and can be used for the safes 50, 51, and 50 during the accounting process.
It is used as a transfer warehouse for temporarily transferring the 52 banknotes P.

In the vicinity of the auxiliary safe 65 and in the lower unit 31, the denomination of the banknote P, authenticity, overlapped transport, damage,
A second banknote inspection device 66 is provided as second inspection means for determining front / back, breakage, and the like.

In the upper unit 30 and the lower unit 31, a plurality of transport belts and rollers are provided, and a plurality of bill transport paths R1 to R19 are formed. Gates 70,... As sorting means for sorting the bills, and optical bill detecting means 71,.

Next, the configuration and operation of the auxiliary safe (loading storage) 65 will be described with reference to FIGS.

First, the basic configuration will be described with reference to FIGS. The safe cassette main body 80 includes an outer housing 82 having a lid 81 and an inner housing 8 forming a bill storage chamber 83.
4 and a bill take-in opening 85 is formed at the upper end-side, and a bill take-out opening 86 is formed at the lower end-side.

A take-in roller 87 is provided in the vicinity of the bill take-out port 85 so that the bill P carried out through the transport path R18 is fed horizontally into the bill storage chamber 83. ing.

In the vicinity of the bill outlet 86, the feed roller 8
8, one sheet take-out means 91 including a take-out roller 89, a separation roller 90, etc., is provided, and the bills P of the hopper 83a formed in the lower part of the bill storage chamber 83 are sequentially shifted one by one from the lowermost one. Each sheet is taken out horizontally.

A pusher 95 is disposed in the upper part of the bill storage chamber 83 so as to be movable up and down.
6, shutters 97, 97 and lifters 98, 98 are provided.

The separators 96, 96 and the shutter 9
7, 97 and the lifters 98, 98
6 can be moved up and down by using guide shafts 99 and 99 provided between the inner casing 84 and the vertical direction as the length direction, and two points in FIG. As shown by the chain line, the structure is such that it can be pivotally displaced to a position retracted from the bill storage chamber 83.

Further, at a slightly upper part of the bill storage chamber 83,
The first which can be retracted from the bill storage chamber 83 by rotating
, And the second stopper 10
Are arranged, and a backup 102 which is rotatable and retractable from the bill storage chamber 83 is provided below the bill storage chamber 83.

In the upper part of the safe cassette main body 80, a bill storage portion 103 is formed.

Next, with reference to FIG. 5, the operation of storing the banknotes P in the auxiliary safe 65 and the operation of taking out the banknotes P from the auxiliary safe 65 will be described.

First, as shown in FIG. 5, the bills P sent to the auxiliary safe 65 are taken into the upper part of the bill storage chamber 83 via the take-in rollers 87, and are accumulated horizontally on the separator 96. You. Then, the separators 96 are sequentially lowered according to the number of stacked banknotes P, and when about 200 sheets (soft count) are stacked on the separators 96, the broken line position 96 in FIG.
As shown by b, it descends to the vicinity of the first stopper 100.

In this state, the entry of the temporary banknote P is stopped, while the separator 9 is closed as shown by a broken line position 96c in FIG.
6 moves between the first stopper 100 and the second stopper 101, and the banknote P is supported by the first stopper 100.

Next, the separator 96 and the shutter 97 are simultaneously rotated about the guide shaft 99 as a rotation center, and are retracted from the bill storage chamber 83 (the position indicated by the two-dot chain line in FIG. 6).
Becomes Thereafter, as indicated by reference numeral 95 a in FIG. 5, the pusher 95 descends, pushes the bill P to below the second stopper 101, and moves the bill P onto the lifter 98.

At this time, the first and second stoppers 100,
101 is pushed by the bill P, and once escapes to the vertical position (retreat position) by the action of a spring member (not shown), returns to the horizontal position from the vertical position again. Note that a cutout portion is formed in a portion of the pusher 95 facing the first and second stoppers 100 and 101, so that the pusher 95 does not interfere with each other.

Next, the pusher 95 is raised to return to the original standby position, and the separator 96 and the shutter 97 are moved.
Is a position interposed in the bill storage chamber 83 (solid line position in FIG. 6).
Return to Thereafter, the separator 96 moves to an upper position indicated by a two-dot chain line. Thereby, the bill storage room 8 for the bill P
3 is completed.

By repeating such an operation, about 1,800 banknotes P (about 250 mm) can be stacked on the lifter 98.

