JP5085983B2 - Cash management device and cash management system using the same - Google Patents

Description

  The present invention relates to a cash management system including a cashier and a cash management device in a sales office of a financial institution.

Generally, a cash management system includes a cash machine and a cash management device that replenishes the cash machine and collects cash from the cash machine.
A conventional teller machine is installed at a financial institution's window to process cash deposits / withdrawals at the counter transaction by operating a staff member. At the end of a day's work, cash deposits / withdrawals are made through transactions between the cash machine and customers. The tightening process is completed by comparing the balance counter counted based on the gold transaction and confirming the match (see, for example, Patent Document 1).

After the tightening process is completed, the cashier takes out the cash in the teller machine, and the cashier takes the cash directly into the cash management device such as a cash bus. The device is transported and stored in a safe installed in the store.
In addition, an attendant who conducts a large withdrawal transaction at the counter takes out the cash directly from the cash management device instead of using the cashier, and in that case, the attendant returns the cash amount to be taken out from the cash management device to the cashier in advance. The history of taking out the cash from the cash management apparatus is left by inputting, and then the cash that is moved to the cash management apparatus and withdrawn to the customer is directly taken out.
Japanese Unexamined Patent Publication No. 2000-163653 (paragraph “0010”, FIG. 1)

  However, in the conventional technology described above, when performing a large withdrawal transaction, the amount entered in advance in the cashier and the amount of cash actually taken out from the cash management device due to the mistake of the attendant do not match In such a case, there is a difference when the subsequent cash is totaled, and there is a problem that it becomes necessary to perform the totaling again and the business efficiency is deteriorated.

  An object of the present invention is to provide means for solving the above problems.

In order to solve the above-mentioned problems, the present invention is a movable cash management device for replenishing cash to a cashier and collecting cash from the cashier, which includes a reject box, the cashier and information When the cash is replenished by receiving and sending / receiving means for sending and receiving, the cash receiving / receiving means receives cash information to be replenished from the cashier and replenishes the cash based on the received cash information, and the cashier The cash that cannot be identified in the above is stored in the reject box .

  In this way, the present invention provides a cash management device that is input in advance to the teller machine due to a mistake of a clerk by providing transmission / reception means in the cash management device to transmit / receive information to / from the teller machine. The amount of money withdrawn from the cash and the cash taken out from the cash management apparatus can be prevented from becoming inconsistent, and the effects of stricter cash management and improved business efficiency can be obtained.

  Embodiments of a cash management system according to the present invention will be described below with reference to the drawings.

FIG. 1 is an external view showing the cash management apparatus of the first embodiment, and FIG. 2 is a block diagram showing the cash management apparatus of the first embodiment.
In FIG. 1, 1 is a cash management device, which is installed in a financial institution's store and used for cashiers to be replenished to an open cashier 15 (teller machine) used by an automatic transaction device or a staff member installed at the front of a window. Payout and collect cash remaining in automatic transaction equipment.

Moreover, the cash management apparatus 1 withdraws cash by the operation of the staff when the withdrawal amount is large due to the transaction in the window transaction.
Reference numeral 2 denotes a display operation unit, which is a work selection screen of a business performed by a staff member such as a cashier at a sales office, an input screen thereof, a display screen such as a CRT or an LCD for displaying processing operation procedures, and a staff member withdrawing money. Etc., and a keyboard or the like for inputting an identification symbol of the selected business process.

Reference numeral 3 denotes a cash cassette loading unit, which has a function of feeding the cash in the loaded cash cassette to the bill conveyance path and the coin conveyance path, in addition to loading a cash cassette storing cash for each denomination.
In addition, the cash stored in the cash cassette is banknotes such as 10,000, 5,000, 2,000, and 1,000 tickets, and coins of 500 yen, 100 yen, 50 yen, 10 yen, 5 yen, and 1 yen.
In addition to storing banknotes separately for each denomination, banknotes are stored in such a way that small bundles of 100 banknotes are bundled and sealed with paper strips. In addition, the location where coins are stored is also divided and stored for each denomination, and the interior is divided to store the bar metal bundled with a plurality of coins. .

