JP4369610B2 - Cash management system in financial stores - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a cash management system in a financial store. For example, in a store of a financial institution such as a bank or a post office (branch, sales office, etc.), a plurality of automatic teller machines (ATMs) that deposit and withdraw cash. Automatic tellers machine), multiple teller machines (TM: tellers machine) for cash receipt and payment at the counter, cashiers for cash management in stores, etc. Data of financial institutions (headquarters or management center, etc.) It is related with the cash management system in the financial store which was transmitted to and managed the cash of each store at the center.
[0002]
[Prior art]
FIG. 8 is a block diagram showing a data processing system configuration in a conventional financial institution, and a plurality of automatic teller machines are provided in financial stores (branches, sales offices, etc.) 10 (A, B,...). 11 (111, 112,...), A plurality of depositing / dispensing machines 12 (121, 122,...), One or a plurality of money changers 14 are installed, and one accounting machine 13 is installed. The cashier 13 manages the amount of money in the safe 15 and the amount of cash on hand in the handheld cash storage shelf 16 given to each employee. Then, each data of the automatic teller machine 11 and the deposit / withdrawal machine 12 is transmitted online to the counting means (host computer) 21 of the center (head office or management center) 20, and the contents counted by the counting means 21 are tightened. Printed on the book 22 and output. Data of online machines (automatic cash dispensers and deposit / withdrawal machines) from all financial stores are transmitted to the counting means 21 of the center 20.
[0003]
The deposit / withdrawal data of the cashier 13 and the change machine 14 is notified to the center 20 by FAX or telephone as required, but the deposit / withdrawal data of the cashier 13 and the change machine 14, the automatic teller machine 11 and the deposit / withdrawal The check with the deposit / withdrawal data of the metal machine 12 is performed in each financial store 10.
[0004]
FIG. 9 shows a processing flow of the conventional system, and the daytime processing (step S100) in the financial store 10 is performed by the automatic teller machine 11, the depositing / dispensing machine 12, the depositing / dispensing machine 13, the change machine 14, and the like. The daytime processing is operations such as deposit, withdrawal, remittance, reserve, cancellation, etc., and the teller machine 13 distributes the cash of the processing machine and the handheld cash of the handheld cash storage shelf 16 by normal processing. After such daytime processing is completed, the cash amount of the processing machine is counted and output (step S101), and the hand amount of each hand is calculated and output (step S102). The stock amount is counted and output (step S103). Then, after the output of each stock amount, each stock amount and the like are entered and output in a final form in a predetermined format (step S104), the cash stock check is performed (step S105), and no matching match is obtained. In this case, the process returns to step S100 and the above operation is repeated. That is, the confirmation work is performed so that the matching of the cash balance can be obtained. If the matching is finally obtained, the data for one day is cleared and the business as a financial store is terminated (step S110).
[0005]
[Problems to be solved by the invention]
In the conventional cash management system in a financial store, it is necessary to calculate and check the processing machine stock, the stock on hand, and the inventory stock, respectively, and post it to the closing book. You need to post to the closing book. For this reason, manual calculation and handwriting (including data input) are indispensable. An example of a closing book is shown in FIG. 10, and it is necessary to enter data calculated manually in each item. As described above, each financial store is responsible for grasping the amount of money in the store (the amount of money on hand, the amount of inventory, and the amount of processing equipment), and the burden on the manager or the like is very large. In addition, there are cases in which information on the amount of money in financial stores (hand balance, stock balance, processor stock) is notified to the center by FAX, etc., but FAX transmission work, reading work or data at the center side There is a problem that it takes time to input.
[0006]
In addition, the tightening process at each store is the basic principle of conventional financial institutions. When tightening is performed at each store, data of offline machines such as teller machines and money changers are sent to the center or management center. There is no need for centralized management. In this way, the tightening process is performed at each store and the store is managed responsibly. Therefore, it is necessary to place a responsible person familiar with financial operations at each store. There is a strong demand for reductions.
[0007]
The present invention has been made under the circumstances as described above, and the object of the present invention is to provide data on offline machines such as teller machines and money changers in addition to online machines such as automatic teller machines and deposit / withdrawal machines. It is to provide a cash management system in a financial store that can be managed by summing up and managing the financial data of each financial store (branch) at the center.