During this time, the dispensing bill P in the hopper 83a in the lower part of the bill storage chamber 83 can be taken out at an appropriate time. The backup 102 is provided in the hopper section 8.
When the number of remaining banknotes P in 3a reaches about 200 (or height detection), the banknotes automatically move from the retracted position (solid line position) to a position (arrow A direction) where the banknotes P in the hopper 83a are pressed.

Next, when the banknotes P in the hopper 83a are exhausted, the backup 102 returns to the retracted position (solid line position) as shown in FIG. 5, and thereafter the lifter 98 is moved to the position indicated by the broken line position 98a in FIG. Descend. And lifter 9
The paper money P on the paper 8 is transferred to the feed roller 88 and the take-out roller 89 of the one-sheet take-out means 91 of the hopper 83a.

Thereafter, the tough 98 is moved to the guide shaft 99.
Is rotated about the center of rotation, and once moved up to a position retracted from the bill storage chamber 83, rises, and is again returned to the bill storage chamber 83.
Return to the position inside. Then, the storing operation and the extracting operation of the banknote P can be performed.

FIG. 7 is an external view of the auxiliary safe 65 described above. That is, a door 104 is provided on the surface of the auxiliary safe 65, and an IC card 105 is mounted on the door 104. In addition, for security, door 1
A key 106 is attached to 04 and is configured to be lockable. Note that instead of the key 106, I
From the C card 105, enter the password and verify it,
It is also possible to manage the opening and closing of the valve 04. In this case, an actuator such as a solenoid and a power supply therefor are mounted. In the upper part of the auxiliary safe 65, a reject box (hereinafter also referred to as a bill storage unit) 103 is formed, and an entrance 107 is provided.

FIG. 8 shows the auxiliary safe 65 as viewed from the bottom. On the bottom surface, a take-out roller 89 protrudes from the front surface, and gives a conveying force to bills carried out of the safe. In addition, the bottom surface is the bill conveyance surface as it is.

Further, a connector 108 for data transfer is provided, which is embedded in the recess for protection. The connector 108 is for transmitting the information of the IC card 105 described above.

FIG. 9 is an external view of the auxiliary safe 65 when the door 104 of the auxiliary safe 65 is opened. A plate 109 is provided on the upper side to form the reject storage 103.

FIG. 10 shows how the intelligent safe is attached to and detached from the main unit. Depending on the installation status of the aircraft,
Two types, up-down mounting and front-rear mounting, are available.

FIG. 11 shows an external view of an IC card 105 as a storage means in the present invention. IC card 105
Is provided with a display unit 110, for example, using a liquid crystal display. As the key 111, various operation keys including a numeric keypad are provided.
Of these, the contents of the memory can be sequentially output to the display unit 110 by using the arrow keys. The key 111 is used to input data such as a safe number and a branch number. For reference, FIG.
FIG. 2 shows a block diagram of a C card 105.

FIG. 13 shows a cash management system in a bank office using an intelligent safe. Deposit / withdrawal device (A
TM) 200, a currency exchange machine 201, and a dispensing device (C
D) Automatic transaction device such as 202 and teller depositing and dispensing machine 20
Window machines such as 3 and cash processing machines 20 used by cashiers
4 can attach and detach a common intelligent safe 65. In the morning, the cash and the attached data (such as denomination, number of sheets, etc.) are completed by simply setting the intelligent safe 65, which is placed in the vault 205 and packed with necessary amounts of banknotes the day before, in each machine. I do. In the evening, when the office is closed, the intelligent safe 65 is pulled out of each machine, and the intelligent safe 65 is sequentially set in the cash processor 204, and data is collected, thereby closing the entire branch. Thereafter, a cash set for the next day is executed. As described above, it is not necessary to recount all cash and collate with a voucher, which is conventionally performed, which is a great labor saving.

Further, here, a safe locker 206 is connected to the intra-branch network, and a spare safe (auxiliary safe 65) is stored in the safe locker 206.
Since the information in the vault is collected, the total cash in the branch can always be grasped in real time, so that cash operation efficiency and security can be improved.

FIG. 14 shows the door 21 of the safe locker 206.
FIG. 3 is an external view when opening 3; This safe locker 2
Reference numeral 06 stores a banknote safe (intelligent safe) 207 (equivalent to the auxiliary safe 65) with a storage function, and the number and total amount of banknotes in the safe held by the intelligent safe 207 for each denomination, a safe number, and the like. The adapter 208 having the receiving means for receiving the data of
There are 48 items up to F8, which are arranged in a grid pattern in the frame and constitute a safe locker.

