JP4045852B2 - Automatic cash transaction system and automatic cash transaction apparatus - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention is installed in a store such as a convenience store, for example, on an ATM (Automatic Tellers Machine) that performs a transaction based on the operation of an operator such as a customer, or a CD (Cash Dispenser) that performs a withdrawal transaction. The present invention relates to a cash automatic transaction system suitable for use and an automatic cash transaction apparatus.
[0002]
[0003]
[Prior art]
Conventionally, automatic teller machines (ATMs and CDs) that allow customers to withdraw and deposit their deposits (cash) freely have been established and deployed mainly at the head offices and branches of financial institutions such as banks. It was. However, in recent years, it has come to be installed in a specific place such as a retail store or a shopping center such as a convenience store. As a result, the usage mode of the automatic teller machine has made it possible for a customer to withdraw a deposit at the nearest store, shopping center, or the like without having to bother to go to a financial institution. With the increase in such automatic teller machines, customers have been freed from wasted time and travel expenses for visiting financial institutions.
[0004]
FIG. 10 is a diagram schematically showing a hardware configuration of a general automatic cash transaction system. As shown in FIG. 10, the automatic cash transaction system is configured by connecting a host computer 201 and an automatic cash transaction apparatus 203 via a line 202 so that they can communicate with each other.
[0005]
The host computer 201 is managed by, for example, a financial institution, and manages user accounts. The automatic cash transaction apparatus 203 is installed, for example, in a retail store in addition to a bank's head office or branch, and a payment function for paying cash possessed by the automatic teller machine 203 in response to a payment request from a user; The customer has a function of depositing (depositing) cash into a financial institution account or the like.
[0006]
When a customer designates an amount of money and makes a cash payment request in the automatic teller machine 203, the information is transmitted to the host computer 201 via the line 202. In the host computer 201, the payment request amount is withdrawn from the customer's account, and the cash of the payment request amount is paid from the cash automatic transaction apparatus 203.
[0007]
Similarly, when a customer designates an amount in an account or the like established in a financial institution and deposits (deposits) cash, the information is similarly transmitted to the host computer 201 via the line 202. In 201, a deposit process is performed on the account.
[0008]
[Problems to be solved by the invention]
However, in the cash automatic transaction system described above, since the financial institution or the management company has the ownership of the cash contained in the automatic cash transaction apparatus 203, the cash automatic transaction apparatus 203 is in the store. Even if it is installed, the employees and managers of the retail store cannot handle the cash in the automatic teller machine 203. In other words, even when a trouble such as a bad conveyance of banknotes occurs in the automatic teller machine 203, it is not possible to perform processing such as removing the banknote causing the trouble and reloading the apparatus. .
[0009]
Therefore, the installation store has outsourced operations including banknote loading and security to financial institutions and management companies, and when troubles such as banknote conveyance failure occur in the automatic teller machine 203, as described above, Employees and managers could not deal with the problem, and had to wait until a financial institution or a manager of a management company entrusted with the operation (for example, a security company staff) arrived. Therefore, it takes time to recover, and there is a problem that customers and installation stores are greatly inconvenienced.
[0010]
[Problems to be solved by the invention]
Therefore, in order to solve the above-described problems, the banknotes in the automatic teller machine at the time of transaction are obtained by making the ownership of the cash in the automatic teller machine owned by the store where the automatic teller machine is installed. In some cases, a store owner who is an administrator, an employee, or the like can perform processing such as removal of banknotes even when a conveyance failure occurs.
[0011]
However, in such a method, the store must always manage the cash in the automatic teller machine, which takes extra time. In addition, there is a problem that the store side always manages a large amount of money while the large amount of money cannot be operated. Furthermore, if a theft occurs, the store side will suffer a great deal of damage.
[0012]
The present invention was devised in view of such a problem, and when a bank transfer failure or the like occurs in the automatic teller machine without requiring cash management in the store where the automatic teller machine is installed. An object of the present invention is to provide an automatic cash transaction system and an automatic cash transaction apparatus capable of solving problems in a store without entrusting to a financial institution or an investment company.
