JP4863717B2 - Control method and apparatus - Google Patents

Description

  The present invention relates to information processing technology in a branch office in a financial institution such as a bank.

  Conventionally, in a bank, large deposits and withdrawals are not processed at a bank counter, and a cashier has to perform cash deposits and withdrawals from a cashier and check cash each time.

  Japanese Laid-Open Patent Publication No. 8-315248 discloses a technique for eliminating the opportunity for a store clerk to touch cash in accounting, preventing the mistake in the amount of money in cash delivery, and preventing the store clerk from cheating. . Specifically, in a register that stores cash, performs accounting operations according to the entered information, and issues receipts as accounting records, the cash input for the customer to insert cash, and cash to the customer Cash deposits and withdrawals are made by distinguishing the cash denomination, loss, authenticity, number, etc. of the cash entered by the customer from the cash slot, storing the cash that can be deposited, and discharging the change to the cash outlet Machine. However, it does not handle large deposits and withdrawals, but only handles cash deposits and withdrawals in the register that processes transactions.

Further, Japanese Patent Application Laid-Open No. 11-219398 discloses a technique that enables a user to receive a cash at a facility other than a financial institution store at a low cost. Specifically, it is a system used by a user to receive cash at a facility other than a financial institution store, and is card information issued by a financial institution and used to read information on a card possessed by the user. A reading means; a password input means for inputting a password registered in advance in the financial institution by the user; a desired amount input means for inputting an amount desired by the user; A receipt issuing means for issuing a receipt in which information relating to the amount entered by the desired amount input means is recorded, and by presenting the receipt, the user can receive cash at a facility other than the store of the financial institution It is a thing. Assuming that cash is received at a facility other than a financial institution store, and changing the mode of payment (location and timing) according to the terminal in the financial institution store Not assumed.
JP-A-8-315248 JP-A-11-219398

  In the prior art, large deposits and withdrawals are not linked to transactions at window terminals, and administrative processing is performed. Therefore, specifically, the following problems existed. That is, the host account processing and the account of the large depositing / dispensing machine are not linked, and the burden of manual verification and scrutiny by bank employees is high. It requires a lot of administrative work, such as reprints and the accompanying seal processing for officers. In addition, it is necessary not only to control the branch terminal but also to deal with the employee leaving the office. Furthermore, since the bank employees themselves touch the cash, it is necessary to conduct a scrutiny (re-accounting) at the time of delivery. In addition, since it is not possible to determine the amount of money in a large deposit machine, it is necessary to procure funds from a vault for the first time after receiving a customer. Then, in order for the clerk to deposit and withdraw cash, a cash tightening process is performed, but there is a task of matching the actual item (cash) in the related equipment (large deposit / withdrawal machine / casher) with the host account.

  Large deposits and withdrawals are the basic operations of financial institutions, but they do not generate profits, but they have a high administrative burden and hinder the improvement of operational efficiency. On the other hand, of course, careful handling is necessary when handling cash.

  Accordingly, an object of the present invention is to provide a technique for improving the efficiency of a large deposit / withdrawal operation performed in a financial institution while maintaining safety.

  According to the first aspect of the present invention, a method for controlling a cash handling device (for example, a recycle cashier in the embodiment) that bundles cash every predetermined number and holds it as a small bundle, A step of requesting a withdrawal and receiving a withdrawal request including terminal type information from the terminal, a first determining step of judging whether the cash handling device can withdraw a small bundle relating to the withdrawal request, and a withdrawal request A second determination step for determining whether the terminal type information included in the information indicates that a cash handling device is arranged adjacent to the terminal requesting the withdrawal request, and a positive determination in the first and second determination steps If the payment is made, the cash handling device is instructed to withdraw a small bundle related to the withdrawal request.

  In this way, even when making large withdrawals by controlling cash handling equipment, withdrawals are made in small bundle units, so the number of cash counting by employees of financial institutions can be reduced, and office efficiency Can be improved. Further, from the viewpoint of safety, if the conditions in the first and second determination steps are not satisfied, the small bundle is not withdrawn immediately, and the business can be performed safely.

  Further, when a negative determination is made in the first determination step described above, a step of transmitting an error notification to the requesting terminal of the withdrawal request may be further included. For example, in the case of an operation error or short bundle shortage in a cash handling device, a small bundle withdrawal cannot be instructed immediately.

  Further, if a negative determination is made in the second determination step described above and the terminal requesting the withdrawal request is a terminal operated by the depositor, it is confirmed that the withdrawal request has been made to the terminal. You may make it further include the step which outputs the form to represent. For large withdrawals, do not let the customer operate the terminal alone, but with the employees of the financial institution. In this case, for example, even if a customer operates an ATM (Auto Teller Machine) and makes a withdrawal request, it simply puts out a form, and the employee of the financial institution actually uses the cash handling device based on the form. A small bundle is withdrawn.

  The deposit management method according to the second aspect of the present invention includes a cash amount deposited by a customer in a cash handling device and counted without specifying the account number of the customer as an original fund amount different from the account number. Using the first registration step of registering in the transaction management database corresponding to the payment identification information, and the account number of the customer specified on a terminal different from the cash handling device and the transaction amount less than the original funds amount, And a second registration step of registering the account number of the customer and the transaction amount equal to or less than the original fund amount in the transaction management database in correspondence with the payment identification information.

  Even in the case of large deposits, cash is counted by a cash handling device by a customer's operation, and data linkage is realized by deposit identification information (for example, a serial number in the embodiment) so that deposits can be made appropriately. As a result, human-counting-related work is reduced, and work efficiency is improved.

  The present method is implemented by a computer and a program executed on the computer, and the program is stored in a storage medium or storage device such as a flexible disk, a CD-ROM, a magneto-optical disk, a semiconductor memory, or a hard disk. Is done. Moreover, it may be distributed as a digital signal via a network or the like. The intermediate processing result is temporarily stored in a storage device such as a main memory.

  According to the present invention, the efficiency of large-scale deposit / withdrawal operations performed in a financial institution can be improved while maintaining safety.

  First, a bank office using the computer system according to the embodiment of the present invention will be described with reference to FIG. In addition, although the example of a bank is shown, it is effective also in other financial institutions. A customer who enters the lobby side of the bank office in the present embodiment uses an ATM (Auto Teller Machine) 1002 and a recycle cashier 1003 for making large deposits in accordance with the transaction contents at the general reception counter 1001. Or 1009, a module box 1010 (1010a and 1010b in this case) for conducting various transactions, an intermediary counter 1007 for large withdrawals, an appropriate place among consultation counters (not shown), etc. Follow the procedure.

  In the ATM 1002, in addition to conventional deposit, withdrawal, and transfer, a customer can perform a large withdrawal instruction, which will be described below, and a payment receipt in the large deposit. Any number of ATMs 1002 may be used. In the recycle cashiers 1003 and 1009, the customer can make a large deposit. The recycle cashiers 1003 and 1009 have user interfaces on the deposit side operated by the customer and operated on the bank side and on the withdrawal side operated by the bank clerk by the customer. Note that the recycle cashier 1009 may not exist.

  The module box 1010 has an ATM 1005 (here, 1004a and 1004b) in which a quick navigation 1004 (here 1004a and 1004b) in which a branch office terminal 1006 (hereinafter referred to as UBT. 1005a and 1005b) are installed. The bank clerk operates the sales office terminal 1006 to support various transaction procedures such as deposit, withdrawal, and transfer required by the customer. Specifically, in the module box 1010, the customer himself / herself operates the ATM 1005 and the recycle cashers 1003 and 1009 to complete the necessary transaction procedure without touching the cash on the bank side. Note that the number of module boxes 1010 may be any number.

  In the agency counter 1007, a small bundle (for example, a bundle of 100 banknotes) output from the withdrawal side of the recycle cashier 1003 or 1009 by, for example, a bank clerk operating a UBT 1008 to a customer who requires large withdrawals. give. The delivery of small bundles related to large withdrawals is performed by the agency counter 1007, but in some cases, withdrawal instructions may be issued by the UBT 1006 or the ATM 1005 or 1002. However, the required processing is different between the case where the recycling cashier from which the bank employee withdraws is the recycling cashier 1009 adjacent to the UBT 1008 and the other cases.

  These bank offices greatly reduce the number of times the bank employees touch the cash, re-accounting associated with the delivery, matching work between the physical (ie, cash) and host accounts, and other scrutiny / manuals Verification can be reduced.

  Next, a computer system used in such a bank office will be described with reference to FIGS. In the sales office system, the sales office LAN (Local Area Network) 1101 includes a recycling casher 1003, an ATM 1002, an account server 1501 that manages the transaction management DB 1502, a UBT 1008 and a recycling casher 1009 in the agency counter 1007, and a UBT 1006 and an ATM 1005 in the module box 1010. The other UBT 1011 and a network 1102 connected to another system are connected. An information system server (not shown) is connected to the branch office LAN 1101, but since it is not directly related to the present embodiment, it will not be described further. Further, the billing host 1200 and other conventional computers are connected to the network 1102, but since they are not directly related to the present embodiment, they will not be described further.

  The UBT 1008 has terminal type information “UBT agency”, and the UBTs 1006 and 1011 have terminal type information “UBT quick”.

