JP4007842B2 - Money handling system in a financial office - Google Patents

Description

▲１▼ロビー機２００で１０００枚の大量出金を行ったが、９００枚払い出し後にエラー発生し、ロビー係員が立替出金を選択した。ロビー機２００では１０００枚の出金を成立として一旦完了する。一方、出納機１００ではロビー機２００に１００枚立替出金したものとして処理する。
【００５４】

▲２▼ロビー機２００を締上げる。そして出納機１００にて営業店内を締上げる。
【００５５】
つまり、ロビー機２００の収納庫にある１００枚はすでに支払われたものとして処理されているので、これを取り出して、出納機１００に戻せば、出納機の在高は元の状態に戻ることになる。
【００５６】

図９、図１０、図１１は本発明の第２実施例である継続入金処理の場合の流れを示すフローチャートである。
【００５７】
顧客がロビー機２００で入金しようとしたがエラー発生（収納庫フル又は紙幣ジャム等）の為、出納機１００に入金を引き継ぐ場合の処理である。
【００５８】
顧客はロビー機１００のメニュー画面にて、入金を選択し、通帳、カードを入れ、入金金額が判っている場合には金額を入力する（ステップＳ２０１）。
【００５９】
次に、入力した金額に相当する貨幣を投入するが（ステップＳ２０２）、入金額が多いときには、ロビー機２００の一時保留部が一杯になる毎に、一時保留部から収納庫への収納を行うようになっている。このとき、収納庫に収納された金額分はレシートに印字される。（返却が必要なときにはこの額が出納機から返却されることになる。）
このとき、エラーが発生した場合は（ステップＳ２０３のＹＥＳ）、「係員をお呼び下さい」のメッセージが表示されるので、ロビー係員が来て、パスワードを入力して、係員の顧客対応メニューを表示させる（図１８）（ステップＳ２０４）。
【００６０】
ここで、顧客が出納機側での入金引継を希望しない場合（ステップＳ２０５のＮＯ）、すなわち、顧客が収納分のデータのみで入金完了を希望する場合（図１８の「１」の場合）はそのまま完了し、顧客が処理のキャンセルを希望し収納済みの現金の返却を希望する場合（図１８の「３」の場合）は、後述の実施例３の返却引継処理を選択する。
【００６１】
顧客が引き続き入金を希望する場合（図１８の「２」の場合）には、「出納機入金引継」を選択し（ステップＳ２０５のＹＥＳ）、出納機１００に対して、取引金額、既入金金額が含まれるデータを送信する（ステップＳ２０６）。具体的には、図１９において「１．はい」を選択して実行すればデータが送信される。
【００６２】
その後、ロビー機２００は通帳に入金額を印字して、カード、通帳を排出する（ステップＳ２０７）。ロビー係員は、ロビー機２００の一時保留部に現金がある場合には、取り出す。ここで、ロビー係員はレシートと通帳、現金を一旦出納係員に渡す。
【００６３】
一方、出納機１００は、ロビー機２００からデータを受信すると（ステップＳ２１１）、入金引継リストに登録がされる（ステップＳ２１２）。
【００６４】
この後、出納係員は、入金の為の伝票を作成し、出納機１００のところへ行き担当者カードを通す（ステップＳ２２１）。出納機ではロビー機よりの入金引継ぎデータが送られてきており、担当者カードが通された際にメニュー画面のポップアップ通知（図２０の右上の表示）をし（ステップＳ２２２）、受付リスト（図２１）を表示し該当するもの（図２１の「１」）が選択されると、入金引継ぎ処理を開始する。入金引継ぎ処理では現在の入金完了金額と申告された入金金額が表示されるので、出納係員は伝票の内容と比較してＯＫであれば「完了」ボタンを押す（ステップＳ２２３のＹＥＳ）。
【００６５】
そして、入金貨幣をセットしスタートボタンを押下すると現金が繰り入れられ、計数され（ステップＳ２２４）、メニュー画面に入金額が表示される。この入金額と前記伝票の額とが一致した場合は（ステップＳ２２５のＹＥＳ）、伝票に認証印字を行い（ステップＳ２２６）、係員は通帳と現金を顧客に返却するとともに、ロビー機２００から借りた旨の記憶をする（ステップＳ２２７）。その後、ジャーナル印字をして（ステップＳ２２８）、取引を終了する。
【００６６】
次に、実施例２に於ける在高・勘定の移り変わりは、ロビー係員がロビー機での入金を中断した時点では（ステップＳ２０４の時点）、一時保留部にある端数は収納庫に収納されていないのでロビー係員によりそのまま返却されるが、収納されてしまったものについては以下に説明する。
【００６７】
引継ぎ入金を選択した場合
該当取引開始時に出納機、ロビー機とも在高が０枚の状態とする。
【００６８】

▲１▼ロビー機で大口入金１０００枚の内９００枚収納後にトラブル発生。出納機へ引継ぎ入金を要求し、引継ぎ入金完了した状態。
【００６９】

▲２▼ロビー機を締上げる。そして出納機にて営業店内を締上げる。
【００７０】
つまり、ロビー機２００の収納庫にある９００枚は出納機に入金されたものとして処理されているので、これを取り出して、出納機１００に戻せば、出納機の在高と入金計が合うことになる。
【００７１】