Each adapter 208 is connected to the data processing unit 20.
9 and received by the adapter 208, information on the possession of each intelligent safe 207, lockers for safes, access information to each intelligent safe 207,
The data processing unit 209 for centrally processing data of other cash processing machines is provided with a CRT display unit 210 for displaying received information and a printer 211 for printing and outputting as data display means. CRT display section 210
Or, the number of the intelligent safe 207 to be output to the printer 211 is designated by the address designation key 212.

FIG. 15 shows the door 21 of the safe locker 206.
3 when the door 213 is closed.
Attached to the main body so that it can be opened and closed. Door 213
Is provided with an ID card reader 216 for reading the data of the ID card 215 which the operator owns and stores different data, collates with the operator identification data stored in a database in advance, unlocks and opens the door 213. To be able to The read data at this time is
The data is transmitted to the data processing unit 209 and the safe locker 206 is transmitted.
And stored as access information to the intelligent safe 207.

FIGS. 16, 17, and 18 show display examples of the CRT display section 210. FIG. FIG. 16 is a screen displaying the sum of all banknotes managed by the intelligent safe 207 in the branch of the financial institution. Here, when the screen switching button A is pressed, as shown in FIG. 17, each intelligent safe 2 stored in the safe locker 206 is displayed.
The screen is switched to a screen showing the content of 07.

On this screen, for example, [C-4] indicates the address of the safe locker 206 and [N]
O. 608] is the intelligent safe 207
The number of each denomination stored therein is displayed below. Here, scroll button B,
When C is pressed, the screen is scrolled up, down, left and right, and the display shifts to the display of another address of the safe locker 206.

In addition, there is a screen showing the contents of each ATM, the contents of the cashier for the teller, the contents of the teller machine, etc. When the screen switching button A is pressed, the screen changes sequentially. .

Further, as shown in FIG. 18, when the address is designated by the address designation key 212, the data of the intelligent safe 207 desired to be displayed can be displayed. In this case, not only the number data for each denomination in FIG. 17 but also a lot of data such as the insertion / removal history of the intelligent safe 207 and transaction data at the cash processor can be displayed. Also on this screen, the held data is sequentially seen by scrolling up and down, and the address and safe number on the top line are fixed even when scrolled.

FIG. 19 shows an example of printing by the printer 211. The content is almost the same as the display screen of the CRT display unit 210. In addition to this example, detailed data printing of each safe is designated by the address designation key 212 and output. Date / time data is added to each output.

Each adapter 208 has a lock that prevents the intelligent safe 207 from being inserted and removed. This lock inserts the operator's ID card 215 into the ID card reader 216, reads the written information, and
The data is compared with the operator identification data stored in advance in the database, and when the data matches, the data is unlocked. The read data at this time is transmitted to the data processing unit 209, and the safe locker 206 and the intelligent safe 2 are used.
07 is stored as access information. Note that only the adapter 208 specified by the address specification key 212 can perform the lock operation.

Referring to FIG. 20, the locking mechanism of the adapter 208 will be described. The lock plate 217 is connected to the fulcrum 21.
8 and a spring 2 at one end.
19, the force is constantly applied in the clockwise direction, and the stopper pin 220 is positioned at the position indicated by the solid line. At this time, the other end of the lock plate 217 enters the safe loading space of the adapter 208,
When the safe 207 is loaded, the safe 207 functions so that it cannot be pulled out by being hooked on the lock groove 221 of the safe 207,
When the safe 207 is not loaded, it functions so that the safe 207 cannot be loaded. By the collation using the ID card 215, the plunger solenoid 222 attached to the lock plate 217 is operated to be pulled into the position indicated by the one-dot chain line, so that the safe 207 can be loaded and unloaded.

As described above, since the lock is provided in each adapter 208, the insertion and removal of the safe 207 can be managed by the adapter 208, and the adapter 208 can be freely installed.

In the example of FIG. 14, all the adapters 208 are accommodated in one frame. However, in practice, the adapters 208 can be arranged at various places in the branch office.

If an input means such as a card reader is provided for each adapter 208, it is possible to manage the insertion and removal at each location, thereby improving operability.

Next, various processing operations will be described.