  FIG. 3 is a functional block diagram of the ATM 1002 or 1005. The ATM 1002 or 1005 includes an ATM business application 101 for ATM business processing, a card processing unit 102 that performs processing such as reading of a cash card, a passbook processing unit 103 that performs processing such as reading and printing of a bankbook, It includes a banknote unit 104 that performs processing such as output, a coin unit 105 that performs processing such as counting and outputting coins, terminal type information (ATM) 106, and a deposit slip printing unit 107 that prints deposit slips.

  FIG. 4 shows a functional block diagram of the UBT 1006, 1008 or 1011. The UBT 1006 or 1008 includes a UBT business application 201 for UBT business processing, an OCR (Optical Character Recognition) 202 for reading a form such as a passbook or a payment slip, terminal type information (UBT quick / UBT agency) 203, data such as a passbook A passbook processing unit 204 for reading out.

  FIG. 5 shows a functional block diagram of the recycle cashier 1003 or 1009. The recycle cashier 1003 or 1009 is for processing related to a log DB 301 for storing operation logs of customers and employees, a cash management DB 302 for managing cash and small bundles in the recycle cashier, and RC (recycle cashier). Application 303, small bundle unit 304 for processing such as small bundle creation and output, banknote unit 305 for performing input / output processing of banknotes, coin unit 306 for performing input / output processing of coins, acceptance to customers It includes a receipt slip printing unit 307 that prints a vote, a card reading unit 308 that reads a bank card or a customer-specific card, and a user management DB 309 that holds a pair of a bank ID and a password.

  Next, processing of the computer system shown in FIGS. 2 to 5 will be described with reference to FIGS.

(1) Large deposit process (1-1) Large deposit process using UBT First, a process when a customer deposits a large deposit exceeding 2 million yen will be described. Note that there are cases where UBT is used for bankbook entry and ATM is used, and here, the case where UBT is used will be described.

  First, the customer receives a special card for large deposit at the general reception counter 1001 or the quick navigation 1004 and goes to the recycle cashier 1009. Then, the customer inserts or reads the dedicated card into the recycle cashier 1009. When the card reading unit 308 of the recycle cashier 1009 reads the dedicated card, the RC application 303 recognizes the deposit and opens a cash slot. The customer inserts the cash brought into the cash slot, and the recycle cashier 1009 accepts the cash input by the customer (FIG. 6: step S1). The banknote unit 305 and the like of the recycle cashier 1009 performs the counting process of the inserted cash, and updates the banknote management table and the like of the cash management DB 302 (step S3). Since the banknote management table and the like of the cash amount management DB 302 are the same as the conventional ones, they will not be described further.

  Next, the RC application 303 of the recycle cashier 1009 transmits a serial number issue request including the transaction name (payment) and the amount (for example, 10 million yen) as the counting result to the account server 1501 (step S5). The accounting server 1501 receives a serial number issue request from the recycle cashier 1009 (step S7), issues a serial number (also referred to as a reception number, here referred to as “0002”), serial number, transaction name (payment), and amount of original funds (For example, 10 million yen) and status (issue serial number) are registered in the transaction management DB 1502 (step S9). The transaction management DB 1502 stores data as shown in FIG. 7, for example. Specifically, a serial number, account number, transaction name, amount (source), transaction amount, difference, denomination, number of bundles, password, and status are registered. In step S9, a record having a serial number 0002 is generated and registered. However, account numbers, transaction amounts, differences, denominations, bundles, and passwords are not registered at this stage. The billing server 1501 transmits the issued serial number to the recycle cashier 1009 (step S11). The recycle cashier 1009 receives the serial number from the accounting server 1501 (step S13), displays a transaction content confirmation screen, and prompts for a password (step S15). For example, a screen as shown in FIG. 8 is displayed. In the example of FIG. 8, the transaction serial number (0002) and the deposit amount (10 million yen) are displayed, and the user is prompted to enter a password.

  The customer inputs a password to the screen from, for example, an input device. The RC application 303 of the recycle cashier 1009 receives an input of a password (for example, ABCD) from a customer (step S17), and transmits a serial number and a password to the account server 1501 (step S19). The accounting server 1501 receives the serial number and password from the recycle cashier 1009 (step S21), and registers the password and status (uncompleted) corresponding to the serial number in the transaction management DB 1502 (step S23). As a result, data stored in the transaction management DB 1502 is as shown in FIG. 9, for example. In other words, the password (ABCD) is additionally registered corresponding to the serial number 0002, and the status is updated to “incomplete”. Then, the billing system server 1501 transmits the processing result (normal) to the recycle cashier 1009 (step S25). When the process for the transaction management DB 1502 fails, a process result (abnormal) may be transmitted.

  The RC application 303 of the recycle cashier 1009 receives the processing result (normal) from the accounting server 1501 (step S27), displays the processing completion on the display device, and causes the reception slip printing unit 307 to print the reception slip (step S27). S29). For example, a receipt slip as shown in FIG. 10 is output. In the example of FIG. 10, the date / time and the reception number (serial number) are printed. The amount is not printed because it is not a receipt. Note that the RC application 303 of the recycle cashier 1009 prints the transaction journal (FIG. 11) with a printer for employees not shown. In the example of FIG. 11, the date and time, the reception number (serial number), the denomination details (the number of thousand yen bills, the number of thousand yen bills, the number of coins, etc.), and the total amount are printed as spares.

  In this manner, the deposit is recorded in the transaction management DB 1502 of the account server 1501 and used in the actual deposit process described below.

  Next, an actual deposit process flow will be described with reference to FIGS. When the customer receives the reception slip from the recycle cashier 1009, the customer goes to, for example, the quick navigation 1004, returns the dedicated card, and passes the passbook and the reception slip to the bank employee. Then, the UBT business application 201 of the UBT 1006 displays a resource setting screen according to the input from the bank employee (FIG. 12: step S31). For example, a screen as shown in FIG. 13 is displayed. In the example of FIG. 13, an input field for a reception number (serial number) and an input field for a password are displayed. However, in the present embodiment, when UBT is used, it is not necessary to input a password.

  The clerk inputs the serial number of the receipt slip on this screen. The UBT business application 201 of the UBT 1006 receives the input of the serial number (step S33), and transmits a search request including the serial number and terminal type information (here, “UBT quick”) to the accounting server 1501 (step S35). The accounting server 1501 receives a search request including a serial number and terminal type information (UBT quick) from the UBT 1006 (step S37), and determines whether the terminal type information is UBT (step S39). If the terminal type information is not UBT, the process proceeds to the process in FIG. If the terminal type information is not UBT, it is ATM, but this is not possible here. If the terminal type information is UBT, the transaction management DB 1502 is searched by serial number, and the corresponding record is extracted (step S41). For example, when data as shown in FIG. 9 is stored in the transaction management DB 1502, a record having a serial number 0002 is extracted. Further, the accounting server 1501 updates the status of the record to “acquiring” (step S43). For example, data as shown in FIG. 14 is registered. In the example of FIG. 14, the status of the second record is changed to “acquiring”. Then, the data of the extracted record is transmitted to the UBT 1006 (step S45).

  The UBT business application 201 of the UBT 1006 receives the extracted record from the account server 1501 and displays it on the display device (step S47). For example, a screen as shown in FIG. 15 is displayed. In the example of FIG. 15, the reception number (serial number) and the deposit amount are displayed. The clerk confirms the displayed content and presses the “complete key”. The UBT business application 201 of the UBT 1006 receives the confirmation input from the bank employee, and sets the amount of the original funds received in step S47 in the internal amount of funds counter (step S49). Further, a menu screen is displayed (step S51). Here, assuming that the customer requests the deposit to the ordinary deposit, the bank employee selects and inputs the ordinary deposit deposit on the menu screen. In response to this, the UBT business application 201 of the UBT 1006 accepts a selection input for saving deposit (step S53) and displays a savings deposit screen (step S55). For example, a screen as shown in FIG. 16 is displayed. By this stage, the bankbook is set in the bankbook processing unit 204 of the UBT 1006 and the account number is read. Then, the savings deposit screen includes an account number display and a deposit amount input field. Here, since the amount of money equal to the amount of the original funds is deposited, the bank clerk inputs the deposit amount of 10 million yen and presses the “completion key”. The processing shifts to the processing in FIG.

  17, the UBT business application 201 of the UBT 1006 accepts input of transaction data (payment amount) (step S57), and the amount of the original funds (value of the original funds amount counter) ≧ the amount of transaction (payment amount). (Step S59). If the amount of original funds is less than the transaction amount, there is no possibility of a deposit amount, so the process returns to step S57 to request re-input.

  If the original fund amount ≧ the transaction amount, the UBT business application 201 of the UBT 1006 requests the account host 1200 to perform a deposit process including the account number and the deposit amount (step S61). Since the processing of the accounting host 1200 is the same as the conventional processing, it will not be described further here. The accounting system host 1200 returns the processing result (normal or abnormal) to the UBT 1006.

  The UBT business application 201 of the UBT 1006 receives the processing result from the account host 1200 and determines whether or not it has been completed normally (step S63). If any abnormality has occurred, an error is displayed (step S65), the process returns to step S57, and the process is performed again.