図１２、図１３、図１４は本発明の第３実施例である返却引継ぎ処理の場合の流れを示すフローチャートである。
【００７２】
顧客がロビー機で入金しようとしたが、途中でエラー発生（収納庫フル又は紙幣ジャム等）の為、入金をキャンセルして、すでにロビー機の収納庫の中に収納されてしまって取り出せない金額分の返却処理を、出納機に引継ぐ場合の処理である。
【００７３】
顧客はロビー機のメニュー画面にて、入金を選択し、カード・通帳を入れ、入金金額が判っている場合には金額を入力する（ステップＳ３０１）。次に、入金する貨幣を投入するが（ステップＳ３０２）、入金額が多いときには、一時保留部が一杯になる毎に、一時保留部から収納庫への収納を行うようになっている。このとき、収納された金額はレシートに印字される。（返却が必要なときにはこの額が出納機から返却されることになる。）
ここで、エラーが発生したり（ステップＳ３０３のＹＥＳ）、或いは、入金終了後の金額確認にてＮＧになった場合には（ステップＳ３０４のＮＯ）、顧客は「取消キー」を押す。そうすると、「係員をお呼び下さい」のメッセージが表示されるので、ロビー係員が来てパスワードを入力して、係員メニューを表示させる（図１８）（ステップＳ３０５）。
【００７４】
顧客が収納済みの金額の返却を希望する場合（図１８の「３」の場合）には、「出納機返却引継」を選択し（ステップＳ３０６のＹＥＳ）、ロビー機は出納機に対して、取引金額、返金額が含まれるデータを送信する（ステップＳ３０７）。その後、ロビー機はカード、通帳を排出する（ステップＳ３０８）。ロビー係員は、ロビー機の一時保留部に現金がある場合には、取り出す。ここで、ロビー係員はレシートと通帳、現金を一旦出納係員に渡す（この段階では顧客には渡さない）。
【００７５】
一方、出納機１００は、ロビー機２００からデータを受信すると（ステップＳ３１１）、返却引継リストに登録がされる（ステップＳ３１２）。
【００７６】
出納係員は、返金の為の回金伝票を作成し出納機のところへ行き、出納機に担当者カードを通す。
【００７７】
前述のように、出納機にはロビー機よりの返却要求データが送られてきており、担当者カードを通した際に（ステップＳ３２１）、メニュー画面にポップアップ通知（図２０の右上の表示）し、キー操作により、受付リスト（図２１）を表示し（ステップＳ３２２）、該当するもの（図２１の「３」）が選択されると返却処理を開始する（ステップＳ３２３のＹＥＳ）。
【００７８】
返却処理では、ロビー機で収納していた貨幣枚数が表示されるので、出納係員は伝票の内容と比較してＯＫであれば「完了」ボタンを押す。すると出納機１００は現金を繰り出し、計数し（ステップＳ３２４）、メニュー画面に出金額を表示する。この出金額と前記回金伝票の額とが一致した場合は、係員は伝票に認証印字を行わせ（ステップＳ３２５）、通帳と現金を顧客に返却する。出納機１００は、ロビー機２００に貸し出した（装填した）旨の記憶をする（ステップＳ３２６）。その後、ジャーナル印字をして（ステップＳ３２７）、取引を終了する。
【００７９】
次に、実施例３に於ける在高・勘定の移り変わりは、ロビー係員がロビー機での入金を中断した時点では（ステップＳ３０５の時点）、一時保留部にある端数は収納庫に収納されていないのでロビー係員によりそのまま返却されるが、収納されてしまったものについては以下に説明する。
【００８０】
前提として、該当取引開始時に出納機１０００枚在高があるものとする。
【００８１】

▲１▼ロビー機で１０００枚の入金を開始したが、８００枚収納後に処理キャンセルし、出納機にて顧客に全額返却した。
【００８２】

▲２▼ロビー機を締上げる。そして出納機にて営業店内を締上げる。つまり、ロビー機の収納庫にある８００枚は出納機から貸し出したものとして処理されているので、これを取り出して、出納機に戻せば、出納機の在高は最初の状態に戻る。
【００８３】