[0008]
[Means for Solving the Problems]
The present invention relates to a cash management system in a financial store, the above-mentioned object of the present invention is a plurality of online machines and offline machines provided in a financial store operating a financial service,
In the cash management system in the financial store connected to the database, which is connected to the database installed in the center that centrally manages the transaction data in the financial store,
The offline machine holds a flag that is set at the time when the processing of the day is completed, and the counting means includes the transaction data transmitted from the online machine and the offline machine, and each device of the online machine and the offline machine . The cash balance is received and stored in the database, and when the presence of the flag is confirmed, the total of the deposit / withdrawal data of the online machine and the offline machine included in the transaction data, and each received device Whether or not the total amount of cash in the bank matches, and if it matches, prints the closing form and sends a verification match signal to the offline machine to finish the process, the offline machine This is achieved by displaying the received matching signal on the display unit.
[0009]
The above-mentioned object of the present invention can be effectively achieved by inputting the cash data of a safe in a financial store and cash data held by a clerk into the cash machine.
Furthermore, the object of the present invention is to send a verification mismatch signal from the counting means to the teller machine when the check is inconsistent, or after the flag is set, in the teller machine . This is achieved more effectively by making it possible to input data for the next day.
[0010]
BEST MODE FOR CARRYING OUT THE INVENTION
In the present invention, data of online machines such as automatic teller machines and deposit / withdrawal machines that require customer account information and the like for processing are transmitted to the counting means (host computer) of the center, and customer accounts are processed for processing. Data such as money change machines and teller machines that do not require information etc. are sent to the counting means of the center. In addition, commands, notification information, and the like can be transmitted from the counting means of the center to the online machines and offline machines installed in each financial store. Then, the center prints and outputs the contents aggregated by the aggregation means based on the transmitted data on a closing book. Aggregation at the center is performed after a flag is set on the financial institution of the financial store, and since the tightening is performed by checking the flag, reliable processing can be executed. After the flag is set at the financial store, the next day's processing (for example, deposit of a reserve) can be performed, so that the business can be completed quickly.
[0011]
By registering the processing machine stock, hand stock, and stock stock in the teller machine, it is automatically sent to the center, eliminating the need for manual calculations. By collecting information, a closing form can be created automatically. Finalization counting can be automated at the center, eliminating the need for managers at financial stores and enabling low-cost sales. In addition, the financial store can be operated for a long time, and the amount of the financial store can be viewed in real time from the center.
[0012]
Embodiments of the present invention will be described below with reference to the drawings.
[0013]
FIG. 1 shows a schematic configuration of a cash management system in a financial store according to the present invention corresponding to FIG. 8, and a financial service is provided to a counting means (host computer) 21 of a center 20 of a head office or a management center. Automatic cash dispenser 11 (111, 112,...) And deposit / withdrawal machine 12 (121, 122) which are online machines of financial stores (branches, sales offices, etc.) 10 (A, B,...) ,...) Are connected so as to be able to transmit and receive, and an offline machine 13 and an exchange machine 14 are also connected so as to be able to transmit and receive. The teller machine 13 manages cash in the store in addition to the cash in the safe 15 and the cash storage shelf 16 held by the attendant. The financial stores A, B,... Have almost the same configuration, and in this example, the financial store A (10) is shown in detail. That is, in the financial store 10, a plurality of automatic teller machines 11 (111, 112,...) Are installed on the service floor as online machines that require management of customer account information and the like, and a plurality of deposits and withdrawals are performed. Machine 12 (121, 122,...) Is installed at the financial service window, and one teller machine 13 is installed as an offline machine that does not require management of customer account information and the like on the service floor. One or a plurality of money changers 14 are installed, and cash data such as a safe 15 or a handheld cash storage shelf 16 held by an attendant is input to the cashier 13 every time money is transferred. The data of these online machines and offline machines is appropriately transmitted to the counting means 21 of the center 20, and a database 23 is connected to the counting means 21, and the collected and registered data is printed out by a printer (not shown). Thus, the closing book 22 is automatically created.
[0014]
FIG. 2 shows an example of the external configuration of the depositing / dispensing machine 13. The coin depositing / dispensing machine 131, the banknote depositing / dispensing machine 132, the banknote bundle binding / dispensing machine 133, the wrapping coin dispensing machine 134, and the new ticket dispensing machine 135 are integrated. In the upper part of the bill depositing / dispensing machine 132, a main terminal 136A including a display unit and an operation unit is provided, and a printer 136B for printing a journal is provided, and an upper part of the bill bundle binding / withdrawing machine 133 is provided. Is provided with a sub-terminal 137A including a display unit and an operation unit. In addition, a printer 137B that prints and outputs a journal is provided at the top of the wrapping coin dispenser 134, and a coin dispenser 138 is provided above the boundary between the banknote depositing and dispensing machine 132 and the banknote bundling and dispensing machine 133. ing. The teller machine 13 processes and manages deposit / withdrawal data of coins and banknotes used in the financial store 10.