Furthermore, the cash cassette is stored in a cash central management center that manages the cash of the financial institution, and the cash cassette is loaded into the cash management apparatus 1 at the cash central management center, and the cash cassette is loaded in the cash cassette. The management device 1 is transported to each store by a cash-only transport vehicle.
A communication antenna unit 4 has a function of wirelessly exchanging information with a transaction apparatus such as an open teller machine 15 installed at the front of a financial institution.

Moreover, the cash management apparatus 1 has a banknote transport path for feeding and transporting banknotes from a cassette loaded in the cash cassette loading section 3 and a coin transport path for transporting coins, and discharges banknotes transported by the banknote transport path. A bill deposit / withdrawal port 5 and a coin deposit / withdrawal port 6 for discharging the coins conveyed by the coin conveyance path are provided.
Reference numeral 7 denotes a connecting part, which is configured to connect the banknote transport path and the coin transport path with the transport path of the open teller machine 15 so that the cash management device 1 and the open teller machine 15 can deliver each other's cash. The door is provided so as not to be exposed to the outside. The door is opened and connected to the connecting portion on the open teller machine 15 side.

Further, the open teller machine 15 to be described later is provided with a connecting part having a door like the connecting part 7. When the cash management apparatus 1 and the open teller machine 15 are connected, the door is opened. It becomes connected with the connecting part 7.
In addition, the connection part 7 and the connection part of the open teller machine 15 which are the connected state shall be a structure which is not exposed outside.

In the present invention, the cash management device 1 has a structure in which a storage is attached to the carriage by providing a wheel at the bottom thereof, and a bar serving as a handle for moving the cash management device 1. 1a is provided, and an attendant pushes or pulls the bar 1a to move the cash management apparatus 1 itself.
In FIG. 2, reference numeral 8 denotes a control unit, which controls the operation of each unit of the cash management apparatus 1 according to a control program stored in the storage unit 9, and other communication devices such as an open cashier 15 in the store and the like by the communication antenna unit 4. It has a function to communicate with a transaction apparatus.

Reference numeral 9 denotes a storage unit that stores a control program executed by the control unit 8 and stores a processing result by the control unit 8.
Further, the storage unit 9 stores the limit number of cash that can be stored for each denomination (referred to as the limit number of storage), and the amount of cash counted based on the processing performed by the cash management device 1, Stores the number of stored cash for each denomination.

Reference numeral 10 denotes a cash deposit / withdrawal unit which accepts and discriminates cash such as banknotes inserted into the banknote deposit / withdrawal port 5 and coins inserted into the coin deposit / withdrawal port 6 and stores them in the cash cassette loading unit 3 according to denomination. And has a function of paying out and dispensing the stored cash.
Reference numeral 15 denotes an open teller machine, which is installed in a store and performs cash deposit / withdrawal processing, etc. used in window transactions by the operation of an attendant.

Reference numeral 16 denotes a cash machine control unit, which controls the operation of each part of the open cash machine 15 according to a control program stored in the cash machine storage unit 17 and has a function of communicating with the cash management apparatus 1 through the communication unit 18.
Reference numeral 17 denotes a teller machine storage unit that stores a control program executed by the teller machine control unit 16 and stores a processing result by the teller machine control unit 16.

Further, the cashier storage unit 17 counts and stores the deposit / withdrawal amount due to the transaction with the customer, the amount of cash supplemented from the cash management device 1, the amount of cash collected by the cash management device 1, and the like.
19 is a cash machine cash management unit that accepts and counts the cash inserted into the banknote deposit / withdrawal slot 5 and the coin deposit / withdrawal slot 6 and stores it in a denomination and also pays out and dispenses the stored cash. In addition to storing cash transported from the cash management apparatus 1 when connected to the cash management apparatus 1, it also has a function of transporting the stored cash to the cash management apparatus 1.