図１５、図１６、図１７は本発明の第４実施例である両替における処理の流れを示すフローチャートである。
【００８４】
すなわち、両替機３００では待機中若しくは取引終了時に金種別在高をチェックし、補充もしくは回収が必要であるかを判断し、必要であれば出納機に対して装填要求や回収要求のデータを送信すると同時に、ブザー等で出納係員へイベント通知すれば、わざわざ両替機まで見に行かなくても、適正な現金補充や回収ができる。両替機の場合、通常は釣銭の両替が多いので万券が一杯になり、包装硬貨や千券等が不足するので、千券と包装硬貨の補充と万券の回収を同時に行えばさらに効率的である。
【００８５】
両替機３００には、収納貨幣の在高を検出する在高検出手段（図示せず）が設けられており、特定金種の在高が設定金額Ａ（エンプティ検出在高）を下回った場合は補充が必要と判定し、設定金額Ｂ（ニアフル検出在高）を超えた場合は回収が必要と判定し、（図示しない）通信ＩＦにより、通信回線２８０を介して出納機１００に、補充や回収が必要な金種と数量を含む要求データを出納機に送信する。
【００８６】
以下、フローチャートに基づいて説明する。
【００８７】
通常の両替取引を行った後（ステップＳ４０１）、待機中若しくは取引終了時に
前記在高検出手段により金種別の在高をチェックする。特定金種の在高が前記設定金額Ａを下回っている場合は（ステップＳ４０２のＹＥＳ）、出納機に対して当該金種の装填要求データを送信し（ステップＳ４０４）、当該金種については装填要求済みである旨のフラグを立てる（ステップＳ４０５）。なお、ステップＳ４０３は装填要求フラグが立っているものについては重複して要求しないようにするために設けられているものである。
【００８８】
一方、特定金種の在高が前記設定金額Ｂを超えている場合は（ステップＳ４０６のＹＥＳ）、出納機に対して当該金種の回収要求データを送信し（ステップＳ４０８）、当該金種については回収要求済みである旨のフラグを立てる（ステップＳ４０９）。なお、ステップＳ４０７は回収要求フラグが立っているものについては重複して要求しないようにするために設けられているものである。
【００８９】
出納機１００は、両替機３００からの要求データを受信すると（ステップＳ４１１）、回入出金リストに登録を行う（ステップＳ４１２）。
【００９０】
次に、装填又は回収要求を受けた出納機側における処理の流れを説明する。
【００９１】
出納係員の担当者カードが出納機１００に通されると（ステップＳ４２１）、出納機は要求受付リストを表示する（ステップＳ４２２）。リストの中に回収要求が含まれていれば（ステップＳ４２３のＹＥＳ）、これが選択されると、表示部に「両替機から回収して下さい」という表示をする（ステップＳ４２４）ので、ＯＫボタン（確認キー）が押下されると（ステップＳ４２５のＹＥＳ）通常の処理に戻る。
【００９２】
また、要求リストの中に装填要求が含まれている場合は（ステップＳ４２６のＹＥＳ）、装填するための貨幣を回出金するための回出金処理が選択（ステップＳ４２７のＹＥＳ）されると、両替機に補充する回金を計数して払い出す（ステップＳ４２８）とともに、回出金伝票に認証印字をする（ステップＳ４２９）。
【００９３】
回出金された金額は両替機に貸し出したものとして出納機に記憶され（ステップＳ４３０）、ジャーナル印字して（ステップＳ４３１）、処理が終了する。
【００９４】
払い出された回金は、係員によって両替機に装填（補充）される。
【００９５】
【発明の効果】
払い出中の現金不足や、トラブル発生時のリカバリ処理用のデータがＬＡＮを経由して後方処理機（出納機）に転送され、そのデータに基づいた現金の払い出しをすることができるので、一線機（顧客と接触を持つ、テラー機や、ロビー機）で完結できない処理の残りを二線機（店内で行員のみが使用する機械）でリカバリー（継続入金、入金に対する返却、継続出金等）することができる。
【００９６】
また、両替機に不足金種を補充装填する場合においても、出納係員は金種と枚数を考えることなく、出納機にリスト表示される回出金メニューを選択するだけで、必要な金種が必要な枚数分だけ投出されるので、業務の効率化が図れる。
【図面の簡単な説明】
【図１】本発明に係る金融営業店における貨幣処理システムの全体構成を示す図である。
【図２】出納機の一例を示す外観図である。
【図３】出納機の内部構成例を示す図である。
【図４】ロビー入出金機の一例を示す外観図である。
【図５】ロビー入出金機の内部構成例を示す図である。
【図６】本発明の第１実施例である立替出金の場合の処理の流れを示すフローチャート（ロビー機側）である。
【図７】本発明の第１実施例である立替出金の場合の処理の流れを示すフローチャート（出納機側その１）である。
【図８】本発明の第１実施例である立替出金の場合の処理の流れを示すフローチャート（出納機側その２）である。
【図９】本発明の第２実施例である継続入金処理の場合の流れを示すフローチャート（ロビー機側）である。
【図１０】本発明の第２実施例である継続入金処理の場合の流れを示すフローチャート（出納機側その１）である。
【図１１】本発明の第２実施例である継続入金処理の場合の流れを示すフローチャート（出納機側その２）である。
【図１２】本発明の第３実施例である返却引継処理の場合の流れを示すフローチャート（ロビー機側）である。
【図１３】本発明の第３実施例である返却引継処理の場合の流れを示すフローチャート（出納機側その１）である。
【図１４】本発明の第３実施例である返却引継処理の場合の流れを示すフローチャート（出納機側その２）である。
【図１５】本発明の第４実施例である両替における処理の流れを示すフローチャート（両替機側）である。
【図１６】本発明の第４実施例である両替における処理の流れを示すフローチャート（出納機側その１）である。
【図１７】本発明の第４実施例である両替における処理の流れを示すフローチャート（出納機側その２）である。
【図１８】ロビー入出金機の係員メニュー画面の一例である。
【図１９】ロビー入出金機の引継処理選択確認画面の一例である。
【図２０】出納機におけるメニュー画面のポップアップ通知の一例である。
【図２１】出納機における引継受付リスト画面の一例である。
【符号の説明】
１００ 出納機
２００ ロビー入出金機
２８０ 通信回線
３００ 両替機[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a money handling system in a financial business store, and in particular, when cash shortage or trouble occurs during payout at a lobby machine or the like, data for recovery processing is transferred to the teller machine via the in-store LAN, and the data The present invention relates to a money handling system in a financial sales office that enables recovery processing based on the above.
[0002]
[Prior art]
Conventionally, recovery processing in the event of a cash shortage or trouble occurring during payment has been made to wait for the customer and is generally performed manually.
[0003]
Examples include the following cases.
[0004]
(1) When cash shortage occurs during withdrawal
Corporate customers etc. divide a large amount of withdrawals with a withdrawal machine for corporations (which is an ATM or CD for corporations that can process even if the amount handled at one time is extremely large). This is the case when the amount of money that can be withdrawn is running out and the equipment is down.
[0005]
(Alternatively, the same thing may occur when Teller makes a withdrawal with an auto cashier.)
In such a case, because a large amount of money cannot be withdrawn at a time due to the outlet of the dispensing machine, etc., it will be divided and withdrawn. However, in this case, if a cash shortage occurs, the withdrawal process is temporarily suspended. , Interrupt loading processing becomes possible. This interrupt loading process is a function that allows the payment process to be resumed and paid once the clerk has replenished the money that has been taken (withdrawn). There is a problem of making the customer wait for a while and a problem that the processing is complicated because an interruption process occurs and a handling error is likely to occur. In addition, this function is a recovery function only when cash shortage occurs, it cannot be recovered in the event of a trouble during withdrawal, the withdrawal money is returned from the customer, and the customer uses another method such as a window from the beginning. I had a withdrawal operation. The act of getting back cash once paid to the customer was annoying for the customer.
[0006]
(2) When a trouble occurs in the deposit machine during the deposit process and the equipment goes down
Deposit machine full storage etc. (If there is a large amount of deposit money, the deposit machine cannot store at once, so it will be stored in several times, but this intermediate storage will fill the storage full) If this happens, the deposit process cannot be performed.
[0007]
In this case, the deposit process is not completed unless all the divided deposits (money) are stored. That is, since it is not completed, the account is not calculated.
[0008]
For example, assuming that 1000 banknotes are to be deposited and divided into 200 sheets, it is mechanically impossible to temporarily hold all 1000 sheets. It is put in the storage from the holding part.
[0009]
For example, after the first payment in the division is completed normally, if the storage is full at the next and subsequent payments, interruption collection is possible. This interrupt collection process is a function that can be counted and stored after the deposit process is resumed once the clerk operates to collect money from the deposit machine storage (withdrawal and deposit into the deposit machine). There is a problem that the customer is kept waiting for a while in the state where the payment is interrupted, and a problem that the processing becomes complicated because an interruption process occurs, and a handling error is likely to occur. In addition, this function is a recovery function only when the storage is full, and cannot be recovered in the event of a trouble during depositing.In that case, the clerk pulls out the entire amount from the deposit machine and returns it to the customer. There is a high possibility of handling mistakes when taking out the cash. Furthermore, it is a very annoying story because the customer has to make a deposit operation from the beginning by another method such as a window.
[0010]
In addition, in the case of a large amount of deposit processing, even if the customer normally cancels the transaction by pressing the return button on the selection screen (regardless of the occurrence of trouble), the money remaining in the temporary holding section Will be returned, but the mechanism unique to the deposit machine, which does not return the money in the storage, requires the same measures as in the case of troubles, making it difficult for customers and staff to understand. Some customers think that the stored deposit has already been completed, and they return while processing.
[0011]
In order to prevent mishandling due to this characteristic, the depositing machine has a function of printing a receipt and a journal with the number of stored coins when storing in the middle, and a function of printing a receipt and a journal with the number of returned money when returning.
[0012]
Furthermore, even when the closing date is reached (when the day's transactions are completed and the cash in the plane is collected), the processing of the depositing machine is incomplete. There will be a difference in the amount of cash in the device. The clerk searches for a customer who has not completed the transaction based on the transaction customer ID, which is left in the transaction log, performs processing to add to the customer's account for the amount already stored, and notifies the customer to that effect. I am doing work.
[0013]
(3) When money is reduced on the money changer
The attendant looks at the remaining amount monitor connected to the money changer, and if the in-flight balance decreases, he writes a withdrawal slip as needed, and withdraws and pays money at the cashier. Was loaded.
[0014]
[Problems to be solved by the invention]
The present invention has been made in view of such problems of the prior art, and the object of the present invention is to provide data for recovery processing at the time of trouble occurrence in a financial sales store to a teller machine via an in-store LAN. Machines that are used only by bankers, such as teller machines, with the rest of the processing that cannot be completed by teller machines or lobby machines (single-line machines) that have direct contact with customers by transferring and processing cash based on the data An object of the present invention is to provide a money handling system in a financial sales office that can be recovered by a (two-wire machine).
[0015]
[Means for Solving the Problems]