  On the other hand, if the processing of the accounting host 1200 is normally completed, the UBT business application 201 of the UBT 1006 displays the transaction completion on the display device, and causes the passbook processing unit 204 to print the deposit data on the passbook ( Step S67). Then, the value of the original fund amount counter is updated as (original fund amount−transaction amount) (step S69). In addition, a menu screen is displayed (step S71). The clerk gives instructions on this menu screen.

  Then, the UBT business application 201 of the UBT 1006 determines whether an “additional transaction” instruction has been made on the menu screen (step S73). For example, when the original fund amount is 10 million yen and the deposit amount to the ordinary deposit is 950,000,000 yen, and the difference is deposited into a time deposit or an investment trust, an instruction for that is given to conduct an additional transaction. When an additional transaction is instructed, the process returns to step S51 in FIG. However, it is necessary to select another transaction in step S51. Since the basic processing contents of the other processes are the same, they will not be described further here.

  If it is not an instruction of “additional transaction”, the UBT business application 201 of the UBT 1006 displays a resource setting / cancellation screen including the deposit amount, the transaction amount (deposit amount), and the difference (step S75). For example, a screen as shown in FIG. 18 is displayed. In the example of FIG. 18, the receipt number (serial number), the RC deposit amount (original fund amount), the transaction amount (deposit amount to the ordinary deposit), and the difference are included. In the example described above, since the entire amount is deposited in the ordinary deposit, the difference is 0 yen. The processing shifts to the processing in FIG.

  19, the UBT business application 201 of the UBT 1006 determines whether the difference is 0 (step S77). If the difference is not 0, a refund is required, so that the description shifts to the description of FIG. On the other hand, if the difference is 0, in order to end the process, the clerk presses the “complete key” on the screen shown in FIG. Then, the UBT business application 201 receives a transaction completion instruction from the bank employee (step S79), and transmits a DB update request including a serial number, a transaction amount (payment amount), an account number and a difference to the account server 1501 (step S81). . The account server 1501 receives a DB update request including a serial number, transaction amount (payment amount), account number and difference (= 0) from the UBT 1006 (step S83), and the status “completed”, The account number, transaction amount (payment amount), and difference (= 0) are registered in the transaction management DB 1502 (step S85). For example, data as shown in FIG. 20 is registered in the transaction management DB 1502 in step S85. The difference from FIG. 14 is the data included in the DB update request described above and the status “completed”. Then, the processing result (normal) is returned to the UBT 1006 (step S87).

  The UBT business application 201 of the UBT 1006 receives the processing result (normal) from the account server 1501 (step S89), performs initialization such as clearing the underlying funds amount counter, and displays a menu screen (step S91).

  By performing such processing, correct deposit data is registered in the account host 1200, and the deposit data is also recorded in the passbook. Furthermore, the procedure state is correctly managed by the transaction management DB 1502.

  For example, as shown in FIG. 21, if the deposit amount is 9.9 million yen, which is less than 10 million yen, and the difference is not 0 on the resource setting / cancellation screen, A difference refund will be required. In such a case, processing as shown in FIG. 22 is performed. That is, after the terminal E, the UBT business application 201 of the UBT 1006 determines whether a transaction completion instruction is issued from a bank clerk (step S93). If any key other than the “completion key” is depressed, the process returns to step S51 in FIG.

  When the “completion key” is depressed and a transaction completion instruction is issued, a DB update request including a serial number, transaction amount (payment amount), account number, and difference (≠ 0) is transmitted to the account server 1501 (step) S95). The account server 1501 receives a DB update request including the serial number, transaction amount (payment amount), account number and difference (≠ 0) from the UBT 1006 (step S97), and the account number and transaction amount corresponding to the serial number. (Payment amount) and the difference are registered in the transaction management DB 1502 (step S99). However, since the difference is not 0 here, the status is held as “incomplete”. As a result, data as shown in FIG. 23 is registered in the transaction management DB 1502. The difference from FIG. 20 is the difference and status. Then, the processing result (normal) is returned to the UBT 1006 (step S101).

  The UBT business application 201 of the UBT 1006 receives the processing result (normal) from the account server 1501 (step S103), performs initialization such as clearing the underlying funds amount counter, and displays a menu screen (step S105).

  Since the refund has not been completed at this stage, the following refund process is performed using the ATM 1005 of the same module box 1010 with reference to FIGS. The ATM 1005 is operated by a customer, not a bank employee. As a result, the bank clerk does not touch the cash, so that the amount of office work can be reduced.

  The ATM 1005 displays a transaction menu as shown in FIG. 25 (step S107). In the example of FIG. 25, a deposit button, a transfer button, a withdrawal button, and an RC (recycle cashier) cooperation button are displayed. Here, it is assumed that the customer presses the RC cooperation button. The ATM business application 101 of the ATM 1005 receives an RC cooperation instruction from the customer (step S109), and displays a transaction confirmation screen as shown in FIG. 26 (step S111). In the example of FIG. 26, a reception number (serial number) and password input field are displayed.

  The customer enters the ATM 1005 with the receipt number of the receipt slip and the password entered with the recycle cashier 1009. The ATM business application 101 of the ATM 1005 receives an input of a reception number (serial number) and a password from the customer (step S113), and sends a search request including the reception number (serial number), password, and terminal type information (ATM) of the ATM 1005 to the accounting server. 1501 (step S115).

  The accounting server 1501 receives a search request including the reception number (serial number), password, and terminal type information (ATM) of the ATM 1005 from the ATM 1005 (step S117). Then, the transaction management DB 1502 is searched for the reception number (serial number) included in the search request, and the password registered correspondingly is read. Then, a password check is performed by comparing the received password with the read password (step S119). In the case of terminal type information (ATM), a password check is always required. On the other hand, if the terminal type information is UBT, the password check is unnecessary. If the password check is not successful (step S121: No route), the ATM 1005 is notified of the verification failure. The business application 101 of the ATM 1005 receives the verification failure from the account server 1501 and indicates the verification failure to the display device (step S123). Then, the process returns to step S113.

  On the other hand, if the password check is successful (step S121: Yes route), the account server 1501 reads the original funds amount, the transaction amount, and the difference registered in the transaction management DB 1502 corresponding to the received receipt number (serial number). The status is updated to “acquiring” (step S125). The data registered in the transaction management DB 1502 at this stage is as shown in FIG. 27, for example. Only the status “acquiring” is different from FIG. Then, the read original funds amount, transaction amount and difference are returned to the ATM 1005 (step S127).

  The ATM business application 101 of the ATM 1005 receives the original funds amount, the transaction amount and the difference from the account server 1501 (step S129), and displays a transaction confirmation screen (step S131). An example of the transaction confirmation screen is shown in FIG. In the example of FIG. 28, a reception number (serial number), an RC deposit amount (original fund amount), a transaction amount, and a difference amount (fishing) are displayed. Here, if there is no particular problem, the customer presses the confirmation button.

  The ATM business application 101 receives a confirmation input from the customer (step S133), and causes the banknote unit 104 and the coin unit 105 to withdraw the difference (FIG. 29: step S135). Further, a DB update request (completion) including the serial number and the difference is transmitted to the accounting server 1501 (step S137). Upon receiving the DB update request (completion) including the serial number and the difference amount from the ATM 1005 (step S139), the account server 1501 adds the difference amount to the transaction amount to obtain a new transaction amount, sets the difference to 0, and the status “completed” Are registered in the transaction management DB 1502 corresponding to the serial number (step S141). When step S141 is executed, data as shown in FIG. 30 is registered in the transaction management DB 1502. The difference from FIG. 27 is that the transaction amount, the difference amount, and the status are different.

  Then, the ATM business application 101 transmits the transaction result (normal) to the ATM 1005 (step S143). The ATM business application 101 of the ATM 1005 receives the transaction result (normal) from the account server 1501 (step S145), and displays the transaction menu on the display device (step S147).

  By such a process, even when it becomes necessary to withdraw the difference, the bank clerk can appropriately withdraw the difference without touching the cash.

(1-2) Large deposit processing using ATM The large deposit processing using UBT has been described above, but it is also possible to perform the deposit processing by the customer directly operating the ATM 1002 or the like without any staff doing anything. . Since the processing of the recycle cashier 1009 is the same, the description thereof is omitted.

  After completing the large deposit to the recycle cashier 1009 and receiving the receipt slip, the customer moves to the place where the ATM 1002 is installed.

  The ATM 1002 displays a transaction menu as shown in FIG. 25 (step S151). Here, it is assumed that the customer presses the RC cooperation button. The ATM business application 101 of the ATM 1002 receives an RC cooperation instruction from the customer (step S153), and displays a transaction confirmation screen as shown in FIG. 26 (step S155).

  The customer enters the ATM 1002 with the receipt number of the receipt slip and the password entered with the recycle cashier 1009. The ATM business application 101 of the ATM 1002 accepts input of a receipt number (serial number) and password from the customer (step S157), and sends a search request including the receipt number (serial number), password, and terminal type information (ATM) of the ATM 1002 to the accounting server. 1501 (step S159).

  The accounting server 1501 receives a search request including an acceptance number (serial number), a password, and terminal type information (ATM) of the ATM 1002 from the ATM 1002 (step S161). Then, the transaction management DB 1502 is searched for the reception number (serial number) included in the search request, and the password registered correspondingly is read. Then, the password is checked by comparing the received password with the read password (step S163). In the case of terminal type information (ATM), a password check is always required. On the other hand, if the terminal type information is UBT, the password check is unnecessary. If the password check is not successful (step S165: No route), the ATM 1002 is notified of the verification failure. The business application 101 of the ATM 1002 receives the verification failure from the account server 1501 and indicates the verification failure to the display device (step S167). Then, the process returns to step S157.