Reference numeral 20 denotes a cashier display operation unit, a job selection screen of a job performed by a clerk, an input screen thereof, a display screen such as a CRT or an LCD for displaying a stock information, a processing operation procedure, and the like. It consists of a keyboard and the like for inputting the amount of money and the identification symbol of the selected business process.
The teller machine control unit 16 also determines the cash amount stored at the start of the business, the transaction amount in the window transaction, the cash replenishment amount from the cash management device 1, the cash collection amount to the cash management device 1, etc. The cash amount in the cash machine stored in the cash machine cash management unit 19 is counted, and the cash value in the cash machine is stored in the cash machine storage unit 17.

The operation of the above configuration will be described.
In order to prepare the necessary amount of cash for the window service of the day, the clerk carries out the cash management device 1 stored in the safe in the store, moves it toward the open teller machine 15, opens the door of the connecting portion 7, Moreover, the door of the connection part of the open teller machine 15 is opened, and the cash management apparatus 1 and the open teller machine 15 are connected through the connection part.

At this time, the cashier control unit 16 of the open cashier 15 prompts the cashier display operation unit 20 to select various processes such as cash preparation processing, cash replenishment processing, cash collection processing, and tightening processing, and the selection thereof. Display the process selection screen with keys.
When the clerk inputs a selection key for performing the cash preparation process from the process selection screen, the teller machine control unit 16 displays a screen that prompts the user to input supplement information including the number of supplements for each type of cash necessary for cash preparation. Then, the amount based on the supplementary information input by the clerk is stored in the teller machine storage unit 17 as the amount in the teller machine, and the supplementary cash statement with the supplement information is transmitted to the cash management apparatus 1 by the communication unit 18. .

The control unit 8 of the cash management apparatus 1 stores the amount of money based on the supplementary information of the received supplementary cash statement in the storage unit 9 as the deposit amount in the cashier and stores the cash stored by the cash deposit / withdrawal unit 10 according to the supplementary information. The open cashier 15 is replenished via the connecting portion 7.
Next, the operation when the cash in the open teller machine 15 is insufficient will be described.
First, the clerk moves the cash management apparatus 1 to the place where the open teller machine 15 is located, opens the door of the connecting part 7, and opens the door of the connecting part of the open teller machine 15, and opens and closes the cash managing apparatus 1. The machine 15 is connected via a connecting part.

The teller machine control unit 16 of the open teller machine 15 stands by displaying a process selection screen on the teller machine display operation unit 20, and when the clerk inputs a selection key for cash replenishment processing from the process selection screen, the cash to be replenished A screen prompting the user to input the number of denominations (referred to as the number of supplements) is displayed on the teller machine display operation unit 20.
The clerk inputs the number of cash to be replenished according to the displayed screen.

The teller machine control unit 16 stores the input replenishment number in the teller machine storage unit 17, and transmits the replenishment number to the cash management apparatus 1 through the communication unit 18.
The control unit 8 of the cash management apparatus 1 stores the received replenishment number in the storage unit 9, pays out the number of denominations from the cash deposit / withdrawal unit 10 according to the replenishment number, and opens an open cashier 15 via the connecting unit. Transport to.

And the cash machine control part 16 of the open cash machine 15 discriminates the cash conveyed from the cash management apparatus 1 by the cash machine cash management part 19, counts the number of sheets for each denomination, and stores the counted number and the supplementary number stored. And confirming the match, the result of the cash replenishment process is confirmed, and the conveyed cash is stored in the denomination.
Furthermore, the collection | recovery operation | movement when the cash stored in the cash machine cash management part 19 of the open cash machine 15 becomes full and transfers some cash to the cash management apparatus 1 is demonstrated.

First, the clerk moves the cash management apparatus 1 to the place where the open teller machine 15 is located, opens the door of the connecting part 7, and opens the door of the connecting part of the open teller machine 15, and opens and closes the cash managing apparatus 1. The machine 15 is connected via a connecting part.
The teller machine control unit 16 stands by displaying a process selection screen on the teller machine display operation unit 20, and when a clerk presses a cash recovery process selection key from the process selection screen, the number of cash to be collected for each denomination A screen prompting the user to input (collected number of sheets) is displayed, and the attendant inputs the number of collected cash accordingly.