The present invention relates to a money handling system in a financial sales office, and the above-described object of the present invention is in a financial sales office in which a teller machine and a money depositing machine operated by a customer to deposit cash are connected by a communication line. In the money handling system, the money depositing machine includes a customer specifying means for specifying a customer by a card or a passbook, a cash storage means for counting the cash thrown by the customer and holding it in a temporary holding section, and storing it in a storage. An abnormality detection means for monitoring the state of the money depositing machine during depositing, generating an event when an abnormality occurs, a display operation means for displaying information necessary for operation of the money depositing machine and deposit processing, A communication means for exchanging data with a cashier, and when all cash storage is completed, the transaction is completed, while the abnormality detection means detects an abnormality in the middle of storage and the deposit processing is interrupted. The clerk operation screen is displayed on the operation display means, and when the continuation of the deposit process is selected by the customer, the cash of the temporary holding unit is returned and the current transaction data is transmitted to the teller machine; And the cash machine is a cash storage means, the money depositing machine and the communication means for exchanging data via the communication line and receiving the event, and the money depositing machine of the sent money depositing machine. Based on the transaction data, registration means for registering in the work list, clerk identification means for identifying the clerk performing the process, and the response on the teller machine according to the type of the event while displaying the received event A cashier display operation means for guiding processing to an attendant and receiving input, and accepting a deposit of the transaction of the money depositing machine according to the selected work name, and when the deposit is completed, The is accomplished by financial branches of the money handling system characterized by comprising a control means for storing as those lending to the money deposit machine.
[0016]
Further, the object of the present invention is to provide a money handling system in a financial office where a cashier and a money depositing machine operated by a customer to deposit cash are connected via a communication line. Customer identification means for identifying customers by card or passbook, cash storage means for counting the cash entered by the customer and holding it in the temporary holding section, and storing it in the storage, and monitoring the state of the money depositing machine during deposit An abnormality detecting means for generating an event when an abnormality occurs, a display operating means for displaying information necessary for operation of the money depositing machine and a depositing process, and a communication means for exchanging data with the cashier When all cash storage is completed, the transaction is completed, while when the abnormality detection means detects an abnormality during the storage and the deposit process is interrupted, the clerk operation screen is displayed on the operation display means, And a control means for returning the temporary holding portion cash when the customer selects cancellation of the deposit processing and transmitting transaction data including the stored amount to the cashier. Based on the transaction means of the money depositing machine, the money depositing machine and the communication means for sending and receiving data via the communication line and receiving the event, and the money depositing machine sent to the work list. Registration means for registering, clerk identification means for identifying the clerk performing the process, and displaying the received event, and telling the clerk the corresponding process on the cashier side according to the type of event and accepting input When the machine display operation means and the selected work name are return handover processing, the cash withdrawal means pays out the cash to be returned to the customer based on the transaction data, and the payment Is achieved by a financial business shop money handling system according to claim amounts that issued that and a control means for storing as those lending to the money deposit machine.
[0017]
Furthermore, the object of the present invention is to provide a money handling system in a financial business office in which a teller machine and a money dispenser that is operated by a customer and withdraws cash are connected by a communication line. The machine includes a customer identification means for identifying a customer by a card or a passbook, an abnormality detection means for monitoring the state of the money dispensing machine during withdrawal and generating an event when an abnormality occurs, and an operation of the money dispensing machine And a display operation means for displaying information necessary for the withdrawal process, a communication means for exchanging data with the cashier, and the transaction is completed when all withdrawals are completed, while the withdrawal is in progress. The transaction amount entered by the customer when the anomaly detection means detects an anomaly and withdrawal is interrupted, and the clerk operation screen is displayed on the operation display means and the continuation of the withdrawal process is selected by the customer. Already invested in Control means for transmitting the balance data after subtracting the quantity to the cashier, wherein the cashier performs data exchange via the cash dispenser, the money dispenser and the communication line, and A communication means for receiving an event; a registration means for registering in a work list based on the received data of the money dispenser; a staff specifying means for specifying a staff to perform processing; and the receiving And a cashier display operation means for receiving the input by guiding the handling process on the cashier side according to the type of the event and receiving an input, and the transaction of the money dispenser according to the selected work name. The present invention is achieved by a money handling system of a financial branch characterized by comprising a control means for accepting a withdrawal and storing the withdrawal amount as being loaded in the money dispensing machine when the withdrawal is completed. .
[0018]
Still further, the object of the present invention is to provide a money amount detection means for detecting the amount of money stored in a money handling system in a financial office where a money change machine and a cash machine are connected by a communication line. Communication means for transmitting request data including a denomination and quantity that need to be replenished to a teller machine via a communication line when the stock amount detected by the stock amount detection means falls below a preset amount. The teller machine has a registration means for registering the received request data in the work list, a staff identification means for identifying the staff, a display input means for displaying the work list and receiving a selection input, and a selection This is achieved by a money processing system in a financial branch characterized in that, according to the name of the work, the replenishment money of the money changer is withdrawn and the withdrawal to the money changer is registered in the storage means. .
[0019]
DETAILED DESCRIPTION OF THE INVENTION
First, an outline of processing by the money processing system in the financial sales office according to the present invention will be briefly described for each processing.
1. Withdrawal processing
Large withdrawal processing that cannot be processed by the auto cashier (money depositing and dispensing machine) connected to each teller terminal is a lobby depositing and dispensing machine (ATM for corporations with deposit and withdrawal processing functions, etc. installed in the lobby) (Hereinafter referred to simply as “lobby machine”) or other shortage of cash to be paid out (for example, out of a 3 million yen withdrawal request, banknotes that can be paid in-flight when 2 million yen has been withdrawn) If the cash machine or lobby machine, etc. cannot be paid out due to troubles, etc. during payout, the cash machine will send unpaid cash data to the teller machine. Coordination between cash processing machines, such as an clerk paying unpaid cash to the customer from the cash machine and updating the account as completion of the withdrawal at the lobby machine together with the cash previously paid from the lobby machine It is to do, to simplify the follow-up processing of cash handling and data input or the like at the time of troubles.
[0020]
2. Deposit processing
When a customer makes a large deposit at the lobby machine, when the bill is stored several times, the banknote deposited at the beginning is in a state where it cannot be returned into the storage, but is stored when stored in the middle. If the lobby machine is unable to continue depositing, such as when the storage is full or a failure occurs, the stored cash data will be sent from the lobby machine to the cashier, and the cashier will be at the cashier. The cash handling at the time of trouble occurs by coordinating between cash processing machines, such as depositing the stored cash data received at the same time with the unpaid cash received from the customer and handling the payment with the cashier. Simplify follow-up processes such as data entry.
[0021]
3. Return processing
When a customer makes a large deposit at the lobby machine, when the bill is stored several times, the banknote deposited at the beginning is in a state where it can not be returned to the storage, but the convenience of the customer, When processing is canceled due to equipment failure, etc., the cash amount cannot be returned automatically from the lobby machine. Therefore, the stored cash data is sent from the lobby machine to the teller machine, and the cashier goes to the teller machine first. By calling the stored cash data received and specifying the return, the same amount of cash stored in the machine by the lobby machine will be paid out from the cash machine and returned to the customer. Simplify follow-up processes such as cash handling and data entry at the time of occurrence.
[0022]
4). Replenishment / collection
Replenishment information from the money changer to the teller with the function to automatically notify when the shortage or excess number is reached, and the number of shortage detection and excess detection number can be set in advance. And the collection information are sent so that the money for loading into the money changer can be taken out from the teller machine without inputting the denomination based on the information on the number of depletion money received from the money changer.
[0023]
As described above, the point of the present invention is that the cash machine that can not be processed (payment / withdrawal) by each money handling machine or the data that the cash machine wants to process (payment / withdrawal) is connected via LAN. The detailed data is transmitted to the bank, and the data is received and pooled by the cashier at any time, so that it is not necessary for the cashier to input the details again when operating.
[0024]