  On the other hand, when the password check is successful (step S165: Yes route), the account server 1501 reads the amount of the original funds registered in the transaction management DB 1502 corresponding to the received receipt number (serial number), and receives the status “acquiring (Step S169). Before this step, the transaction management DB 1502 stores data as shown in FIG. 9, and by this step, the transaction management DB 1502 stores data as shown in FIG. At this stage, since the difference amount and the transaction amount are not registered, only the original fund amount is read out. Then, the read amount of original funds is returned to the ATM 1002 (step S171).

  The ATM business application 101 of the ATM 1002 receives the amount of the original funds from the account server 1501 (step S173), displays the resource setting screen, and sets the amount of the original funds in the amount of original funds counter (step S175). For example, a screen as shown in FIG. 32 is displayed. In the example of FIG. 32, a reception number (serial number) and an RC deposit amount (original fund amount) are displayed. If the amount deposited in the recycle cashier 1009 is correct, the confirmation key is depressed. The processing shifts to the processing in FIG.

  Shifting to the processing of FIG. 33, the ATM business application 101 receives a confirmation instruction from the customer, and displays a menu screen in response thereto (step S177). This is the same as FIG. When the customer depresses the deposit button, the ATM business application 101 accepts a deposit instruction (step S179) and displays a deposit screen including the amount of original funds (step S181). For example, a screen as shown in FIG. 34 is displayed. In the example of FIG. 34, an account number display field (not displayed at this stage) and a transaction amount input field are displayed. This screen prompts the user to insert a passbook, and the customer inserts the passbook into the ATM 1002. The ATM 1002 accepts insertion of a passbook (step S183). Further, according to FIG. 34, the customer is prompted to input a deposit amount (that is, a transaction amount), and the customer inputs the deposit amount to the ATM 1002. The ATM business application 101 of the ATM 1002 receives an input of the deposit amount from the customer (step S185), and determines whether the amount of the original funds ≧ the deposit amount (step S187).

  If the amount of original funds is smaller than the amount of money received, it is inappropriate, and an error is displayed and the process returns to step S185 (step S189). On the other hand, if the amount of the original funds is equal to or greater than the deposit amount, the ATM business application 101 causes the passbook processing unit 103 to read the inserted passbook and displays the read account number on the display device (step S191). For example, a screen as shown in FIG. 35 is displayed. In the screen example of FIG. 35, the account number read from the passbook and the transaction amount (payment amount) input by the customer are displayed.

  When the customer depresses the confirmation key, the ATM business application 101 receives the confirmation instruction, and in response to this, requests the account host 1200 for a deposit process including the account number and the deposit amount (step S193). Since the processing of the accounting host 1200 is the same as the conventional processing, it will not be described further here. The account host 1200 returns the processing result (normal or abnormal) to the ATM 1002.

  The ATM business application 101 of the ATM 1002 receives the processing result from the account host 1200 and determines whether or not the processing has been completed normally (step S195). If any abnormality has occurred, an error is displayed (step S194), the process returns to step S193, and the process is performed again.

  On the other hand, if the processing of the accounting host 1200 is completed normally, the ATM business application 101 of the ATM 1002 displays the transaction completion on the display device, and causes the passbook processing unit 103 to print the deposit data on the passbook ( Step S197). Then, the value of the original funds amount counter is updated as (original funds amount−transaction amount) (step S199). The processing shifts to the processing in FIG.

  Then, the ATM business application 101 displays a resource setting / cancellation screen including the account number, the amount of the underlying funds, the amount of money received (transaction amount), and the difference (step S201). For example, a screen as shown in FIG. 37 is displayed. Here, since the deposit amount = the original fund amount, the difference = 0. If there is a difference and an additional transaction is made, the customer pushes the additional button. When the difference does not exist or when the difference exists but the difference is withdrawn, the additional no button is pushed down on the screen as shown in FIG.

  The ATM business application 101 receives an instruction with or without addition, and determines whether an additional transaction instruction has been received (step S203). If an additional transaction instruction is accepted, the process returns to step S177 in FIG. On the other hand, if an instruction for no addition is received, it is determined whether the difference is 0 (step S205). If the difference is not 0, the processing shifts to the processing in FIG. On the other hand, if the difference is 0, a DB update request including the serial number, account number, transaction amount, and difference (= 0) is transmitted to the account server 1501 (step S207).

  The account server 1501 receives a DB update request including a serial number, an account number, a transaction amount, and a difference from the ATM 1002 (step S209), and corresponds to the serial number, an account number, a transaction amount, a difference (= 0), and a status. “Done” is registered in the transaction management DB 1502 (step S211). Since the difference is 0, the status is “completed”. As data registered in the transaction management DB 1502, for example, data as shown in FIG. 20 is registered.

  Then, the billing server 1501 transmits the processing result (normal) to the ATM 1002 (Step S213). The ATM business application 101 of the ATM 1002 receives the processing result (normal) (step S215), clears the internal underlying funds amount counter to 0 (step S217), and displays the transaction menu on the display device (step S219).

  In this way, a large deposit process can be carried out without involvement of a bank clerk.

  Next, the processing after the terminal I will be described with reference to FIG. The ATM business application 101 of the ATM 1002 displays, for example, a transaction confirmation screen as shown in FIG. 28 on the display device (step S221). The customer confirms the contents and presses down the confirmation button. The ATM business application 101 receives a confirmation instruction from the customer, and in response to this, causes the banknote unit 104 and the coin unit 105 to withdraw the difference (step S223). Further, a DB update request (completion) including the serial number and the difference is transmitted to the accounting server 1501 (step S225). When the account server 1501 receives a DB update request (completion) including the serial number and the difference from the ATM 1002 (step S227), the difference is added to the transaction amount to obtain a new transaction amount, the difference amount is set to 0, and the status “completed” Are registered in the transaction management DB 1502 corresponding to the serial number (step S229). When step S229 is executed, data as shown in FIG. 30 is registered in the transaction management DB 1502.

  Then, the ATM business application 101 transmits the transaction result (normal) to the ATM 1002 (step S231). The ATM business application 101 of the ATM 1002 receives the transaction result (normal) from the account server 1501 (step S233), clears the value of the original funds amount counter to 0 (step S235), and displays the transaction menu on the display device (step S235). Step S237).

  By such processing, even when the withdrawal of the difference becomes necessary, the customer can make the difference withdrawal appropriately by operating the ATM 1002 as it is.

(2) Large withdrawal process (2-1) Immediate withdrawal process For example, a bank employee is requested to make a large withdrawal from the customer at the agency counter 1007, and the UBT 1008 immediately withdraws from the recycling cashier 1009 adjacent to the UBT 1008. Processing for handing over the designated amount to the customer will be described with reference to FIGS. In this embodiment, it is necessary to fill in a payment slip including the withdrawal amount.

  First, the bank employee causes the OCR 202 and the passbook processing unit 204 of the UBT 1008 to insert and read the passbook and payment slip received from the customer (FIG. 39: step S241). The OCR 202 recognizes the transaction name “withdrawal” and the withdrawal amount from the passbook and payment slip. Here, it is assumed that the verification of the seal is already completed. Further, the passbook processing unit 204 reads the account number from the magnetic stripe.

  The UBT business application 201 of the UBT 1008 displays a withdrawal screen including the account number and the withdrawal amount on the display device from the recognition result in step S241 (step S243). For example, a withdrawal screen as shown in FIG. 40 is displayed. In the example of FIG. 40, an account number and a withdrawal amount are included.

  The bank clerk confirms the withdrawal screen and presses the “complete key”. The UBT business application 201 of the UBT 1008 receives a completion instruction from the bank employee, and in response to this, transmits a host ledger update request including an account number and a withdrawal amount to the account host 1200 (step S245). The account host 1200 receives the host ledger update request including the account number and the withdrawal amount, and executes the host ledger update processing related to withdrawal as in the conventional case. Then, the processing result is transmitted to the UBT 1008. The ledger in the account host 1200 is updated before withdrawing cash (cash).

  The UBT business application 201 of the UBT 1008 determines whether the processing of the account host 1200 has been completed normally from the received processing result (step S247). If the processing of the accounting host 1200 ends abnormally, the process returns to step S245. If the processing of the accounting host 1200 is completed normally, a payment breakdown screen is displayed on the display device (step S249). For example, a screen as shown in FIG. 41 is displayed. In the example of FIG. 41, a display column for the withdrawal amount, an input column for the number of small bundles (ten thousand bills), and an input column for the number of small bundles (thousand-yen bills) are provided.

  The bank employee inputs the number of bundles for the required denomination on the screen as shown in FIG. The UBT business application 201 of the UBT 1008 accepts the input of the number of bundles for the required denomination (step S251), and issues a withdrawal request including the withdrawal amount, the denomination / bundle number, and terminal type information (UBT agency) to the accounting server 1501. (Step S253).