The teller machine control unit 16 stores the input collection number in the teller machine storage unit 17 and transmits the collected number to the cash management apparatus 1 by the communication unit 18.
The control unit 8 stores the received collection number in the storage unit 9.
The teller machine control unit 16 pays out cash from the teller machine cash management unit 19 in accordance with the received number of collected sheets, and conveys the cash delivered through the connecting unit 7 to the cash management device 1.

The control unit 8 discriminates the cash conveyed from the open cashier 15 by the cash depositing / withdrawing unit 10, counts the number of denominations for each denomination, and compares the counted number with the stored number of collected coins to match. This is confirmed, the result of the cash collection process is confirmed, and the conveyed cash is stored in the denomination.
In this way, when the overnight payment operation is completed and the tightening process is performed next time, the teller machine control unit 16 receives the amount managed by the cash management apparatus 1 and performs a transaction with the customer. For example, based on the total amount of the transaction amount transmitted to the center of the financial institution not shown in the figure, the transaction related to the account is examined from the deposit / withdrawal amount stored in the transaction storage unit 17 and the total amount of the received transaction amount I do. Further, the teller machine control unit 16 performs processing related to recovery such as replenishment processing and collection processing based on the stock amount in the cash machine, the stock amount managed by the cash management apparatus 1, and the stock amount in a safe (not shown). If it agrees after scrutinizing, it will be affirmed.

  Here, among the cash stored in the cash management apparatus 1, for cash that is not collected into a bundle other than a small bundle of banknotes and bar metal coins, the cash tightening is performed by summing up all the cash that will be performed later. In the raising process, when the data is collected, it may be troublesome to compare with the amount of money, and the clerk will move the cash that has not been bundled from the cash management device 1 to the open cashier 15 in advance. I will let you.

Therefore, the clerk connects the cash management apparatus 1 with the open cashier 15 and performs an operation for moving the cash that is not bundled.
The control unit 8 that has received the above operation pays out cash other than the small bundle bills and the bar metal coins from the cash cassette loading unit 3 and conveys the cash to the open teller machine 15 via the connecting unit 7. Store.

At this time, the control unit 8 counts the amount of cash that is not bundled by the cash deposit / withdrawal unit 10, and stores the amount obtained by subtracting the counted amount from the amount stored in the storage unit 9 as a new amount. . Then, the control unit 8 transmits the counted amount to the open teller machine 15 through the communication antenna unit 4.
Upon receipt of the amount counted from the cash management device 1, the teller machine control unit 16 reads the deposit amount in the teller machine from the storage unit 17, adds the received amount to the deposit amount in the teller machine, and newly determines the deposit amount in the teller machine. Store in the storage unit 17.

  As described above, in this embodiment, the cash management device and the open teller machine are connected so that the cashier moves between the cash management device and the open teller machine without direct contact with the attendant. As a result, it is possible to minimize the handling of cash by the staff, to prevent the loss of some cash when transferring cash between devices, and to tighten cash management at stores In addition, there is an effect that operational efficiency is improved.

In addition, in the said Example 1, although the case where there was one cash management apparatus 1 was demonstrated as an example, you may make it comprise the integrated system which manages the cash in a store by the multiple cash management apparatus 1. FIG. In that case, it is assumed that the cash is first replenished and collected by one cash management device 1 and the other cash management device 1 is stored in a safe in the store.
Specifically, cash replenishment processing and cash collection processing to the open teller machine 15 are performed by one main cash management device 1.

  In the case of cash replenishment processing, the control unit 8 of the cash management apparatus 1 is based on the number of stored cash for each denomination stored when the cash replenishment information from the open teller machine 15 is received and the received cash replenishment information. Compare the replenishment number for each denomination, and if there is a denomination that is less than the replenishment number, the display operation unit 2 is replaced with another cash management device 1 to perform the cash replenishment process. Display a screen to prompt the staff to notify the staff.