Since the detailed data received via the LAN is set at the cashier, the cashier will display the acceptance list on the cashier display as an operation, and select the processing to make the necessary deposit or withdrawal. Gold processing is possible. In addition, in this system, in order to complete one transaction, it becomes possible for each money handling machine and the cash machine to work together, and the result of the cooperative processing with the cash machine as the parent machine and each money handling machine as the child machine. By managing cash lending / borrowing data (loading data corresponding to money handling machines, mainly cashiers, and transfer data of funds corresponding to collection), it is especially important to ensure that there is no need to exchange data between devices immediately after performing steps 1 to 4 above. There is no need for high offset, and offset at the time of tightening.
[0025]
Below, the money processing system in the financial sales shop which concerns on this invention is demonstrated with reference to drawings.
[0026]
FIG. 1 is a diagram showing an overall configuration of a money handling system in a financial sales office according to the present invention, in which a cashier 100, a lobby depositing / dispensing machine 200, and a money changer 300 are connected via a financial in-store LAN. The LAN is connected to a center host computer via the Internet.
[0027]
FIG. 2 is an external view showing an example of the teller machine 100. As shown in FIG. 2, the depositing / dispensing machine 100 includes a bundled bill dispensing device 114, a loose bill depositing / dispensing device 115, a wrapping coin dispensing device 116, a loose coin depositing / dispensing device 117, and a new ticket dispensing device. 107, an authentication printing printer 105 for performing authentication printing on a withdrawal slip, an operation unit 104 having keys for various operations of the cash dispenser, and a terminal unit 103. Further, the terminal unit 103 includes a display unit 102 for displaying various screens such as a cashier menu and a withdrawal process, an ID card reader 101 for an ID card used for checking an operator's identity, a check, And a non-cash box 118 for storing bills and the like.
[0028]
FIG. 3 shows an example of the internal configuration of the teller machine 100. A control unit 120 such as a CPU controls the whole according to a program stored in the ROM 130, and the control unit 120 stores data in a hard disk. A drive 160 is connected to a flexible disk drive 150 for inputting / removing data to / from the flexible disk, and a display unit 102, an operation unit 104, an ID card reader 101, and an authentication printer 105 are further connected. Further, the control unit 120 includes a new ticket dispensing device 107, a bundled bill dispensing device 114, a loose banknote depositing / dispensing device 115, a wrapping coin dispensing device 116, a loose coin depositing / dispensing device 117, and a non-cash box 118. Is connected.
[0029]
Further, a communication IF 170 is connected to the control unit 120 and is connected to the lobby machine 200 and the like via the communication line 280. The RAM 140 is a working memory for the control unit 120.
[0030]
FIG. 4 is an external view showing an example of a lobby depositing and dispensing machine 200 which is a kind of money handling machine.
[0031]
The configuration of the lobby machine 200 is as shown in FIG. 4, and shutters 251, 252, and 253 that open and close to take out coins and banknotes are provided at the upper part on the front side of the apparatus. A wrapping coin dispensing unit 216, a loose bill depositing / dispensing unit 215, and a bundled bill dispensing unit 214 are provided inside the apparatus. In addition, a touch panel type operation display unit 202 is provided on the inclined front panel at the top of the apparatus. In FIG. 4, a card reader 201 and a receipt processing unit 205 are provided on the right side, and a loose coin deposit / withdrawal is provided on the left side. A shutter 254 is provided corresponding to the portion 217.
[0032]
The shutters 251 and 253 are L-shaped with two shutter plates, and open and close up and down, respectively. The shutters 252 and 254 are formed of a single shutter plate, and the shutter 252 opens and closes forward and backward, and the shutter 254 opens and closes up and down.
[0033]
FIG. 5 shows an example of the internal configuration of the lobby machine 200. The control unit 220 including a CPU or the like controls the whole according to a program stored in the ROM 230, and the control unit 220 stores data. An operation display unit 202, a card reader 201, and a receipt / journal processing unit 205 are further connected. The control unit 220 includes a shutter drive unit 250 that controls the opening and closing of the shutters 251 to 254, a bundled bill dispensing device 214, a loose banknote depositing and dispensing device 215, a wrapping coin dispensing device 216, and a loose coin depositing and dispensing device 217. It is connected. Further, a communication IF 270 is connected to the control unit 220 and is connected to the teller machine 100 and the like via the communication line 280.
[0034]
Embodiments of the present invention will be described below with reference to flowcharts.
[0035]
FIGS. 6, 7 and 8 are flowcharts showing the flow of processing in the case of advance payment according to the first embodiment of the present invention.
[0036]
This is a process in the case where the customer tries to withdraw money at the lobby machine 200 but takes over to the cashier machine due to lack of money.
[0037]
The customer performs the same operation as withdrawing money from a normal CD (cash dispenser) machine at the lobby machine 200.
[0038]
First, select the withdrawal by operating the menu screen in the standby state, insert the card, passbook, enter the PIN, enter the desired denomination and number, check the total amount and press the "Confirm" button (Step S101). Money is counted by the machine and dispensing is started (step S102). However, since the amount is large, the amount to be dispensed is printed on the receipt every time it is released.
[0039]
Here, for example, during the withdrawal of 10 million yen, if there is a cash shortage in the middle of the withdrawal of 900 million tickets and the withdrawal becomes impossible (the same is true for banknote jams), an error occurs (in step S103). YES), a message “Please call a clerk” is displayed, and the customer calls a lobby clerk (step S104).
[0040]
When the lobby clerk displays the guidance screen by the clerk operation and selects “advanced withdrawal” (YES in step S105), the lobby machine 200 transmits the requested data for the advanced withdrawal to the cashier 100 (step S106).
[0041]
The request data at this time includes machine No, machine name (lobby machine), customer ID, customer name, lobby clerk ID, clerk name, process ID, process name (repayment withdrawal), transaction reception time, priority, and withdrawal. It is data such as cash details such as required denomination and quantity.
[0042]
Thereafter, the lobby machine 200 notifies the lobby staff and the customer that the remaining cash is to be paid from the window (step S107), and at the same time as issuing the advance withdrawal receipt, the bankbook / card is released (step S108). , S109), guides the customer to receive the shortage by giving the receipt at the window designated by the screen or voice. The lobby clerk will be present at the cashier at the counter.
[0043]
In addition, the lobby machine 200 assumes that the bankbook has been withdrawn when issuing a replacement withdrawal receipt, and the withdrawal amount is withdrawn from the account.
[0044]
On the other hand, when the teller machine 100 receives data from the lobby machine 200 (step S111), it performs registration according to the contents, but in this case, it is registered in the advance withdrawal list (step S112).
[0045]
After the cashier creates a slip (payment slip) describing the balance, the cashier 100 passes the person-in-charge card (step S121), and pops up a menu screen (displayed in the upper right of FIG. 20). Then, the acceptance list (FIG. 21) is displayed by key operation (step S122), the selection of the advance payment accepted from the lobby machine 200 is accepted, and the advance withdrawal process of the lobby machine is performed (YES in step S123). ).
[0046]
The display unit 102 displays that the amount of unpaid money to the customer is 1,000,000 yen, and when the attendant confirms this and presses the “complete” key, cash is withdrawn (step S124). The slip is printed (step S125), the rental to the corresponding lobby machine is stored (step S126), and the journal is printed (step S127). The clerk gives the cash of 1 million yen withdrawn, the bankbook and the card to the customer, and the transaction ends.
[0047]
The lobby machine 200 sends data to the teller machine 100 in accordance with an instruction input from the lobby staff, thereby entrusting the payout of unpaid 1,000,000 yen to the teller machine 100 and once completes the withdrawal transaction of 10 million yen. At this time, processing is performed on the assumption that money necessary for the transaction (lack of 1 million yen) is additionally loaded in the lobby machine 200.
[0048]
In this case, the teller machine 100 makes a withdrawal of 1 million yen of cash entrusted from the lobby machine 200 and pays it to the customer, and at the same time, treats the cash 1 million yen as being loaded into the lobby machine 200.
[0049]
In this way, by sending data necessary for the processing of the advance payment (withdrawal of unpaid 1,000,000 yen) from the lobby machine 200 to the cashier machine 100, the cashier in charge at the cashier machine 100 will be renewed. The present invention is characterized in that the remaining accounting process can be performed without input.
[0050]
The amount of money in each stage in the lobby machine 200 and the cashier machine 100 when the above advanced withdrawal process is performed is shown below.
[0051]
(State before applicable transaction)
Hereinafter, money shall represent ten thousand tickets. It is assumed that the sales office is tightened with a cashier.
[0052]
It is assumed that there are 3000 sheets in the teller machine 100 at the start of the transaction and 1000 sheets are loaded in the lobby machine 200.
[0053]