FIGS. 21 and 22 show the flow of bills during a deposit transaction. First, in FIG. 21, when a bill P is inserted into the bill storage chamber 32 from the bill depositing / dispensing port 4, the bill P is sequentially conveyed through the bill conveying paths R <b> 1 to R <b> 4 as indicated by solid arrows, and temporarily accumulates the deposit. It is led to the device 39. After that, the banknote transport path R5 or R
6 and is temporarily accumulated in the deposit temporary accumulation unit 38 in a state where the front and back are arranged.

At this time, the rejected banknotes P that could not be read by the first banknote inspection device 36 provided in the banknote transport path R2 are transferred from the banknote transport path R6 to the withdrawal temporary accumulating section 40 as indicated by the dashed arrow. After being guided and accumulated, the bill transport path R
7 and collectively returned to the bill storage room 32, and the door 5 is opened to have the customer re-enter.

When all the bills P have been read, the deposit amount is displayed on the CRT display unit 6. Here, the customer confirms the amount and, if correct, presses a confirmation button on the CRT display unit 6 with a built-in touch sensor. When this confirmation button is pressed,
In FIG. 22, as indicated by a solid line arrow, the deposit temporary accumulation section 38
Are taken out one by one, and the banknote transport paths R8, R
1, R2, and R9 are sequentially conveyed.

Then, the 10,000-yen bill and the 1,000-yen bill are guided to the bill transport path R10 side, and the first safe (10,000 yen bank) 50, the second safe (10,000 yen bank) 51, and the third safe Is stored in a safe (thousand yen storehouse) 52. In addition, the 5,000-yen bill, the damaged bill, and the reject bill are guided toward the bill transport path R11.

Then, the 5,000 yen bill and the damaged bill are stored in the safe (5,000 yen / damage storage) 60 in the upper section of the safe cassette 63, as indicated by the dashed arrow. Also, the rejected banknote is placed in the safe cassette 6 as indicated by the two-dot chain line arrow.
3 is stored in a safe (reject storage) 62 at the lower stage.

FIG. 23 shows the flow of bills during a dispensing transaction. The banknote of the amount requested by the customer is stored in the first safe (10,000 yen)
50 or 2nd safe (10,000 yen storehouse) 51 and 3rd
Take out from the safe (thousand yen storehouse) 52 of the banknote transport path R10,
R15, R2, R3, R4, and R6 are sequentially conveyed, guided to the dispensing temporary accumulating device 41, and temporarily accumulated in the dispensing temporary accumulating unit 40. Then, after the stacking, the bills are returned to the bill storage room 32 via the bill transport path R7 at one time, and the door 5 is opened to pay the customer.

On the other hand, the rejected banknotes are stored in a safe (reject box) 62 below the safe cassette 63, as indicated by the two-dot chain line arrow.

At the time of the dispensing and depositing operations, if there is a bill P in the bill accommodating chamber 32 even after a certain period of time has elapsed, it is determined that "forgot". Then, after the door 5 is closed, as shown in FIG. 24, the banknotes P in the banknote storage chamber 32 are sequentially taken in one by one by the take-out rollers 33, and the banknote transport paths R1, R2, R
9, R11 and R13 are sequentially conveyed to the safe cassette 6
3 and is collected in a middle safe (forgotten storage) 61.

FIG. 25 shows the flow of bills at the time of replenishment when the number of dispensed bills is low. Banknote P of auxiliary safe 65
Are sequentially taken out one by one from the lower end thereof, and the bill transport path R1 is taken out.
Send to 6. Then, the denomination and the like are checked by the second banknote inspection device 66 provided in the banknote transport path R16, and the first safe (10,000 yen store) 50 and the second safe are sequentially passed through the banknote transport paths R17 and R10. Safe (10,000 yen storage) 51, and
The third safe (thousand yen storehouse) 52 is replenished with bills. At this time, the rejected bills generated are transferred to the bill storage unit 10 formed on the upper part of the auxiliary safe 65 via the bill transport path R18.
Put in 3.

FIG. 26 shows the flow of banknotes in the case where the number of banknotes to be replenished in the auxiliary safe 65 to be refilled into the safes 50, 51, 52 is inspected and counted in advance. First, during normal business operations for customers, for example, at the time of payment processing, as described above, the processing is performed along the route indicated by the broken arrow.