[0013]
[Means for Solving the Problems]
In order to achieve the above object, an automatic cash transaction system according to the present invention includes an automatic cash transaction apparatus that performs cash transactions in response to a customer request, a financial institution management unit that manages an account in a financial institution, and a cash An automatic cash transaction system in which an automatic transaction device and a transaction monitoring unit that monitors transactions of the financial institution management unit are connected to each other, and the automatic cash transaction device is composed of a plurality of units and transports cash during a transaction. When a defect occurs, the transaction monitoring unit has a conveyance defect notification means for notifying the transaction monitoring unit of the occurrence of the conveyance defect and the balance of the cash remaining in the conveyance defect part. In the case of receipt of a conveyance failure notification from the device, the financial institution management department inquires the manager of the installation location of the automated teller machine where the conveyance failure occurred to the handling limit amount Limit that can be handled by the handling amount comparison means, and the handling amount comparison means that compares the cash balance remaining at the conveyance failure location obtained from the notification of conveyance failure, and the handling amount comparison means. If the amount exceeds the cash balance corresponding to the defective transport location, the automatic teller machine has an unlocking instruction means for instructing the unlocking of the unit as allowing cash handling at the defective location. When a malfunction occurs and the door of the automatic teller machine unit is unlocked, the amount corresponding to the cash balance at the defective delivery location is temporarily stored in the account of the administrator at the location where the automatic teller machine is installed. If the unit door is locked and the recovery process for the defective part of the transfer is completed, it is processed as if the amount of money that was temporarily withdrawn was deposited, and automatic cash transaction Equipment location Characterized in that to complete the receipt and payment processing for administrators account.
[0014]
Furthermore, the automatic teller machine used for the automatic teller machine of the present invention is:
An automatic cash transaction apparatus that performs cash transactions in response to customer requests, a financial institution management section that manages an account in a financial institution, a transaction monitoring section that monitors transactions between the automatic cash transaction apparatus and the account management section, Is an automatic cash transaction apparatus used in an automatic cash transaction system connected to the cash automatic transaction apparatus, which is composed of a plurality of unit parts, each having an opening / closing door, and carrying cash during the transaction. When a failure occurs, the transaction monitoring unit has a conveyance failure notification means for notifying the occurrence of a conveyance failure and a cash balance remaining at the occurrence location, and by an unlocking instruction from the transaction monitoring unit, It is characterized by unlocking the unit in which the conveyance failure has occurred.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the drawings.
[0016]
FIG. 1 is a block diagram showing a functional configuration of a cash transaction system as one embodiment of the present invention, and FIG. 2 is a perspective view schematically showing an appearance of an automatic cash transaction apparatus in the cash automatic transaction system of the first embodiment. is there.
[0017]
As shown in FIG. 1, the cash deposit payment system of the first embodiment includes a deposit management unit (account management unit, financial institution center) 10, a relay center (payment transaction center) 20 as a transaction monitoring unit, and a cash payment machine 30. And a network. In the embodiment, in the automatic cash transaction system, the deposit management unit 10 and the cash payment machine 30 are connected to each other via a relay center 20 and a network so as to communicate with each other.
[0018]
In the embodiment, the description will be given in the form in which the relay center 20 is arranged so as to relay on the network as the transaction monitoring unit. However, as a connection form, there is no relay function and only the monitoring function is used. In addition, there may be a case where the financial institution terminal has a transaction monitoring unit inside and also functions as the transaction monitoring unit.
[0019]
The cash payment machine 30 is installed in, for example, a retail store, and uses cash withdrawn from a withdrawal account (a customer's account in this embodiment) in response to a request from the customer (customer). Pay to customers.
[0020]
First, the hardware configuration of the cash payment machine 30 will be described with reference to FIG.
[0021]
The cash dispenser 30 includes a display / input unit 31, a card insertion port 32, a receipt discharge port 33, a banknote discharge port 34, and a coin transaction unit 35.