(1) A large amount of 1,000 withdrawals were made on the lobby machine 200, but an error occurred after 900 pieces were paid out, and the lobby staff selected a replacement withdrawal. The lobby machine 200 completes once with the withdrawal of 1000 sheets. On the other hand, the teller machine 100 processes the payment as having been made to the lobby machine 200 in advance.
[0054]

(2) Close up the lobby machine 200. Then, the inside of the sales office is closed with the teller machine 100.
[0055]
That is, since 100 sheets in the storage of the lobby machine 200 are already processed as paid, if this is taken out and returned to the teller machine 100, the balance of the teller machine will return to the original state. Become.
[0056]

9, 10 and 11 are flowcharts showing the flow in the case of the continuous deposit process according to the second embodiment of the present invention.
[0057]
This is a process in the case where the customer tries to deposit money at the lobby machine 200 but the depositing machine 100 takes over the deposit because of an error (storage full or banknote jam, etc.).
[0058]
The customer selects deposit on the menu screen of the lobby machine 100, inserts a bankbook and a card, and inputs the amount if the deposit amount is known (step S201).
[0059]
Next, money corresponding to the input amount is inserted (step S202). When the amount of deposit is large, the temporary storage unit of the lobby machine 200 is stored in the storage whenever the temporary storage unit of the lobby machine 200 is full. It is like that. At this time, the amount stored in the storage is printed on the receipt. (This amount will be returned from the teller machine when return is necessary.)
At this time, if an error occurs (YES in step S203), a message “Please call a clerk” is displayed, so the lobby clerk comes in, enters the password, and displays the clerk's customer service menu. (FIG. 18) (Step S204).
[0060]
Here, when the customer does not wish to take over the deposit on the cashier side (NO in step S205), that is, when the customer wishes to complete the deposit with only the stored data (in the case of “1” in FIG. 18). If the process is completed as it is and the customer wishes to cancel the process and return the stored cash (in the case of “3” in FIG. 18), the return takeover process of Example 3 described later is selected.
[0061]
If the customer wishes to continue payment (in the case of “2” in FIG. 18), “Take-in / take-in machine deposit / transfer” is selected (YES in step S205), and the transaction amount and the amount of deposits are paid to the cash-out machine 100. Is transmitted (step S206). Specifically, if “1. Yes” is selected and executed in FIG. 19, data is transmitted.
[0062]
Thereafter, the lobby machine 200 prints the deposit amount on the bankbook, and discharges the card and bankbook (step S207). The lobby clerk takes out cash if there is cash in the temporary holding section of the lobby machine 200. Here, the lobby clerk gives the receipt, passbook, and cash to the cashier.
[0063]
On the other hand, when the teller machine 100 receives data from the lobby machine 200 (step S211), it is registered in the deposit transfer list (step S212).
[0064]
Thereafter, the cashier creates a slip for depositing, goes to the cashier 100 and passes the person in charge card (step S221). The deposit machine takes in the transfer data from the lobby machine. When the person in charge card is passed, a pop-up notification is displayed on the menu screen (displayed in the upper right of FIG. 20) (step S222), and the acceptance list (FIG. 21) is displayed and the corresponding item ("1" in FIG. 21) is selected, the deposit transfer process is started. Since the current deposit completion amount and the declared deposit amount are displayed in the deposit handover process, the cashier will press the “complete” button if it is OK compared to the contents of the slip (YES in step S223).
[0065]
Then, when deposit money is set and the start button is pressed, cash is transferred and counted (step S224), and the deposit amount is displayed on the menu screen. If this deposit amount and the amount of the slip match (YES in step S225), authentication printing is performed on the slip (step S226), and the attendant returns the passbook and cash to the customer and borrows from the lobby machine 200. A message to this effect is stored (step S227). Thereafter, journal printing is performed (step S228), and the transaction is terminated.
[0066]
Next, the change in the amount of accounts and the account in the second embodiment is that when the lobby clerk interrupts the payment at the lobby machine (at the time of step S204), the fraction in the temporary holding section is stored in the storage. It is returned as it is by the lobby staff, but what has been stored will be described below.
[0067]
When you choose transfer deposit
At the beginning of the transaction, the cashier and lobby machines will have a balance of zero.
[0068]

(1) Trouble occurred after storing 900 out of 1000 large deposits at the lobby machine. Request for takeover payment to the cashier and the transfer has been completed.
[0069]

(2) Close up the lobby machine. And the inside of the sales office is closed with the teller machine.
[0070]
In other words, since 900 sheets in the storage of the lobby machine 200 are processed as having been deposited in the depositing machine, if this is taken out and returned to the accounting machine 100, the balance of the depositing machine and the deposit total will match. become.
[0071]