  When the account server 1501 receives a withdrawal request including the account number, transaction name, withdrawal amount, denomination / bundle number and terminal type information (UBT agency) from the UBT 1008 (step S255), a life / death monitoring signal is first sent. The data is output to the recycle cashier 1009 (step S257). The RC application 303 of the recycle cashier 1009 receives a life / death monitoring signal and performs a normal activation check process that is a process for confirming whether or not the activation is normally performed (step S259). The RC application 303 transmits the check result of the normal activation check process to the billing server 1501 (step S261). The billing server 1501 receives the check result from the recycle cashier 1009 (step S263), and determines whether it is normally activated (step S265). In the case of normal startup, the process proceeds to the process of FIG. On the other hand, if not normally activated, an error notification is transmitted to the UBT 1008 (step S267). The UBT business application 201 of the UBT 1008 receives the error notification from the account server 1501 and displays it on the display device (step S269). For example, a screen as shown in FIG. 42 is displayed. In the example of FIG. 42, a message such as “An error has occurred in the RC machine. Please continue processing with subsequent withdrawal after loading the cassette” is displayed at the bottom of the payment breakdown screen shown in FIG. . The processing shifts to the processing in FIG.

  43, the account server 1501 issues a serial number, a serial number, an account number, a transaction name (withdrawal), an amount of original funds (= withdrawal amount), a transaction amount ( = Original fund amount), denomination / bundle number and status “unfinished” are registered in the transaction management DB 1502 (step S271). For example, data as shown in FIG. 44 is registered in the transaction management DB 1502. In the example of FIG. 44, a serial number “0001” is issued, and an account number, a transaction name, an amount of original funds, a transaction amount, a denomination / bundle number, and a status “unfinished” are registered corresponding to the serial number “0001”.

  The billing server 1501 transmits, for example, the issued serial number to the UBT 1008 for the following processing (step S273). The UBT business application 201 of the UBT 1008 receives the serial number from the account server 1501 and displays it on the display device (step S275). In this way, the bank clerk can later perform a withdrawal operation on the recycle cashier 1009 using the serial number. However, steps S273 and S275 are arbitrary.

  Next, the processing after the terminal J will be described with reference to FIGS. The billing server 1501 transmits an operation availability confirmation to the recycle cashier 1009 (step S277). The RC application 303 of the recycle cashier 1009 receives the operation availability confirmation from the accounting server 1501 (step S279), and confirms the operation availability for the withdrawal function or the withdrawal function (specifically, the small bundle unit 304, The bill unit 305 and the coin unit 306 are activated (step S281). Then, the processing result (normal) is transmitted to the accounting server 1501 (step S283). If the withdrawal function is not operational, a processing result (abnormal) may be returned. In that case, the accounting server 1501 executes steps S267, S269, and S271.

  When receiving the processing result (normal) from the recycle cashier 1009 (step S285), the billing server 1501 transmits a stock check request to the recycle cashier 1009 (step S287). The RC application 303 of the recycle cashier 1009 receives a stock amount check request from the account server 1501 (step S289), and performs a stock amount check on the stock management DB 302 (step S291). The cash management DB 302 stores data as shown in FIG. 46, for example. In the example of FIG. 46, the denomination, the number of current bundles, and the number of scheduled withdrawals are managed for each cassette. The RC application 303 reads data as shown in FIG. 46 from the cash management DB 302. And it transmits to account system server 1501 as stock data (step S293).

  When the account server 1501 receives the cash balance data from the recycle cashier 1009 (step S295), it issues a serial number, the serial number, the account number, the transaction name (withdrawal), the amount of original funds (withdrawal amount), the transaction amount ( = Original fund amount), denomination / bundle number, and status “unfinished” are registered in the transaction management DB 1502 (step S297).

  Then, the accounting server 1501 determines whether or not the denomination / bundle number related to the withdrawal can be covered by the stock amount (denomination / bundle number) (step S299). When the denomination / bundle number related to the withdrawal cannot be covered by the stock balance (denomination / bundle number), an error notification is transmitted to the UBT 1008. The amount in stock is determined by (the number of current bundles-the number of planned withdrawal bundles). The UBT business application 201 of the UBT 1008 receives the error notification from the account server 1501 and displays it on the display device (step S301). For example, a screen as shown in FIG. 47 is displayed. In the screen example of FIG. 47, a message “RC stock amount is insufficient. Please continue processing with subsequent withdrawal after loading the cassette” is displayed at the bottom of the screen shown in FIG. 41. . It is necessary to replenish cash because there is a shortage of cash. In order to make subsequent withdrawals, processing for the recycle cashier 1009 as described later is performed.

  On the other hand, if the denomination / bundle number related to withdrawal can be covered by the amount in stock, the account server 1501 recycles the withdrawal request bundle number registration request including the denomination / bundle number related to withdrawal. The data is transmitted to the cashier 1009 (step S303). The RC application 303 of the recycle cashier 1009 receives the withdrawal planned bundle number registration request including the denomination and bundle number related to withdrawal (step S305), and registers the scheduled withdrawal bundle number (step S307). Thereby, for example, data as shown in FIG. 48 is registered in the cash management DB 302. In the example of FIG. 48, the number of scheduled withdrawals 5 is registered corresponding to the cassette 0001 loaded with a small bundle of ten thousand bills. The processing shifts to the processing in FIG. 49 via terminals L and M.

  The RC application 303 of the recycle cashier 1009 transmits the processing result (normal) to the accounting server 1501 (step S309). When the accounting server 1501 receives the processing result (normal) from the recycle cashier 1009 (step S311), it determines whether the terminal type of the UBT 1008 is UBT agency (step S313). If the terminal type is not UBT agency, the processing shifts to the processing in FIG. If the terminal type is not UBT agency, the recycle cashier is arranged at a position away from the UBT, and there is a problem if the withdrawal is made immediately, so the withdrawal is made afterwards.

  The account server 1501 registers the status “requesting” in the transaction management DB 1502 corresponding to the serial number (step S315). Thereby, the transaction management DB 1502 stores data as shown in FIG. The difference from FIG. 44 is only the status portion. Then, a withdrawal request including the serial number and the denomination / bundle number is transmitted to the recycle cashier 1009 (step S317). The RC application 303 of the recycle cashier 1009 receives a withdrawal request including the serial number and the denomination / bundle number from the accounting server 1501 (step S319). At this time, processing such as confirmation of activation of the withdrawal function may be performed. Then, the RC application 303 causes the small bundle unit 304 or the like to perform a withdrawal process of the denomination / bundle number related to the withdrawal request (step S321). In this example, a small bundle of ten thousand bills is withdrawn from the five-bundle recycle cashier 1009. When the withdrawal is completed, the recycle cashier 1009 transmits the processing result (normal) to the accounting server 1501 (step S323). In addition, the banknote management DB 302 performs a banknote update process (step S327). As a result, data as shown in FIG. 51 is registered in the cash management DB 302. In the example of FIG. 51, the current bundle number of the cassette 0001 is registered as (current bundle number−scheduled withdrawal bundle number). In addition, the number of bundles to be withdrawn is subtracted by the number of bundles withdrawn.

  The accounting server 1501 receives the processing result (normal) from the recycle cashier 1009 (step S325), and determines whether or not the recycle cashier 1009 has completed the normal processing (step S329). In the case of abnormal termination for some reason, an abnormal message is transmitted to the UBT 1008. The UBT business application 201 of the UBT 1008 receives the abnormal message and displays it on the display device (step S331).

  Further, the accounting server 1501 registers the status “completed” in the transaction management DB 1502 corresponding to the serial number (step S333). Thereby, for example, data as shown in FIG. 52 is registered in the transaction management DB 1502. The difference from FIG. 50 is only the status portion. When the process is performed so far, the UBT 1008 is notified of the end of processing (step S335).

  When the UBT business application 201 of the UBT 1008 receives a processing end notification from the account server 1501, it displays it on the display device (step S337).

  In this way, when the recycle cashier 1009 is adjacent to the UBT 1008, it is possible to withdraw money immediately and quickly give the cash relating to the large withdrawal to the customer.

(2-2) Subsequent withdrawal process (instruction from remote UBT)
For example, if the recycle cashier 1009 is not provided and a large amount of money is withdrawn from the recycle cashier 1003, the recycle cashier will be placed at a position away from any UBT, so that the withdrawal is performed immediately. Problems arise. Therefore, a post-payment process is implemented.

  Specifically, the same processing as that for immediate withdrawal is performed, but since the terminal type information of the UBT 1008 is UBT quick, the process proceeds to the No route in step S313, and the processing after the terminal N is performed. That is, the status “Requesting” is registered in the transaction management DB 1502 corresponding to the serial number (FIG. 53: Step S339). For example, data as shown in FIG. 50 is registered in the transaction management DB 1502. Then, the billing server 1501 transmits a reservation completion notification including a serial number to the UBT 1008 (step S341).

  When the UBT 1008 receives the reservation completion notification including the serial number (step S343), the UBT 1008 performs the reservation completion display including the serial number (step S345). By presenting the serial number to the bank clerk, the recycle cashier 1009 can perform a search based on the serial number.

  The clerk then goes to the recycle cashier 1003 and operates the recycle cashier 1003. Then, the processing as shown in FIGS. 54 to 60 is performed. The clerk inserts a clerk card into the recycle cashier 1003 and causes the clerk's ID to be read. The card reading unit 308 of the recycle cashier 1003 reads the clerk card to identify the clerk ID, and the RC application 303 displays a user authentication screen on the display device (step S351). For example, a screen as shown in FIG. 55 is displayed. That is, it prompts the bank staff to enter a password. The clerk inputs the password on the screen as shown in FIG.