On the other hand, in the auxiliary safe 65, the banknotes P manually packed in the auxiliary safe 65 are sequentially taken out one by one from the lower outlet 86 and sent to the banknote transport path R16.

Then, the sheet is returned upward as indicated by the solid line arrow via a replenishment bill return conveyance path R20 composed of the bill conveyance paths R16 and R18. Discrimination of the bill P, such as denomination, genuineness, overlapping conveyance, damage, front and back, is performed.

Then, the banknote P judged to be able to withdraw to the customer is re-opened from the banknote inlet 85 to the auxiliary safe 65.
Is returned to the bill storage chamber 83. In addition, rejected bills, damaged bills, and the like are put in the bill storage chamber 103 of the same auxiliary safe 65 as indicated by the two-dot chain line arrow.

Banknotes P manually packed in the auxiliary safe 65
Does not recognize the denomination, the number of sheets, or the like as a device, but the banknote P once detected by the second banknote inspection device 66 has these data recognized and becomes managed cash. Therefore, the banknote P can be used as a banknote service from the auxiliary safe 65 as a banknote for customers.

As shown in FIG. 1, the flow of banknotes in the normal deposit and withdrawal business (path indicated by a broken line) does not intersect with the flow of banknotes during inspection of replenishment paper notes (path indicated by a solid line). , And can be processed in parallel.

Referring to FIG. 27, the transfer of cash from the intelligent safe 65 to the ATM body according to the present invention will be described. The banknotes P sequentially carried out from below the intelligent safe 65 are denominated by the second banknote inspection device 66,
Authenticity, overlapping conveyance, and the like are discriminated, classified by denomination, and stored in safes 50, 51, 52 for recycling.
The taking out of the bill is stopped after confirming that the detection of the residual portion in the taking-in portion becomes "bright" and that there is no bill.

At this time, when it is confirmed by the entire residual detection that there is no banknote P in the intelligent safe 65, the number data of each denomination held by the intelligent safe 65 and the banknotes are stored in the recycle boxes 50, 51, and 52. The ATM automatically checks the number of each denomination, and if they match, the display unit 110 of the IC card 105 displays “Shi-No-Kon-Washi-Kari”.

Also, the residual portion detecting section becomes “bright”, and
When the entire residual detection is “dark” without the banknote P in the take-in section, the indistinguishable ticket has returned to the intelligent safe 65 along the path indicated by the broken line in FIG. It is moved to the lower receiving section and automatically reloaded (retried). As a result, the recycle boxes 50, 51, 52
If all the banknotes P are stored in the storage area, the delivery completion processing described above is performed.

If the delivery has not been completed even after retrying a preset number of times, the display 110 on the IC card 105 indicates "Kei-Sho-Now.
"Ant" is displayed and the operator is notified. This allows
The operator extracts the indistinguishable ticket from the intelligent safe 65, checks the number of coins for each denomination, and checks the IC card 1
Input from the key 111 of 05. By completing this input,
The ATM collates the data in the intelligent safe 65 with the counting result (including the manually input data), and the processing is completed.

In the collation including the manual input, a human system intervenes in the cash management system by the task of manual input.
This function may be necessary especially when the intelligent safe 65 is delivered to a teller, so this function is provided.

The number of retries is determined by the IC card 105
Is set by inputting from the key 111.

In this example, the description has been made in the case of ATM.
The cash processor of the teller and the cashier of the teller operate in substantially the same manner.

FIG. 28 is a view showing a case in which the auxiliary safe 65 is used as a cash-out safe. The rejected ticket at this time is stored in the bill storage unit 103.

Next, another configuration of the deposit / withdrawal unit 14 will be described with reference to FIGS.

The upper unit 300a and the lower unit 30
0b, and the upper unit 300a has substantially the same configuration as the depositing / dispensing unit 14 shown in FIG.

Reference numeral 301 denotes a 10,000 yen store, reference numeral 302 denotes a 5,000 yen store, and reference numeral 303 denotes a 1,000 yen store. The banknotes received by the customer are stored therein. Use as Each of the storage boxes 301, 302, and 303 having the recycle function has storage means similarly to the above-described auxiliary safe (intelligent safe) 65, and determines how many denominations of bills are stored therein. I remember.

[0096] Reference numeral 304 denotes a collection box which is used to collect withdrawal banknotes and rejected banknotes when they have been received if the customer forgets to pick them up so that they can proceed to the next transaction. The banknotes are set and replenished similarly to the safe 65.