[0022]
The display / input unit 31 is configured by a touch panel, for example, and displays a keyboard, buttons, and the like together with various information for the user. The user is displayed on the display / input unit 31. Various input operations can be performed based on the information. For example, the customer inputs an amount of money to be charged from the display / input unit 31, a password set in his / her account, and the like.
[0023]
In the present embodiment, the display / input unit 31 is configured by a touch panel to perform both display and input. However, the present invention is not limited to this, and the display unit that performs display is used. (For example, a display) and an input unit (for example, a keyboard) for performing an input operation may be separately provided.
[0024]
The card insertion slot 32 is used to insert a medium for identifying a customer's financial institution account such as a cash card or a credit card (for example, a magnetic card or an IC card; hereinafter simply referred to as a card). The contents registered in the card inserted from the mouth 32 are read by a card lead unit 303 (see FIG. 1) described later. The card insertion slot 32 also has a discharge function for discharging the card to the outside after the payment process is completed.
[0025]
The bill discharge port 34 discharges bills (cash) of the amount of money that has been transported by a bill transport unit 306 (see FIG. 1), which will be described later, and has, for example, a lid (not shown). By releasing the bill, the bill is released, and the user can receive the bill. The receipt discharge port 33 is for discharging a receipt printed with transaction contents to the outside.
[0026]
In the banknote storage unit 307, for example, banknotes are packed in a cassette (unit) (not shown), and the cassette is set in the banknote storage unit 307, so that it is loaded as cash for payment to the user. Note that the method of loading banknotes into the cash dispenser 30 is not limited to this. For example, the banknotes are inserted one by one or a predetermined number from a cash loading slot (not shown), and the inserted banknotes are inserted. You may convey and load to the banknote storage part 307 by the banknote conveyance part 306. FIG.
[0027]
Next, the functional configuration of the cash payment machine 30 will be described. As shown in FIG. 1, the cash dispenser 30 includes a main control unit 301, a communication control unit 302, a card lead unit 303, a bill counting / dispensing unit 304, and a customer operation unit 308.
[0028]
The main control unit 301 controls the communication control unit 302, the card lead unit 303, the bill counting / dispensing unit 304, and the customer operation unit 308 according to an instruction from the relay center 20, for example, a CPU (Cent ral Processing Unit).
[0029]
The communication control unit 302 communicates with the relay center 20 and transmits / receives various information, and is realized by, for example, a LAN (Local Area Network) card. The card lead part 303 is for reading the contents registered in the customer's cash card inserted from the card insertion slot 32.
[0030]
The bill counting / dispensing unit 304 stores and dispenses bills, and includes a unit control unit 305, a bill transport unit 306, and a bill storage unit 307. The bill storage unit 307 stores payment cash loaded by an administrator. The banknote transport unit 306 transports banknotes in the cash dispenser 30, and transports banknotes from the banknote storage unit 307 to the banknote discharge port 34 during payment processing. The unit control unit 305 controls the banknote transport unit 306 and the banknote storage unit 307.
[0031]
The customer operation unit 308 corresponds to the display / input unit 31 shown in FIG. 2 and is used by a user to input and operate. The customer operation unit 308 includes a screen display unit 309 and a key input unit 310. . The screen display unit 309 displays transaction information for the user by displaying various information for the user, and the key input unit 310 selects the user according to the screen displayed on the screen display unit 309. It is for input.
[0032]
Moreover, in the automatic teller machine 30, when some trouble arises at the time of payment to the customer, the contents of the trouble are displayed on the display / input unit 31, announced from a speaker (not shown), a receipt By outputting a printed receipt from the discharge port 33, the user is notified, and the display / input unit 31, the speaker, and the receipt discharge port 33 notify the user of the contents of the trouble. It functions as a notification unit.
[0033]
On the other hand, the deposit management unit 10 is managed by a financial institution, manages customer accounts in the financial institution, and performs deposit processing and withdrawal processing on these accounts.
[0034]
Processing when the customer operates the automatic cash transaction apparatus 30 to pay out cash will be described with reference to the flowchart shown in FIG.