  The RC application 303 of the recycle cashier 1003 accepts the input of the password, searches the user management DB 309 using the employee ID, reads out the registered password, and performs an authentication process for comparing the input password and the registered password ( Step S353). If the authentication fails (step S355: No route), error display is performed on the display device (step S357), and the process returns to step S351. On the other hand, if the authentication is successful (step S355: Yes route), a search screen is displayed on the display device (step S359). For example, a screen as shown in FIG. 56 is displayed. In the example of FIG. 56, date, serial number, amount, and account number can be specified as search conditions. The clerk inputs the search condition on the screen of FIG.

  The RC application 303 of the recycle cashier 1003 accepts input of search conditions (step S361), and transmits a DB search request including the search conditions to the accounting server 1501 (step S363). The accounting server 1501 receives a DB search request including a search condition from the recycle cashier 1003, and performs a search on the transaction management DB 1502 (FIG. 57) according to the search condition (step S365). Then, the search result is transmitted to the recycle cashier 1003 (step S367). The RC application 303 of the recycle cashier 1003 receives the search result and displays it on the display device (step S369). For example, a screen as shown in FIG. 58 is displayed. In the example of FIG. 58, data stored in the transaction management DB 1502 shown in FIG. 57, a serial number input field to be processed, and a display column for instruction contents are provided. In this example, for example, if 1 is specified with the numeric keypad, a withdrawal is performed, if 2 is specified, a detailed inquiry is performed, and if 9 is specified, cancellation is performed. Here, the bank employee instructs the withdrawal of serial numbers 0001 and “1”.

  Then, the RC application 303 of the recycle cashier 1003 accepts a serial number and withdrawal instruction input (step S371), and issues a withdrawal request including the designated serial number and the denomination / bundle number corresponding to the serial number to the accounting server 1501. (Step S373). The accounting server 1501 receives the withdrawal request including the serial number and the denomination / bundle number from the recycle cashier 1003 (step S375), and registers the status “Requesting” corresponding to the serial number in the transaction management DB 1502 (step S377). . It should be noted that step S377 is unnecessary if it has already undergone step S399 and is “requesting”. However, it does not necessarily go through step S339. For example, data as shown in FIG. 59 is registered in the transaction management DB 1502. The difference from FIG. 57 is only the status portion. Then, the processing result (normal) is transmitted to the recycle cashier 1003 (step S379).

  The RC application 303 of the recycle cashier 1003 receives the processing result (normal) (step S381). And it transfers to the process of FIG. Note that the processing of the accounting server 1501 may end abnormally, but in this case, the processing returns to the search screen without performing the following processing.

  Moving to the explanation of the processing in FIG. 60, the RC application 303 of the recycle cashier 1003 checks the operation of the withdrawal function (step S383). If necessary, restart the withdrawal function. Then, the small bundle unit 304 is withdrawn with the denomination / bundle corresponding to the instructed serial number (step S385). The clerk takes out a small bundle at the cash outlet. Then, the RC application 303 of the recycle cashier 1003 updates the stock management DB 302 (step S387). Specifically, (current bundle number−scheduled withdrawal bundle number) is registered as the current bundle number, and (scheduled withdrawal bundle number−output bundle number) is registered as the scheduled withdrawal number. When such processing is executed, data as shown in FIG. 51 is registered in the cash management DB 302. Further, a withdrawal completion notice including a serial number is transmitted to the accounting server 1501 (step S389).

  Upon receipt of the withdrawal completion notification including the serial number from the recycle cashier 1003 (step S391), the billing server 1501 registers the status “completed” in the transaction management DB 1502 corresponding to the serial number (step S393). For example, data as shown in FIG. 52 is registered in the transaction management DB 1502. Further, the processing result (normal) is transmitted to the recycle cashier 1003 (step S395). The recycle cashier 1003 receives the processing result (normal) from the accounting server 1501 (step S397), and displays the search screen (FIG. 56) on the display device again (step S399).

  By carrying out such a process, a clerk can take out a small bundle related to large withdrawals from the recycle cashier 1003 at an appropriate timing.

(2-3) When a withdrawal instruction is issued from an ATM In the processing described above, a large withdrawal is instructed on the bank side, but in this embodiment, a customer operates the ATM 1002 to make a large withdrawal. It is also possible to give money. This will be described below with reference to FIGS.

  The ATM 1002 displays a transaction menu as shown in FIG. 25 (step S401). Here, the customer depresses the withdrawal button, and the ATM business application 101 of the ATM 1002 accepts the withdrawal instruction and prompts the customer to insert a card and a passbook. The customer then inserts the card and bankbook into the ATM 1002. The passbook processing unit 103 and the card processing unit 102 of the ATM 1002 accept insertion of a card and a passbook (step S403), and perform a card and passbook reading process (step S405). As a result, the account number data is acquired. Then, the withdrawal screen is displayed on the display device (step S407). For example, a screen as shown in FIG. 62 is displayed. In the example of FIG. 62, an account number display field and a password and withdrawal amount input field are provided. The customer enters the password in the password input field and enters the withdrawal amount in the withdrawal amount input field.

  The ATM business application 101 of the ATM 1002 receives the input of the password and the withdrawal amount (step S409), and transmits the ledger update data including the account number, the password, and the withdrawal amount to the account host 1200 (step S411). The account host 1200 receives the ledger update data including the account number, password, and withdrawal amount from the ATM 1002, and performs the same ledger update processing as before using the ledger update data. Then, the processing result is transmitted to the ATM 1002. If the password is incorrect or the balance is insufficient, it is determined as abnormal, and if the password is correct and the balance is sufficient, it is determined as normal.

  The ATM business application 101 of the ATM 1002 receives the processing result from the accounting host 1200 and determines whether the processing of the accounting host 1200 has been completed normally (step S413). If it is determined that there is an abnormality, error display is performed on the display device (step S415). Then, the process returns to step S409.

  On the other hand, if it is determined to be normal, it is determined whether the withdrawal amount exceeds 2 million yen (step S417). If the withdrawal amount is 2 million yen or less, it can be processed by the ATM 1002 alone as in the conventional case, and therefore will not be further described (step S419). If the withdrawal amount exceeds 2 million yen, the passbook processing unit 103 records the withdrawal amount in the passbook (step S421). Further, the ATM business application 101 of the ATM 1002 displays a screen as shown in FIG. 41 on the display device (step S423). Here, the customer inputs the number of bundles of necessary denominations. It is not possible to specify the denomination or number of bundles that will exceed the withdrawal amount. The ATM business application 101 of the ATM 1002 accepts the input of denomination / bundle number (step S425). Then, the processing shifts to the processing in FIG.

  63, the ATM business application 101 of the ATM 1002 issues a withdrawal request including an account number, transaction name (withdrawal), transaction amount, denomination / bundle number, and terminal type information (ATM). And transmitted to the accounting server 1501 (step S427). The accounting server 1501 receives a withdrawal request including an account number, transaction name (withdrawal), transaction amount, denomination / bundle number, and terminal type information (ATM) (step S429), and monitors whether the recycle cashier 1003 is alive or dead. A request is transmitted (step S431).

  When the RC application 303 of the recycle cashier 1003 receives a life / death monitoring request from the accounting server 1501, it performs a check process (step S433). In the check process, it is confirmed whether there is any abnormal state. Then, the result of the check process is returned to the billing server 1501 (step S435). The accounting server 1501 receives the processing result from the recycle cashier 1003 (step S437), and determines whether the recycle cashier 1003 is normal (step S439). If it is normal, the processing shifts to the processing in FIG. On the other hand, if it is abnormal, an error notification is transmitted to the ATM 1002 (step S441). The ATM business application 101 of the ATM 1002 receives the error notification from the account server 1501 and displays it on the display device (step S443). For example, a screen as shown in FIG. 64 is displayed. That is, a message such as “An abnormality has occurred in the RC machine. Please call a staff member” is displayed at the bottom of FIG. The customer will call a staff member in the lobby of the sales office.

  On the other hand, the account server 1501 issues a serial number, and registers the account number, transaction name (withdrawal), transaction amount, denomination / bundle number, and status “unfinished” in the transaction management DB 1502 (step S445).

  In this way, even when an abnormality has occurred in the recycle cashier 1003, it is possible to appropriately withdraw money later according to the record registered in the transaction management DB 302 by the account server 1501.

  Next, processing after the terminal R will be described with reference to FIGS. The billing server 1501 transmits an operation availability confirmation to the recycle cashier 1009 (step S447). The RC application 303 of the recycle cashier 1003 receives the operation availability confirmation from the accounting server 1501 (step S449), and confirms the operation availability for the withdrawal function or the withdrawal function (specifically, the small bundle unit 304, The bill unit 305 and the coin unit 306 are activated (step S451). Then, the processing result (normal) is transmitted to the accounting server 1501 (step S453). If the withdrawal function cannot be operated, a processing result (abnormal) may be returned. In that case, the billing server 1501 executes steps S441 and S443.