Reference numeral 304a is used as a deposit storage / reject box for storing a rejected ticket which is accumulated in the deposit temporary accumulating unit 38 at the time of deposit and is used to retake a bill which has already been accepted as a machine.

The flow of banknotes in a deposit / withdrawal transaction will be described with reference to the schematic diagram of FIG. In the figure, the thick line indicates the flow of normal tickets, and the broken line indicates the flow of reject tickets.

First, the payment transaction will be described. The banknotes P set in the banknote deposit / withdrawal port 4 are taken in one by one,
The bills are discriminated by the banknote inspection device 36, and the bills are collected in the depositing temporary accumulating unit 38 with the front and back sides arranged. The rejected banknote at this time is returned to the banknote deposit / withdrawal port 4 via the withdrawal temporary accumulation unit 40. The correct banknotes P are taken in one by one from the deposit temporary accumulation unit 38 and stored in the storages 301, 302, 303. At this time, the banknotes to be used again for dispensing are stored in the denomination recycle boxes 301a, 302a, and 303a, and the banknotes not used for dispensing, such as damaged banknotes and dirty banknotes, are stored in the denomination reject boxes 301b, 302b, and 302b. 3
03b. The indistinguishable bill at this time is stored in the deposit storage reject box 304a.

Next, the withdrawal transaction will be described. The bills P taken out one by one from the recycle bins 301a, 302a, 303a are discriminated by the bill inspecting device 36, and are dispensed to the bill depositing / dispensing port 4 through the dispensing temporary accumulating section 40. At this time, the rejected bills generated are all denominated reject boxes 301b, 301b in the original denominated storage box.
02b and 303b. This is money storage
This is an indispensable handling in order to determine the denomination number data held by 01b, 302b, and 303b even when the storage is removed from the main body.

Now, the 10,000 yen bill is stored in the 10,000 yen storage 301.
If 50 coins are dispensed in the withdrawal transaction, 950 coins remain in the 10,000 yen store 301 after this transaction. However, if a reject occurs in this transaction, there may be a case where some of the rejected banknotes are conveyed in a stack, and the machine does not know how many rejected banknotes are.

If this is stored in a place other than the ten thousand yen storage 301, the number of sheets in the ten thousand yen storage 301 becomes unknown. For this reason, all rejected banknotes dispensed from the recycle boxes 301, 302, 303 are returned to the original recycle box.

In this example, each storage (301, 302, 3
03), 301b, 302b, and 303b are provided for exclusive use of banknotes not used for dispensing such rejected banknotes, damaged banknotes, and dirty banknotes.
This is because these banknotes contain many banknotes that are difficult to stably convey, such as torn banknotes and folded banknotes, and re-conveying them lowers the reliability of the device. is there.

When a customer does not remove a rejected bill at the time of withdrawal or deposit after a certain period of time, the bill is stored in the collection box 304b so that the customer can proceed to the next transaction, and deposited as a financial institution.

When the recycle box is set in the automatic transaction apparatus, the cash in the recycle box, its denomination,
Data such as the number of copies and the number of the recycle bin
Sent to an automated teller machine and placed under its control. When the recycle box is pulled out, cash and data are removed from the control of the automated teller machine.

Also, when the recycle box is removed and inserted,
The date and time of the insertion and removal and the machine number of the automatic transaction device are stored in the auxiliary safe storage means (IC
Card).

[0107]

As described in detail above, according to the automatic transaction system of the present invention, the supplementary banknotes stored in the auxiliary safe can be taken out once and stored in the auxiliary safe again, without using another safe. In addition, supplementary banknotes can be inspected and counted in advance using only the auxiliary safe, and the auxiliary safe can independently perform banknote counting processing. As a result, the banknotes in the auxiliary safe can be counted, thereby improving operation efficiency and customer service. Also, the second
Since the banknotes that cannot be determined by the auditing means are returned to the auxiliary safe, the number of storages in the auxiliary safe can be determined by counting.

[Brief description of the drawings]

FIG. 1 is a cross-sectional view showing a driving mechanism of a depositing / dispensing unit of a depositing / dispensing apparatus according to an embodiment of the present invention.

FIG. 2 is a perspective view showing the external appearance of the entire depositing / dispensing apparatus.

FIG. 3 is a block diagram showing a configuration of a deposit / withdrawal device.