FIGS. 12, 13 and 14 are flowcharts showing the flow in the case of the return takeover process according to the third embodiment of the present invention.
[0072]
The amount of money that the customer tried to deposit at the lobby machine, but the payment was canceled because the error occurred on the way (storage full or banknote jam, etc.) and it was already stored in the lobby machine storage This is a process when handing over the return process of minutes to the teller machine.
[0073]
The customer selects deposit on the menu screen of the lobby machine, inserts a card / passbook, and inputs the amount if the deposit amount is known (step S301). Next, the money to be deposited is inserted (step S302). When the deposited amount is large, the temporary storage unit is stored in the storage whenever the temporary storage unit is full. At this time, the stored amount is printed on the receipt. (This amount will be returned from the teller machine when return is necessary.)
Here, if an error occurs (YES in step S303), or if the result is NG after confirming the payment (NO in step S304), the customer presses the “cancel key”. Then, a message “Please call a clerk” is displayed, so the lobby clerk comes and inputs the password to display the clerk menu (FIG. 18) (step S305).
[0074]
If the customer wishes to return the stored amount (in the case of “3” in FIG. 18), select “Takeover of return machine” (YES in Step S306), and the lobby machine Data including the transaction amount and the return amount is transmitted (step S307). Thereafter, the lobby machine discharges the card and passbook (step S308). If there is cash in the temporary storage section of the lobby machine, the lobby staff will take it out. Here, the lobby clerk gives the receipt, passbook, and cash to the cashier once (not to the customer at this stage).
[0075]
On the other hand, when the teller machine 100 receives data from the lobby machine 200 (step S311), it is registered in the return takeover list (step S312).
[0076]
The cashier creates a remittance slip for refund, goes to the cashier, and passes the person in charge card through the cashier.
[0077]
As described above, return request data is sent from the lobby machine to the teller machine. When the person in charge card is passed (step S321), a pop-up notification is displayed on the menu screen (displayed in the upper right of FIG. 20). When the key operation is performed, the acceptance list (FIG. 21) is displayed (step S322). When the corresponding item (“3” in FIG. 21) is selected, the return process is started (YES in step S323).
[0078]
In the return process, since the number of coins stored in the lobby machine is displayed, the cashier will compare the contents of the slip and press the “Done” button if it is OK. Then, the teller machine 100 pays out the cash, counts it (step S324), and displays the withdrawal amount on the menu screen. If this amount matches the amount of the remittance slip, the clerk performs authentication printing on the slip (step S325), and returns the bankbook and cash to the customer. The teller machine 100 stores that it has been lent (loaded) to the lobby machine 200 (step S326). Thereafter, journal printing is performed (step S327), and the transaction is terminated.
[0079]
Next, the change in the amount of accounts and accounts in the third embodiment is that when the lobby clerk interrupts the payment at the lobby machine (at the time of step S305), the fraction in the temporary holding unit is stored in the storage. It is returned as it is by the lobby staff, but what has been stored will be described below.
[0080]
As a premise, it is assumed that there is a balance of 1000 cashiers at the start of the transaction.
[0081]

(1) We started depositing 1000 sheets at the lobby machine, but canceled the process after storing 800 sheets and returned the entire amount to the customer at the cash machine.
[0082]

(2) Close up the lobby machine. And the inside of the sales office is closed with the teller machine. In other words, since 800 sheets in the storage of the lobby machine are processed as rented from the teller machine, if this is taken out and returned to the teller machine, the balance of the teller machine returns to the initial state.
[0083]

15, FIG. 16, and FIG. 17 are flowcharts showing the flow of processing in currency exchange according to the fourth embodiment of the present invention.
[0084]
In other words, the money changer 300 checks the amount of money in the waiting state or at the end of the transaction, determines whether replenishment or collection is necessary, and if necessary, transmits data of a loading request or a collection request to the teller machine. At the same time, if you notify the cashier with a buzzer, you can replenish and collect cash without having to go to the money changer. In the case of a change machine, since there are usually many changes of money, it is more efficient to replenish thousand and wrapping coins and collect 10,000 tickets at the same time. It is.
[0085]
The money changer 300 is provided with stock amount detecting means (not shown) for detecting the stock amount of stored money, and when the stock amount of a specific denomination falls below a set amount A (empty detection stock amount). It is determined that replenishment is necessary, and if the set amount B (near full detected stock) is exceeded, it is determined that collection is necessary, and replenishment or collection is performed via the communication line 280 via the communication line 280 (not shown). Request data including the necessary denomination and quantity is sent to the teller machine.
[0086]
Hereinafter, a description will be given based on a flowchart.
[0087]
After conducting a normal exchange transaction (step S401), waiting or at the end of the transaction
The amount of money is checked by the amount detection means. When the stock amount of the specific denomination is less than the set amount A (YES in step S402), the request for loading the denomination is transmitted to the teller machine (step S404), and the denomination is loaded. A flag indicating that the request has been made is set (step S405). Note that step S403 is provided in order not to make a duplicate request for those with the loading request flag set.
[0088]
On the other hand, when the stock amount of the specific denomination exceeds the set amount B (YES in step S406), the collection request data for the denomination is transmitted to the teller machine (step S408). Sets a flag indicating that the collection has been requested (step S409). Note that step S407 is provided so as not to make a duplicate request for those with the collection request flag set.
[0089]
When the teller machine 100 receives the request data from the money changer 300 (step S411), it registers in the deposit / withdrawal list (step S412).
[0090]
Next, the flow of processing on the teller side that has received a loading or recovery request will be described.
[0091]
When the person in charge card of the cashier is passed through the cashier 100 (step S421), the cashier displays a request acceptance list (step S422). If a collection request is included in the list (YES in step S423), when this is selected, the display unit displays "Please collect from the money changer" (step S424), so an OK button ( When the (confirmation key) is pressed (YES in step S425), the process returns to normal processing.
[0092]
If the request list includes a loading request (YES in step S426), a withdrawal process for dispensing money for loading is selected (YES in step S427). Then, the money to be replenished in the money changer is counted and paid out (step S428), and at the same time, authentication printing is printed on the money withdrawal slip (step S429).
[0093]
The amount withdrawn is stored in the teller machine as lent to the money changer (step S430), journal printing is performed (step S431), and the process is terminated.
[0094]
The paid-out money is loaded (supplemented) into the money changer by a staff member.
[0095]
【The invention's effect】
Data for recovery processing in the event of cash shortage or trouble occurring during transfer is transferred to the back-end machine (Teller) via the LAN, and cash can be paid out based on that data. Remaining processing that cannot be completed by a machine (teller machine or lobby machine that has contact with the customer) is recovered with a two-wire machine (a machine used only by a clerk in the store) (continuous deposit, return for deposit, continuous withdrawal, etc.) can do.
[0096]
In addition, when a money deficit is replenished and loaded into the money changer, the cashier can select the withdrawal menu displayed in the cashier without having to consider the denomination and number of coins. Since only the required number of cards are thrown out, the efficiency of operations can be improved.
[Brief description of the drawings]
FIG. 1 is a diagram showing an overall configuration of a money handling system in a financial sales shop according to the present invention.
FIG. 2 is an external view showing an example of a teller machine.
FIG. 3 is a diagram illustrating an internal configuration example of a teller machine.
FIG. 4 is an external view showing an example of a lobby deposit / withdrawal machine.
FIG. 5 is a diagram showing an example of the internal configuration of a lobby deposit / withdrawal machine.
FIG. 6 is a flowchart (lobby machine side) showing the flow of processing in the case of advance withdrawal according to the first embodiment of the present invention.
FIG. 7 is a flowchart showing the flow of processing in the case of advance payment according to the first embodiment of the present invention (Teller machine side 1).
FIG. 8 is a flowchart showing the flow of processing in the case of advance payment according to the first embodiment of the present invention (Teller machine side part 2).
FIG. 9 is a flowchart (lobby machine side) showing a flow in the case of continuous deposit processing according to the second embodiment of the present invention.
FIG. 10 is a flowchart showing the flow in the case of continuous deposit processing according to the second embodiment of the present invention (Teller machine side 1).
FIG. 11 is a flowchart showing the flow in the case of continuous deposit processing according to the second embodiment of the present invention (Teller machine side 2).
FIG. 12 is a flowchart (lobby machine side) showing a flow in the case of a return takeover process according to a third embodiment of the present invention.
FIG. 13 is a flowchart showing the flow in the case of return takeover processing according to the third embodiment of the present invention (Teller machine side 1).
FIG. 14 is a flowchart (Teller machine side 2) showing a flow in the case of a return takeover process according to a third embodiment of the present invention.
FIG. 15 is a flowchart (exchanger side) showing a flow of processing in currency exchange that is the fourth embodiment of the present invention.
FIG. 16 is a flowchart showing the flow of processing in exchange according to the fourth embodiment of the present invention (Teller machine side 1).
FIG. 17 is a flowchart (Teller machine side 2) showing the flow of processing in money exchange according to the fourth embodiment of the present invention;
FIG. 18 is an example of a staff menu screen of a lobby deposit / withdrawal machine.
FIG. 19 is an example of a takeover process selection confirmation screen of the lobby deposit / withdrawal machine.
FIG. 20 is an example of a menu screen pop-up notification in the teller machine.
FIG. 21 is an example of a takeover acceptance list screen in a teller machine.
[Explanation of symbols]
100 Teller machine
200 Lobby cash dispenser
280 communication line
300 currency exchange machine