[0035]
In the cash dispenser 30, the user selects that the cash is to be paid from the display / input unit 31 (step C 31), and when the customer inserts the card into the card insertion slot 32, the card lead unit 303 loads the card. The registered information (for example, account number) is read (step C32).
[0036]
In accordance with the instruction displayed on the display / input unit 31, the user inputs the password from the display / input unit 31 (step C33), and then inputs the desired amount of payment using the display / input unit 31 (step C33). Step C34).
[0037]
The cash payment machine 30 communicates with the relay center 20 and transmits a transaction message for payment request to the relay center 20 together with the information (account number, password, payment amount, etc. of the customer) acquired in steps C32 to C34. (Step C350).
[0038]
The cash payment machine 30 refers to the information transmitted from the relay center 20 to determine whether or not payment of cash to the user is possible (step C36). The reason is displayed on the display / input unit 31 or the announcement is made from a speaker (not shown), etc., and the card is returned to the user (step C311). ), The process is terminated.
[0039]
On the other hand, when payment of cash to the user is possible (see YES in step C36), the banknotes loaded in the banknote storage unit 307 are counted until the payment amount is reached (step C37), The details are printed on a receipt or the like (step C38), the card is returned to the customer, and the banknote corresponding to the payment amount is conveyed by the banknote transport unit 306 and discharged from the banknote discharge port 34 (step C39). The customer receives the cash discharged from the banknote outlet 34, and the transaction ends (step C310).
[0040]
The cash dispenser 30 updates the cash counter by deducting the amount of money paid out (step C312), and confirms that the payment has been performed normally without causing trouble such as a bad conveyance of the banknote by the banknote conveyance unit 306. To finish the process.
[0041]
Next, processing when the customer operates the automatic cash transaction apparatus 30 to deposit cash will be described with reference to the flowchart shown in FIG.
[0042]
In the cash deposit machine 30, the user selects that the cash is to be deposited from the display / input unit 31 (step C 40), and when the user inserts the card into the card insertion slot 32, the card lead unit 303 displays this card. Is read (for example, an account number) (step C41).
[0043]
The user inserts the banknote of the amount to be deposited (payment amount) from the banknote transaction slot 35 according to the instruction displayed on the display / input unit 31, and the cash deposit machine 30 is inserted by the counting transaction unit 314. The banknotes are counted to calculate the deposit amount (step C42), and the deposited banknotes are discriminated by the discrimination unit 320. The automatic teller machine 30 displays the calculated deposit amount on the display / input unit 31 and confirms with the user (step C43).
[0044]
The automatic teller machine 30 communicates with the relay center 20, and together with the acquired information (account number of the customer, deposit amount, etc.), the transaction message of the deposit request and information for specifying the automated teller machine 30 Is transmitted to the relay center 20 (step C44).
[0045]
If the automatic teller machine 30 refers to the information transmitted from the relay center 20 and can perform the deposit process (see YES in step C45), the automatic teller machine 30 has printed the transaction details. The receipt is printed and discharged from the receipt discharge port 33 (step C46), and the transaction process is completed.
[0046]
Thereafter, the cash deposit machine 30 conveys the inserted banknote to the banknote storage unit 317 by the banknote transport unit 316 and stores it in the banknote storage unit 317 (step C48), and updates the internal cash counter (step S48). C49), it is confirmed that the depositing process can be normally terminated, and the process is terminated. If the deposit process cannot be accepted for some reason (see NO in step C45), cancel the deposit process and display the reason on the display / input unit 31 or announce it from a speaker (not shown). The customer is notified, the banknotes inserted into the cash deposit machine 30 are counted, transported to the banknote transaction port 35 by the banknote transport unit 316 and returned to the user (step C49), and the inserted card is returned. The card is removed from the card insertion slot 32 and returned to the user to complete the process.
[0047]
Next, the flow of processing of the automatic cash transaction system when a failure occurs due to a conveyance failure or the like occurring during the conveyance of banknotes in the automatic teller machine 30 in the present invention will be described with reference to FIG.