[0015]
FIG. 3 shows the processing of the teller machine 13 in the financial store 10 (for today and the next day) and the data classification in the center 20. The center 20 can perform data processing for each financial store. The teller machine 13 can set a flag 1 from the operation unit of the main terminal 136A or the sub-terminal 137A. Setting the flag 1 separates the processing for today and the next day. ing. Therefore, even if it is that day, if the flag 1 is set after the processing for today, depositing work such as a reserve can be performed as processing for the next day.
[0016]
FIG. 4 shows a processing flow of the financial store 10 and the center 20, and the financial store 10 performs normal daytime processing (step S10). In the daytime processing, normal processing is executed by the automatic teller machine 11, the depositing / dispensing machine 12, the depositing / dispensing machine 13, and the change machine 14, and the depositing / dispensing machine 13 performs depositing, withdrawal, withdrawal, withdrawal, transfer of funds, etc. Is performed. Here, the processing of the teller machine 13 will be described with reference to the screen shown in FIG.
[0017]
The main menu screen of the main terminal 136A or the sub-terminal 137A of the cashier 13 is as shown in FIG. 5 (A), and “deposit”, “withdrawal”, “remittance”, “remittance”, “fund” “Transfer”,..., “Balance inquiry” is selected and processed. When “Money transfer” is selected, the screen of the funds transfer menu is displayed as shown in FIG. When funds are transferred from “stock → hand held”, that is, when funds are transferred from the safe 15 to the handheld cash storage shelf 16, a fund transfer input screen as shown in FIG. Enter the number of bills and coins for each denomination, or enter the amount for each denomination. In this case, if one (number or number) is entered, the other (amount or number) is automatically calculated and displayed. The display screen when the funds transfer data is input is, for example, as shown in FIG.
[0018]
Further, when “inquiry balance inquiry” is selected on the main menu screen of the main terminal 136A or the sub terminal 137A of the teller machine 13, a balance inquiry menu screen as shown in FIG. Inquiry menu includes "Processing machine inventory", "Post inventory", "Hand inventory", "Processor / post / hand inventory", "Inventory inventory", ..., "Simplified inventory" Yes, for example, when “stock inventory” is selected, the screen shown in FIG.
[0019]
After the daytime processing as described above, the financial store 10 inputs the current day data, and after the completion processing, it is not updated to the current day balance but reflected to the next day balance (step S11). The processing for the next day is performed by setting the flag 1 from the operation unit when the current day processing is completed. Further, the center 20 updates the stock amount of the processing machine (step S20), and updates the available stock amount (step S21). Thereafter, the inventory inventory is updated (step S22), a closing form is created and output (step S23), and a collation check is performed (step S24). The verification check is performed by confirming the printed up slip form and the actual balance. If the collation is inconsistent (uncalculated), the process returns to step S10. If the collation is in agreement (acknowledged), the notification is sent to the financial store 10, the data is automatically cleared, and the operation is terminated (step S12). ).
[0020]
FIG. 7 shows an operation example of the counting means 21 of the center 20. The counting means 21 first transmits a stock amount inquiry signal to the financial store 10 (step S30). It is determined whether or not it has been transmitted (step S31), and when the processing machine stock is received, the processing machine stock in the database 23 is updated to the latest data (step S32). Thereafter, it is determined whether or not the hand allowance has been transmitted (step S33). If the hand allowance is received, the hand allowance in the database 23 is updated to the latest data (step S34). Further, it is determined whether or not the inventory inventory has been transmitted (step S35). When the inventory inventory is received, the inventory inventory in the database 23 is updated to the latest data (step S36). Note that if the processing machine inventory, hand inventory, and inventory inventory are not received in steps S31, S33, and S35, respectively, the process returns to step S30 and the above operations are repeated.
[0021]
When the above-described processing machine inventory update, hand inventory update, and inventory inventory update are completed, a flag confirmation signal is then transmitted to determine whether the flag 1 is set on the teller 13 of the financial store 10 ( Step S40). If flag 1 is set, the tightening calculation is automatically performed to create form data (step S41), and collation is performed (step S42). In addition, the automatic cash dispenser 11, the deposit / withdrawal machine 12, the cashier 13 and the change machine 14 have different business hours, and the automatic cash dispenser 11 has the longest business hours (for example, from 9 am to 7 pm). Therefore, tightening will be done when all the processing machines are closed.