  When receiving the processing result (normal) from the recycle cashier 1003 (step S455), the billing server 1501 transmits a stock check request to the recycle cashier 1003 (step S457). The RC application 303 of the recycle cashier 1003 receives a stock amount check request from the account server 1501 (step S459), and performs a stock amount check on the stock management DB 302 (step S461). The cash management DB 302 stores data as shown in FIG. 46, for example. The RC application 303 reads data as shown in FIG. 46 from the cash management DB 302. And it transmits to account system server 1501 as stock data (step S463).

  When the account server 1501 receives the cash balance data from the recycle cashier 1003 (step S465), it issues a serial number, and the serial number, account number, transaction name (withdrawal), amount of original funds (withdrawal amount), transaction amount ( = Original funds amount), denomination / bundle number, and status “unfinished” are registered in the transaction management DB 1502 (step S467).

  Then, the accounting server 1501 determines whether or not the denomination / bundle number related to the withdrawal can be covered by the stock amount (denomination / bundle number) (step S469). If the denomination / bundle number associated with the withdrawal cannot be covered by the stock balance (denomination / bundle number), an error notification is transmitted to the ATM 1002 (step S471). The amount in stock is determined by (the number of current bundles-the number of planned withdrawal bundles). The ATM business application 101 of the ATM 1002 receives the error notification from the account server 1501 and displays it on the display device (step S473). For example, a screen as shown in FIG. 66 is displayed. In the screen example of FIG. 66, a message “RC stock amount is insufficient. Please call a staff member” is displayed at the bottom of the screen shown in FIG. 41. The customer will call a staff member in the lobby of the sales office. On the other hand, when the denomination and the number of bundles related to withdrawal can be covered by the amount in stock, the processing shifts to the processing in FIG.

  Moving to the explanation of the processing in FIG. 67, the accounting server 1501 transmits a withdrawal withdrawal bundle number registration request including the denomination / bundle number relating to withdrawal to the recycling cashier 1003 (step S475). The RC application 303 of the recycle cashier 1003 receives the withdrawal planned bundle number registration request including the denomination / bundle number related to withdrawal (step S477), and updates and registers the scheduled withdrawal bundle number (step S479). Thereby, for example, data as shown in FIG. 48 is registered in the cash management DB 302.

  The RC application 303 of the recycle cashier 1003 transmits the processing result (normal) to the accounting server 1501 (step S481). When receiving the processing result (normal) from the recycle cashier 1003 (step S483), the accounting server 1501 determines whether the terminal type of the UBT 1008 is UBT agency (step S485). If the terminal type is UBT agency, the process proceeds to step S313 in FIG. If the terminal type is not UBT agency, the status “Requesting” is registered in the transaction management DB 302 corresponding to the serial number (step S487). Then, the processing result including the serial number (normal) is transmitted to the ATM 1002 (step S489).

  The ATM business application 101 of the ATM 1002 receives the processing result (normal) including the serial number from the account server 1501 (step S491), displays the processing end on the display screen, and uses the receipt slip printing unit 107 to determine the serial number and account number. A receipt slip including the above is printed and output (step S493). The card processing unit 102 discharges the card, and the passbook processing unit 103 discharges the passbook.

  The customer goes to the agency counter 1007 with the deposit slip and asks the bank employee to pick up cash from the recycling cashier 1003. As described above, the bank clerk operates the recycle cashier 1003 to take out cash from the recycle cashier 1003.

  In this way, by coordinating ATMs, UBTs, account servers, etc., and reducing the chances of bankers touching cash, it is possible to reduce the office work of bankers and to allocate resources to other tasks. It becomes like this.

  Although one embodiment of the present invention has been described above, the present invention is not limited to this. For example, the arrangement of devices in a sales office is not limited to that shown in FIG. 1, and other arrangements may be adopted.

  The functional block diagrams shown in FIGS. 3 to 5 are examples, and do not necessarily correspond to the modules and program modules of the apparatus. Further, the network configuration shown in FIG. 2 is not limited to this.

  Furthermore, the screen examples described above are all examples and are not limited thereto. The transaction management DB 1502 may also be managed separately for withdrawal and payment.

  In addition, when a plurality of recycling cashiers are installed in the sales office, the recycling cashier closest to the UBT as the withdrawal request source may be specified so that the withdrawal can be made as soon as possible.

  In the recycle cashier, the log DB 301 records operation logs of employees and customers, and the transaction management DB 1501 also records transaction records. Therefore, fraud can be prevented using these data.

  Furthermore, by checking the transaction management DB 1501 at the end of business, for example, it is possible to confirm whether or not the procedure is interrupted in the middle by checking whether there is a transaction that does not have the status “completed”.

  Also, the processing based on 2 million yen need not be 2 million yen. If the ATM can handle a larger amount of money at a time, an amount exceeding 2 million yen may be set, and if only a smaller amount can be handled, a smaller amount is set.

  Further, the computers such as the accounting server 1501, UBTs 1006, 1008, and 1010 are computer devices as shown in FIG. 68, and include a memory 2501 (storage device), a CPU 2503 (processing device), a hard disk drive (HDD) 2505, and the like. A display control unit 2507 connected to the display device 2509, a drive device 2513 for a removable disk 2511, an input device 2515, and a communication control unit 2517 for connecting to a network are connected by a bus 2519. An operating system (OS: Operating System) and an application program for performing processing in the present embodiment are stored in the HDD 2505, and are read from the HDD 2505 to the memory 2501 when executed by the CPU 2503. If necessary, the CPU 2503 controls the display control unit 2507, the communication control unit 2517, and the drive device 2513 to perform necessary operations. Further, data in the middle of processing is stored in the memory 2501 and stored in the HDD 2505 if necessary. In the embodiment of the present invention, an application program for performing the processing described above is stored in the removable disk 2511 and distributed, and is installed in the HDD 2505 from the drive device 2513. In some cases, the HDD 2505 may be installed via a network such as the Internet and the communication control unit 2517. Such a computer apparatus realizes various functions as described above by organically cooperating hardware such as the CPU 2503 and the memory 2501 described above, the OS, and necessary application programs.

(Appendix 1)
A method of controlling a cash handling device that bundles cash every predetermined number and holds it as a small bundle,
Requesting a withdrawal of a small bundle from the cash handling device and receiving a withdrawal request including terminal type information from the terminal; and
A first determination step of determining whether the cash handling device can withdraw a small bundle related to the withdrawal request;
A second determination step of determining whether the terminal type information included in the withdrawal request indicates that the cash handling device is arranged adjacent to the requesting terminal of the withdrawal request;
If a positive determination is made in the first and second determination steps, instructing the cash handling device to withdraw a small bundle related to the withdrawal request;
Control method.

(Appendix 2)
The first determination step includes
Confirming the amount of money in the cash handling device at the present time;
A cash-holding step for determining whether the withdrawal request can be satisfied by the money-payment of the small bundle;
The control method according to appendix 1, including:

(Appendix 3)
The first determination step includes
The method according to claim 2, further comprising the step of: registering the number of scheduled withdrawals related to the withdrawal request in the cash handling device when it is determined that the withdrawal request can be met by the amount of the small bundle. Control method.

(Appendix 4)
The hiking step is
The control method according to supplementary note 3, including the step of grasping the amount of the small bundle in consideration of the number of bundles to be withdrawn at the current time.

(Appendix 5)
In response to the withdrawal request, a record including identification information of the withdrawal request, a small bundle data related to the withdrawal request, and status data indicating that the withdrawal is incomplete is generated in the transaction management database. Registering, and
When the completion of withdrawal including the withdrawal request identification information is notified from the cash handling device, the status data corresponding to the withdrawal request identification information is changed to represent withdrawal completion in the transaction management database. And steps to
The control method according to appendix 1, further comprising:

(Appendix 6)
The control method according to appendix 1, further comprising a step of transmitting an error notification to the requesting terminal of the withdrawal request when a negative judgment is made in the first judgment step.

(Appendix 7)
The control method according to supplementary note 3, further comprising a step of notifying the withdrawal request requesting terminal of the withdrawal request completion when a negative judgment is made in the second judging step.

(Appendix 8)
If a negative determination is made in the second determination step and the terminal requesting the withdrawal request is a terminal operated by a depositor, a form indicating that the withdrawal request has been made to the terminal The control method according to appendix 1, further comprising a step of outputting.

(Appendix 9)
When a search request for the transaction management database is received from the cash handling device, a corresponding record is extracted from the transaction management database by a server that manages the transaction management database, and transmitted to the cash handling device;
In the cash handling device, identifying a withdrawal request to be processed based on the corresponding record extracted from the transaction management database, and withdrawing a small bundle related to the identified withdrawal request;

In the cash handling device, updating the cash balance data according to the withdrawal,
From the cash handling device, notifying the server of completion of withdrawal including identification information of the identified withdrawal request;
The control method according to appendix 5, further comprising:

(Appendix 10)
A program for causing a computer to execute the control method according to any one of appendices 1 to 8.

(Appendix 11)
The amount of cash received by a customer at a cash handling device and counted without specifying the customer's account number is registered in the transaction management database as the amount of original funds corresponding to the payment identification information different from the account number 1 registration step;
Updating the host ledger using the customer account number specified in a terminal different from the cash handling device and the transaction amount equal to or less than the amount of the original funds;
A second registration step of registering the account number of the customer and a transaction amount equal to or less than the amount of the original funds in the transaction management database corresponding to the payment identification information;
A deposit management method executed by a computer.