[0048]
In the automatic teller machine 30, when trouble such as defective conveyance occurs, the failure place and the balance of cash at the trouble place are communicated to the relay center 20 (step C 530).
[0049]
In FIG. 8, 2a is ka? Dry time? Magnetic printer (CIP) Do you transfer money? Read or write Null paper, resi? 2b is a passbook printer (PPR) that reads and writes the passbook, and also prints the transaction details on the passbook and deposit / withdrawal cards, 2c is the authenticity discrimination of the deposited banknote, A bill recycling unit (BRU) that performs front-and-back alignment, storage of money types, payment of banknotes, etc., 2d is a coin recycling unit (CRU) that performs authenticity discrimination of deposited coins, storage in a safe, and payment of coins, Reference numeral 2e denotes a management operation unit (MOP) which is connected to the liquid crystal display unit. Bo? To handle staff necessary for daily operation of automatic transaction equipment and to deal with obstacles smoothly, 2f is a rear door, 2g is a recipe for the CIP department? Paper refilling or ja? Null paper is loaded and the CIP section A CIP replenishment unit that automatically switches when the null paper runs out, 2h is a passbook issuing unit that issues a passbook and a slip.
[0050]
FIG. 9 is an explanatory diagram of an electromagnetic lock position of the above-described banknote recycling unit (BRU). Is there a stacker in the bill recycling unit BRU? Oh? Punch lock L11, forgetting to remove / reject door lock L12, and clerk cassette door lock L17 are provided. When a conveyance failure occurs, any part of the banknote recycling unit BRU that mainly transports banknotes corresponds to which part of the unlocking is necessary to remove the banknote that caused the conveyance failure Then, information on how much cash is in the portion is transmitted as a conveyance failure notification.
[0051]
When the relay center 20 receives the notification of the conveyance failure from the automatic teller machine 30, the relay center 20 checks the financial institution management unit 10 for the limit amount that can be financed to the corresponding store (step C520). Then, the limit amount and the balance of the failure place are compared, and it is determined whether or not it is possible to finance the store with the balance equivalent amount of the unit portion that is opened and closed for failure recovery (step C521). If the balance at the obstacle location exceeds the loan limit (refer to No in Step C521), the loan is impossible, and the failure recovery work at the store is not performed, and the response of the financial institution or the operating company is waited for. (Step C531).
[0052]
If the loan limit is larger than the unit balance at the obstacle location (see Yes in step C521), the financial institution management unit 10 is requested to finance the store account with the same amount as the balance at the obstacle location, Upon receiving a notice of completion of the loan from the financial institution management department, the recovery operation at the shop is permitted to the automatic teller machine 30 and an unlocking instruction is notified (C522).
[0053]
When the automatic teller machine 30 receives the permission of the restoration work at the store from the relay center 20 (step C532), the automatic cash transaction apparatus 30 releases the electromagnetic lock of the door of the corresponding part and prompts the restoration work. When it is confirmed that the failure recovery process by the installation store manager or the staff is completed and the cash extracted as the cause of the failure is loaded again (step C533), the relay center 20 is notified (step C534). Details of the recovery process of the automatic teller machine 30 will be described later with reference to FIG.
[0054]
When the relay center 20 receives from the automatic cash transaction apparatus 30 that the restoration work has been completed and the cash has been reloaded (step C523), the financial institution management unit confirms that the primary loan amount has been repaid for the restoration. 10 is notified. The financial institution management unit 10 receives the loan repayment notice and processes the account assuming that the amount lent to the store account has been repaid.
[0055]
Although the embodiment has been described in the form of a temporary loan, it may be treated as a temporary withdrawal and processed as a deposit process instead of a repayment process.
[0056]
Through the above operation, store personnel can perform restoration work at the installed store without entrusting financial institutions or asset management companies with troubles such as defective transport that occurred in the automated teller machine 30. It becomes.
[0057]
Next, the details of the process in the automatic teller machine 30 when a failure occurs will be described according to the flowchart shown in FIG.