FIG. 4 is a cross-sectional view showing a configuration of a deposit / withdrawal unit.

FIG. 5 is a front view schematically showing a configuration of an auxiliary safe.

FIG. 6 is a plan view schematically showing an internal mechanism of the auxiliary safe.

FIG. 7 is a perspective view illustrating the configuration of an auxiliary safe.

FIG. 8 is a perspective view for explaining the configuration of an auxiliary safe.

FIG. 9 is a perspective view for explaining the configuration of an auxiliary safe.

FIG. 10 is a perspective view for explaining the mounting operation of the auxiliary safe.

FIG. 11 is a plan view showing the appearance of an IC card.

FIG. 12 is a block diagram schematically showing the configuration of an IC card.

FIG. 13 is a diagram for explaining a system in a bank branch.

FIG. 14 is a perspective view illustrating a safe locker.

FIG. 15 is a perspective view for explaining a safe locker.

FIG. 16 is a diagram showing a display example of a CRT display unit of a safe locker.

FIG. 17 is a diagram showing a display example of a CRT display unit of a safe locker.

FIG. 18 is a view showing a display example of a CRT display unit of a safe locker.

FIG. 19 is a diagram illustrating a printing example of a printer.

FIG. 20 is a diagram illustrating a lock mechanism of the safe locker.

FIG. 21 is a diagram showing a flow of banknotes at the time of payment.

FIG. 22 is a diagram showing a flow of banknotes at the time of payment.

FIG. 23 is a diagram showing a flow of banknotes at the time of dispensing.

FIG. 24 is a diagram showing the flow of banknotes during collection.

FIG. 25 is a diagram showing a flow of banknotes at the time of replenishment.

FIG. 26 is a diagram showing the flow of bills when counting the bills in the auxiliary safe.

FIG. 27 is a diagram showing a flow of bills for explaining a loading process.

FIG. 28 is a diagram showing a flow of banknotes when an auxiliary safe is used as a cash-out safe.

FIG. 29 is a cross-sectional view illustrating a configuration of a deposit / withdrawal unit according to another embodiment.

FIG. 30 is a conceptual diagram showing the flow of banknotes in another embodiment.

[Explanation of symbols]

3 ... operation unit, 4 ... banknote deposit and withdrawal port, 6 ... display unit, 7
... Card insertion slot, 8 passbook insertion slot, 11 main control unit, 14 deposit / withdrawal unit, 36 first banknote inspection device (first inspection unit), 50, 51, 52 …safe,
65: Auxiliary safe, 66: Second banknote inspection device (second banknote
, 83 ... bill storage chamber, 85 ... bill inlet, 86 ... bill outlet, 103 ... bill storage unit, P ...
... banknotes, R1 to R19 ... banknote transport path, R20 ... replenishment banknote return transport path.

──────────────────────────────────────────────────続 き Continuation of the front page (56) References JP-A-60-100285 (JP, A) JP-A-4-123290 (JP, A) JP-A-2-211596 (JP, A) JP-A-62-100 2393 (JP, A) JP-A-1-96789 (JP, A) (58) Fields investigated (Int. Cl. ⁷ , DB name) G07D 9/00

Claims (1)

(57) [Claims] A plurality of safe a 1. A dispensing bill accommodating denomination, and dispensing transport path for transporting to the cash slot of a bill taken out from these safe, is inserted into the entering-dispensing port Banknotes
A deposit transfer path for transferring to the safe,
A first inspection unit that is provided on a common transport path of the gold transport path and that inspects a dispensed bill and a deposited bill to be conveyed;
A depositing and dispensing device, which stores bills for replenishing the plurality of safes, an inlet for accepting bills and an outlet for taking out bills are provided separately, and parallel processing of bill receiving and taking out is possible. And a return transport path, which is provided without intersecting with the dispensing transport path and the deposit transport path, and transports a banknote taken out from an exit of the auxiliary safe to an entrance of the auxiliary safe. It is provided in the middle of this return conveyance path,
Second inspection means for inspecting the number of sheets and the like, and denominations of banknotes stored in the auxiliary safe by inspecting the banknotes taken out of the auxiliary safe by the second inspection means and returning the banknote to the auxiliary safe; cash replenishment device having a counting determining means for determining the number, the banknotes taken out from the auxiliary safe of the cash replenishment system equipped with a means for replenishing the plurality of safe the input <br/> dispensing device Automatic trading system characterized by the following.