[0022]
The collation includes the total of accounts (total of cash receipt / withdrawal data of cash dispenser 11, deposit / withdrawal machine 12 and cash dispenser 13) and the balance of cash (automatic cash dispenser 11, cash dispenser 12, cashier 13). , The total of the amount of money in the money changer 14) is matched. If the collation is affirmative, the final form is printed out by the printer (step S43), a collation coincidence signal is transmitted to the financial store 10, and the process ends (step S44). The notification of the verification coincidence signal is displayed on the display unit of the teller machine 13. If the collation is not calculated, a collation mismatch signal is transmitted to the financial store 10 and the process is terminated (step S45). As a result, according to the present invention, all portions of block A in the flow of FIG. 9 showing the conventional processing example are automated at the center 20, and the work load at the financial store 10 can be reduced or reduced.
[0023]
In the above description, the automatic cash dispenser 11 and the deposit / withdrawal machine 12 are cited as online machines, and the cashier 13 and money changer 14 are cited as offline machines, but are not limited to these processing machines.
[0024]
【The invention's effect】
As described above, according to the cash management system in the financial store of the present invention, the data of the automatic cash dispenser, deposit / withdrawal machine, money changer, and cashier of the financial store is transmitted to the counting means of the center. The financial store can be operated for a long time, and the center can check the data of the financial store, the amount of cash, etc. as needed, and can print the contents collected by the counting means on the closing book. The same information can be shared on the center side without any special operations by financial store operators, and the information on each financial store is concentrated in the center. it can. By registering inventory inventory in the cashier, manual calculation can be saved, and even when creating a closing book, a closing book can be created automatically by collecting inventory information from the center. It can greatly contribute to rationalization and cost savings.
[0025]
In addition, it is possible to reduce the burden of managing the amount of funds and tightening work without changing the operation of financial stores, and by grasping the amount of funds of all financial stores at the center, it is possible to manage total funds beyond the boundaries of financial stores. It becomes possible. Furthermore, since the data clear can be automatically performed from the counting means of the center , there is an advantage that a dedicated person in charge and a person in charge are not necessary on the financial store side.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration example of a cash management system in a financial store according to the present invention.
FIG. 2 is an external configuration diagram showing an example of a teller machine.
FIG. 3 is a diagram showing a relationship between a data processing in a teller machine and a center.
FIG. 4 is a diagram showing a processing flow of a financial store and a center according to the present invention.
FIG. 5 is a screen diagram illustrating an operation example of the teller machine.
FIG. 6 is a diagram showing an example of a fund transfer screen in a cashier.
FIG. 7 is a flowchart showing an operation example of a counting unit.
FIG. 8 is a block diagram illustrating a configuration example of a cash management system in a conventional financial store.
FIG. 9 is a flowchart showing a processing example of a cash management system in a conventional financial store.
FIG. 10 is a diagram illustrating an example of a handbook (final book).
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 Flag 10 Financial store 11 Automatic cash dispenser 12 Deposit / withdrawal machine 13 Cashier 14 Exchange machine 15 Safe 16 Handheld cash storage rack 20 Center 21 Counting means (host computer)
22 closing book 23 database 131 coin depositing machine 132 banknote depositing / withdrawing machine 133 banknote bundling and dispensing machine 134 packaging coin dispensing machine 135 new ticket dispensing machine 138 coin dispensing machine

Claims (4)

A plurality of online machines and offline machines installed in financial stores operating financial services;
In a cash management system in a financial store connected to a database connected to a database installed in a center that centrally manages transaction data in the financial store,
The offline machine holds a flag set at the time when the processing of the day is completed,
Said collecting unit, the receive line machine and the transaction data sent from the offline apparatus and the cash balance of the respective devices of the line machine and offline machine stores in the database, check the presence of the flag When the total of the deposit / withdrawal data of the online machine and offline machine included in the transaction data matches the total cash balance of each device received, Prints out the closing form and sends a match signal to the offline machine to finish the process,
The offline machine displays the received matching signal on a display unit, and is a cash management system in a financial store. 2. The cash management system in a financial store according to claim 1, wherein the offline machine is a cashier, and cash data of a safe in the financial store and cash data held by a clerk are input to the cashier. The cash management system in a financial store according to claim 2, wherein when the verification does not match, a verification mismatch signal is transmitted from the counting means to the teller machine. 3. The cash management system in a financial store according to claim 2, wherein after the flag is set, the cash machine is configured to allow data input for the next day in the teller machine.

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