(Appendix 12)
Registering the amount of the difference in the transaction management database corresponding to the deposit identification information when the terminal is instructed to complete the transaction, although the difference between the amount of the original funds and the amount of the transaction is not zero;
When the payment identification of the difference is instructed by specifying the deposit identification information at a terminal capable of withdrawing cash, the step of withdrawing the difference at the terminal capable of withdrawing cash; and
When the withdrawal of the difference is completed at the terminal capable of withdrawing the cash, the amount of the difference corresponding to the deposit identification information is set to 0 in the transaction management database, and the transaction amount is set to the same amount as the original fund amount. A step to update,
The deposit management method according to appendix 11, further comprising:

(Appendix 13)
In the ATM, which is the other terminal, the method further includes a step of withdrawing the difference when the difference between the amount of the original funds and the transaction amount is not 0 but the balance adjustment is instructed.
The deposit management method according to claim 11, wherein when the withdrawal of the difference is completed in the ATM, the second registration step is executed with the transaction amount equal to the original fund amount.

(Appendix 14)
In the first registration step, a password input by the customer corresponding to the payment identification information is registered in the transaction management database,
In the ATM, which is the other terminal, prompting the input of the deposit identification information and the password, and performing an authentication process using a pair of the deposit identification information and the password registered in the transaction management database. The deposit management method according to appendix 13, further including:

(Appendix 15)
An apparatus for controlling a cash handling device that bundles cash into a predetermined number and holds it as a small bundle,
Means for requesting withdrawal of a small bundle from the cash handling device and receiving a withdrawal request including terminal type information from the terminal;
First determination means for determining whether the cash handling device can withdraw a small bundle related to the withdrawal request;
A second determination means for determining whether the terminal type information included in the withdrawal request indicates that the cash handling device is arranged adjacent to a terminal requesting the withdrawal request;
If a positive determination is made by the first and second determination means, means for instructing the cash handling device to withdraw a small bundle related to the withdrawal request;
Control device.

(Appendix 16)
A cash handling device that bundles cash into a predetermined number and holds it as a small bundle;
A control device;
A terminal device;
Have
The controller is
Means for requesting withdrawal of a small bundle from the cash handling device and receiving a withdrawal request including terminal type information from the terminal;
First determination means for determining whether the cash handling device can withdraw a small bundle related to the withdrawal request;
A second determination means for determining whether the terminal type information included in the withdrawal request indicates that the cash handling device is arranged adjacent to a terminal requesting the withdrawal request;
If a positive determination is made by the first and second determination means, means for instructing the cash handling device to withdraw a small bundle related to the withdrawal request;
Having cash withdrawal system.

(Appendix 17)
A cash handling device for counting cash deposited by a customer without specifying the account number of the customer;
A terminal different from the cash handling device;
An account server for managing the transaction management database;
Have
The billing server is
A first registration means for registering in the transaction management database corresponding to the payment identification information different from the account number as the amount of money received specified in the cash handling device;
After the host ledger update process using the customer account number specified in the terminal and the transaction amount equal to or less than the original fund amount, the customer account number and the transaction amount equal to or less than the original fund amount are converted into the deposit identification information. Corresponding to the second registration means for registering in the transaction management database,
Having a deposit processing system.

It is a figure which shows the example of a layout of the bank shop in embodiment of this invention. It is a figure which shows the system configuration example of the bank shop in embodiment of this invention. It is a functional block diagram of ATM in embodiment of this invention. It is a functional block diagram of UBT in an embodiment of the invention. It is a functional block diagram of the recycle cashier in the embodiment of the present invention. It is a figure which shows the processing flow (1st part) of a large deposit. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows an example of a transaction content confirmation screen. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows an example of a receipt slip. It is a figure which shows an example of a transaction journal. It is a figure which shows the processing flow (2nd part) of large deposit payment. It is a figure which shows an example of a resource setting screen. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows an example of a resource setting screen. It is a figure which shows an example of a payment screen. It is a figure which shows the processing flow (3rd part) of a large deposit. It is a figure which shows an example of a resource setting / cancellation | release screen. It is a figure which shows the processing flow (4th part) of a large deposit. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows an example of a resource setting / cancellation | release screen. It is a figure which shows the processing flow (5th part) of large deposit payment. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows the processing flow (6th part) of large deposit payment. It is a figure which shows an example of a transaction menu screen. It is a figure which shows an example of a transaction confirmation screen. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows an example of a transaction confirmation screen. It is a figure which shows the processing flow (7th part) of large deposit payment. It is a figure which shows the example of data stored in transaction management DB. It is a figure which shows the processing flow (8th part) of large deposit payment. It is a figure which shows an example of a resource setting screen. It is a figure which shows the processing flow (9th part) of large deposit payment. It is a figure which shows an example of a payment screen. It is a figure which shows an example of a payment screen. It is a figure which shows the processing flow (10th part) of a large deposit. It is a figure which shows an example of a resource setting / cancellation | release screen. It is a figure which shows the processing flow (11th part) of a large deposit. It is a figure which shows the processing flow (1st part) of large withdrawals. It is a figure which shows an example of a payment screen. It is a figure which shows an example of a payment breakdown screen. It is a figure which shows an example of a payment breakdown screen. It is a figure which shows the processing flow (2nd part) of large withdrawals. It is a figure which shows an example of the data stored in transaction management DB. It is a figure which shows the processing flow (3rd part) of large withdrawals. It is a figure which shows an example of the data stored in cash management DB. It is a figure which shows an example of a payment breakdown screen. It is a figure which shows an example of the data stored in cash management DB. It is a figure which shows the processing flow (4th part) of large withdrawals. It is a figure which shows an example of the data stored in transaction management DB. It is a figure which shows an example of the data stored in cash management DB. It is a figure which shows an example of the data stored in transaction management DB. It is a figure which shows the processing flow (5th part) of large withdrawals. It is a figure which shows the processing flow (6th part) of large amount payment. It is a figure which shows an example of a user authentication screen. It is a figure which shows an example of a search screen. It is a figure which shows an example of the data stored in transaction management DB. It is a figure which shows an example of a search result screen. It is a figure which shows an example of the data stored in transaction management DB. It is a figure which shows the processing flow (7th part) of large withdrawals. It is a figure which shows the processing flow (8th part) of large amount withdrawal. It is a figure which shows an example of a payment screen. It is a figure which shows the processing flow (9th part) of large withdrawals. It is a figure which shows an example of a payment breakdown screen. It is a figure which shows the processing flow (10th part) of large withdrawals. It is a figure which shows an example of a payment breakdown screen. It is a figure which shows the processing flow (11th part) of a large amount payment. It is a functional block diagram of a computer.

Explanation of symbols

1101, 1102 Network 1200 Account host 1003, 1009 Recycle cashier 1002, 1005 ATM
1008, 1006, 1011 UBT
1501 Account Server 1502 Transaction Management DB

Claims (4)

A first type terminal that is operated by a store clerk and transmits a withdrawal request that includes first terminal type information, and a second type that is operated by a depositor and transmits a withdrawal request that includes second terminal type information. A method of controlling a cash handling device that is connected to a terminal of a type via a network and holds cash as a small bundle by bundling cash every predetermined number of sheets,
Requesting a withdrawal of a small bundle from the cash handling device and receiving a withdrawal request including the first or second terminal type information from the first or second type terminal;
Confirming the amount of money in the cash handling device at the present time;
A first determination step of determining whether the withdrawal request can be satisfied according to the amount of the small bundle;
The terminal type information included in the withdrawal request indicates that the terminal requesting the withdrawal request is the first type terminal and the cash handling device is adjacent to the terminal requesting the withdrawal request. A second determination step of determining whether or not it represents being performed using arrangement information included in the terminal type information ;
If a positive determination is made in the first and second determination steps, instructing the cash handling device to withdraw a small bundle related to the withdrawal request;
Control method. 2. The control method according to claim 1, further comprising a step of transmitting an error notification to a terminal requesting the withdrawal request when a negative judgment is made in the first judgment step. Wherein when requesting terminal of negative determination is made and the payment request in the second determination step is a terminal of the second type, the withdrawal request is made to the second type of terminal The control method according to claim 1, further comprising a step of outputting a form representing that. A first type terminal that is operated by a store clerk and transmits a withdrawal request that includes first terminal type information, and a second type that is operated by a depositor and transmits a withdrawal request that includes second terminal type information. An apparatus for controlling a cash handling device that is connected to a terminal of a type via a network and holds cash as a small bundle by bundling a predetermined number of sheets,
Means for requesting a withdrawal of a small bundle from the cash handling device and receiving a withdrawal request including the first or second terminal type information from the first or second type terminal;
Means for confirming the amount of a small bundle of cash handling devices at the present time;
First determination means for determining whether the withdrawal request can be satisfied by the amount of the small bundle;
The terminal type information included in the withdrawal request indicates that the terminal requesting the withdrawal request is the first type terminal and the cash handling device is adjacent to the terminal requesting the withdrawal request. Second determination means for determining whether or not it represents being performed using arrangement information included in the terminal type information ;
If a positive determination is made by the first and second determination means, means for instructing the cash handling device to withdraw a small bundle related to the withdrawal request;
Control device.

Images