Claims (4)

In a money handling system at a financial branch where a cashier and a money depositing machine operated by a customer to deposit cash are connected via a communication line,
The money deposit machine is
A customer identification means for identifying a customer by card or passbook;
Cash storage means for counting the cash entered by the customer and holding it in the temporary storage unit, and storing it in the storage,
An abnormality detecting means for monitoring the state of the money depositing machine during depositing and generating an event when an abnormality occurs;
Display operation means for displaying the information required for the operation of the money depositing machine and the depositing process;
A communication means for exchanging data with the cashier;
When all the cash storage is completed, the transaction is completed, but when the abnormality detection means detects an abnormality during the storage and the payment process is interrupted, the clerk operation screen is displayed on the operation display means, and the customer makes the payment. When the continuation of the process is selected, the cash of the temporary holding unit is returned and control means for transmitting current transaction data to the teller machine
The teller machine
Cash storage means,
Communication means for exchanging data via the communication line with the money depositing machine and receiving the event;
Registration means for registering in the work list based on the transaction data of the money deposit machine sent;
Clerk identification means for identifying the clerk performing the processing,
A teller machine display operation means for displaying the received event and receiving an input by guiding an attendant in response processing on the teller machine side according to the type of the event;
Accepting the deposit of the money deposit machine transaction according to the selected work name,
A monetary processing system for a financial branch, comprising: a control unit that stores a deposit details of the transaction as lent to the money deposit machine when the deposit is completed. In a money handling system at a financial branch where a cashier and a money depositing machine operated by a customer to deposit cash are connected via a communication line,
The money deposit machine is
A customer identification means for identifying a customer by card or passbook;
Cash storage means for counting the cash entered by the customer and holding it in the temporary storage unit, and storing it in the storage,
An abnormality detecting means for monitoring the state of the money depositing machine during depositing and generating an event when an abnormality occurs;
Display operation means for displaying the information required for the operation of the money depositing machine and the depositing process;
A communication means for exchanging data with the cashier;
When all the cash storage is completed, the transaction is completed, but when the abnormality detection means detects an abnormality during the storage and the payment process is interrupted, the clerk operation screen is displayed on the operation display means, and the customer makes the payment. When the cancellation of the process is selected, the cash of the temporary holding unit is returned, and the control means for transmitting transaction data including the stored amount to the teller machine,
The teller machine
Cash withdrawal means,
Communication means for exchanging data via the communication line with the money depositing machine and receiving the event;
Registration means for registering in the work list based on the transaction data of the money deposit machine sent;
Clerk identification means for identifying the clerk performing the processing,
A teller machine display operation means for displaying the received event and receiving an input by guiding an attendant in response processing on the teller machine side according to the type of the event;
When the selected work name is a return handover process, the cash withdrawal means pays out the cash to be returned to the customer based on the transaction data, and rents the paid-out amount to the money deposit machine. A monetary processing system for a financial store, characterized by comprising control means for storing as a thing. In a money handling system in a financial office where a cashier and a money dispenser that is operated by a customer and withdraws cash are connected via a communication line,
The money dispensing machine is
A customer identification means for identifying a customer by card or passbook;
An abnormality detection means for monitoring the state of the money dispensing machine during withdrawal and generating an event when an abnormality occurs;
Display operation means for displaying the information required for the operation of the money dispensing machine and the withdrawal process;
A communication means for exchanging data with the cashier;
While the transaction is completed when all the withdrawals are completed, when the abnormality detection means detects an abnormality during the withdrawal and the withdrawal is interrupted, the clerk operation screen is displayed on the operation display means, And a control means for transmitting, when the continuation of the withdrawal process is selected, residual data obtained by subtracting the denomination and quantity already invested from the transaction amount inputted by the customer to the cashier
The teller machine
Cash withdrawal means,
Communication means for exchanging data via the communication line with the money dispenser and receiving the event;
Registration means for registering in the work list based on the data of the money dispenser sent;
Clerk identification means for identifying the clerk performing the processing,
A teller machine display operation means for displaying the received event and receiving an input by guiding an attendant in response processing on the teller machine side according to the type of the event;
Accepting withdrawals of the money dispenser transaction according to the selected work name,
A money processing system for a financial branch, characterized by comprising control means for storing the amount of money withdrawn into the money dispensing machine at the time of withdrawal. In a money handling system in a financial office where a money changer and a cash machine are connected by a communication line,
The money change machine includes a money amount detecting means for detecting a money amount of stored money,
A communication means for transmitting request data including a denomination and quantity that needs to be replenished to a teller machine via a communication line when a stock amount detected by the stock amount detection means falls below a preset amount; ,
The teller machine has a registration means for registering the received request data in a work list;
Clerk identification means for identifying clerk,
A display input means for displaying a work list and accepting a selection input;
According to the selected work name, withdraw money from the money changer and register in the storage means that money has been withdrawn to the money changer.
A monetary processing system in a financial branch characterized by that.

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