[0058]
If a failure due to banknote transport failure occurs during the processing of paying out or depositing cash by the user, the cash automatic transaction apparatus 30 stops operating and enters failure processing. First, the failure center and the cash balance at the failure location are notified to the relay center 20, and it is confirmed whether or not processing in the store is possible (step C60).
[0059]
When it is determined by the relay center 20 that processing by the staff of the installation store is possible, and processing by the store staff in the store becomes impossible (see No in step C61), the automatic teller machine 30 Waits for a response from a financial institution or asset management company (step C69).
[0060]
If it is determined from the relay center 20 that the dissemination process is possible in the store (see Yes in step C61), the process proceeds to the failure recovery process in the store (step C62). Judgment whether failure recovery processing is possible at the store means that the total amount of cash in the unit part that releases the electromagnetic lock for processing will be temporarily financed to the store, It is determined by judging whether or not the amount can be financed for the store. A financial institution can set and change the maximum amount that can be handled by a store by temporary financing or the like according to the account balance of the store. In addition, depending on the status of normal transactions between financial institutions and stores, even if the balance is small, the limit can be determined so that it can be handled as a temporary withdrawal by credit to the store. When it is determined that the store can be financed, the process proceeds to the dissemination process. That is, the store treats the banknote at the corresponding location as the possession money of the store confidence during the restoration process.
[0061]
At the start of recovery, confirmation of the person in charge of the work is performed using a key or ID card authentication. If the clerk can be confirmed, the electromagnetic lock of the portion necessary for processing the fault location is released (step C63). When the electromagnetic lock is released, the store clerk can open and close the door of the automatic teller machine 30. The clerk opens the door and removes the cash causing the failure (step C64), and performs a reset operation to confirm the restoration of the device as the failure removal is completed (step 65). When the resetting operation of the apparatus is completed successfully, the next amount of cash is reloaded (step C66). Details of the reloading process will be described later with reference to FIG. When the reloading of the extracted cash is successfully completed, the relay center 20 is notified (step C67), the loan repayment from the store side is completed, and the restoration process is completed. And the automatic teller machine 30 will be in the state which can be normally traded (step C68).
[0062]
When the consistency between the cash withdrawn and the reloaded cash cannot be confirmed with the relay center 20, the loan repayment process from the store is not completed, so the automatic teller machine 30 is in a stopped state. We will wait for the response of financial institutions and asset management companies. This is the same as the conventional failure recovery response.
[0063]
The reloading process by the store clerk in step C66 described above will be described with reference to FIG.
[0064]
After the store clerk withdraws the cash that is the cause of the malfunction, if the apparatus operates normally by the reset operation, the cash reloading process is selected (step C71).
A card is inserted for authentication of the attendant (step C72). Subsequently, the cashier picks up the cash withdrawn from the troubled part, the automatic teller machine 30 counts the cash (step C73), confirms the replenished amount, and the consistency between the withdrawn amount and the reloaded amount. To confirm (step C74).
[0065]
As a method for confirming the consistency of the amount after processing, the automatic teller machine 30 displays in advance the amount that needs to be extracted for processing according to the cash balance corresponding to the badly transported portion of the banknote, The amount is extracted for processing, and the amount reloaded finally is the same as the displayed amount, so that the consistency can be confirmed, or the automatic cash transaction apparatus 30 or opened for processing. To clarify how the original amount in the locked unit is consistent with the coefficient result after reloading, or to clarify how much was withdrawn for processing A method of confirming the consistency by inputting the extracted amount and calculating whether the amount has been reloaded can be considered.
[0066]
When the confirmation is completed, communication with the relay center 20 is confirmed to confirm the completion of the processing (step C75). Confirming the completion of processing means confirming that the amount of money initially loaned for processing has been repaid. When the completion of processing is confirmed, the banknote is stored in the storage unit (step C76), the cash counter is updated (step C77), the details of the processing are printed on the receipt, and issued (step C78). The process ends.
[0067]
【The invention's effect】
As described above in detail, according to the present invention, a failure caused by a conveyance failure occurring in an automatic teller machine installed in a store or the like outside a financial institution can be requested without asking a financial institution or an operating company. Since it can be handled by the administrator or staff at the installation location, the convenience of operation is improved.
[0068]
In addition, only when there is a transport failure, we temporarily loaned the amount equivalent to the cash balance in the unit to be unlocked, and the loan was repaid immediately when the transport failure recovery process was completed and the cash was reloaded Therefore, it is sufficient to handle only the minimum necessary cash, and since the loan time is short, the burden on the manager of the installation site can be reduced.
[0069]
And even in a store with a small loan limit or a store with a small amount of money, it can be temporarily financed by credit, so it can be expected that there will be an increase in the number of stores that can introduce this system.
[0070]
Furthermore, there is an advantage that the loan limit can be easily changed on the financial institution side.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a functional configuration of an automatic cash transaction system as an embodiment of the present invention.
FIG. 2 is a diagram schematically showing an overview of an automatic teller machine in an automatic teller system as an embodiment of the present invention.
FIG. 3 is a flowchart showing a cash payout process of the automatic teller machine.
FIG. 4 is a flowchart showing a cash deposit process of the automatic teller machine.
FIG. 5 is a flowchart for explaining processing of an automatic cash transaction system as one embodiment of the present invention.
FIG. 6 is a flowchart for explaining processing of the automatic teller machine as one embodiment of the present invention.
FIG. 7 is a flowchart for explaining processing of the automatic teller machine as one embodiment of the present invention.
FIG. 8 is a diagram illustrating the configuration of an automatic teller machine.
FIG. 9 is an explanatory view of an electromagnetic lock position of a bill recycling unit of the automatic teller machine.
FIG. 10 is a diagram schematically showing a hardware configuration of a general automatic cash transaction system.

Claims (2)

An automatic teller machine that performs cash transactions in response to customer requests; and
A financial institution management department for managing accounts at financial institutions;
A transaction monitoring unit that monitors transactions of the automatic teller machine and the financial institution management unit;
Is an automated cash transaction system connected to
The automatic teller machine is composed of a plurality of units, and when a cash conveyance failure occurs during a transaction, the transaction monitoring unit remains with a notification of the occurrence of the conveyance failure in the conveyance failure portion. It has a conveyance failure notification means to notify the balance of cash,
When the transaction monitoring unit receives a conveyance failure notification from the cash automatic transaction apparatus, the financial institution management unit can handle the manager of the installation location of the cash automatic transaction apparatus in which the conveyance failure has occurred. A handling amount check means for inquiring a limit amount, a handling amount obtained by the handling limit check means, and a handling amount comparison means for comparing a cash balance remaining at a conveyance failure point obtained from the conveyance failure notification; If the limit amount that can be handled by the handling amount comparison means exceeds the cash balance corresponding to the poorly transported portion, the automatic cash transaction apparatus is allowed to handle the defective portion in cash and the unit is unlocked. Having an unlocking instruction means for instructing
When a conveyance failure occurs and the door of the automatic teller machine unit is unlocked,
The amount equivalent to the cash balance of the badly transported portion is processed as having been temporarily withdrawn from the administrator's account at the location of the automatic teller machine,
After the unit door is locked and the recovery process for the defective transport location is completed, the processing is performed as if the amount of money that was temporarily withdrawn was deposited, and the account of the administrator at the installation location of the automatic teller machine The automatic cash transaction system characterized by completing the deposit and withdrawal processing for An automatic teller machine that performs cash transactions in response to customer requests; and
A financial institution management department for managing accounts at financial institutions;
A transaction monitoring unit that monitors transactions between the automatic teller machine and the account management unit;
Is an automatic teller machine used in an automatic teller machine system connected to
The automatic teller machine is composed of a plurality of unit parts, each having an opening / closing door,
In the event that a cash conveyance failure occurs during a transaction, the transaction monitoring unit has a conveyance failure notification means for notifying the occurrence of a conveyance failure and notifying the remaining cash balance at the occurrence location,
An automatic cash transaction apparatus for unlocking a unit in which a conveyance failure has occurred in accordance with an unlocking instruction from the transaction monitoring unit.

Images