Moreover, the control part 8 is made to interrupt the operation | movement by the side of the open teller machine 15 by transmitting the message | telegram for interrupting a cash replenishment process to the open teller machine 15. FIG.
Then, the clerk removes the cash management device 1 from the connection with the open teller machine 15 and stores it in a safe in the store, and carries out the other cash management device 1 in the safe and sends it to the open teller machine 15. To be connected via the connecting portion 7.

When the clerk performs an operation for resuming the cash supplement processing temporarily suspended by the cashier display operation unit 20, the cashier control unit 16 uses the communication unit 18 to cash the cash supplement information stored in the cashier memory unit 17. This is transmitted to the management device 1, thereby performing a cash replenishment process with another cash management device 1.
In the case of the cash collection process, the control unit 8 reads the stored number of stored cash and the stored limit number for each denomination when receiving the collected number from the open teller machine 15, If there is a denomination of cash whose total number exceeds the storage limit number, the display operation unit 2 may have another cash management device 1 in the same manner as described above. A screen instructing the cash collection process to be exchanged and displayed to notify the clerk, and exchanged with another cash management device 1 to perform the cash collection process with the open cashier 15 To do.

  By doing in this way, generation | occurrence | production of cash shortage can be prevented further and work efficiency improves.

FIG. 3 is an explanatory diagram illustrating a cash management apparatus according to the second embodiment.
In addition, the present Example is different from the above-described Example 1 in that the cash management device 1 is provided with a non-performing money loss management unit 25.
The non-slip ticket management unit 25 has a function of counting the number of inserted non-slip cards or non-slip coins, and stores the inserted non-slip cards and non-slip coins separately.

In the above configuration, handling at the time of tightening processing of non-performing bills will be described.
A cash machine control unit 16 of the open cash machine 15 is provided in the cash management apparatus 1 with cash that could not be identified by the cash machine cash management unit 19 due to damage or deformation during the tightening process or during normal operations as a non-payable currency. It is stored in a reject box (not shown).
Then, when the clerk performs an operation for processing the high value of the damaged bills in the cashier display operation unit 20 of the open cashier 15, the cashier control unit 16 inputs the number of the damaged bills for each denomination. A screen prompting you to do so is displayed.

The clerk takes out the non-performing money from the reject box of the cash management apparatus 1 and inputs the number of denominations for each denomination based on the non-performing money that was taken out according to the screen displayed next.
The teller machine control unit 16 stores the amount based on the input number of denominations in the teller machine storage unit 17 as a non-performing money storage amount, and the communication unit 18 uses the cash management device 1 to store the non-conventional book money amount. Send to.
Thereby, the control part 8 memorize | stores the received banknote loss amount in the memory | storage part 9. FIG.

Then, when the clerk performs an operation for storing the non-performing money by the display operation unit 2 of the cash management apparatus 1, the control unit 8 prompts the user to input the denomination or denomination of the denomination. Displays the denomination input field.
In accordance with the screen, the clerk inputs the denomination to be inserted first, and also inserts the banknote or coin corresponding to the denomination input to the banknote slot or coin slot of the cash deposit / withdrawal unit 10.

The control unit 8 stores the denomination input by the attendant in the storage unit 9, counts the number of inserted slips or coins by the slip management unit 25, and calculates the counted slips or losses. The coin is stored in a place corresponding to the denomination stored in the storage unit 9 in the non-payment management unit 25.
In the same manner as described above, the control unit 8 displays a screen for prompting the input of the denomination to be input, an input field, etc., inserts the denomination or denomination of the denomination input by the attendant, and counts the number of the input Then, the operation of storing it in the non-performing bill management unit 25 is performed for the denominated denomination denomination.

Then, the control unit 8 reads the stored number of non-conventional bills for each denomination, counts the total amount of non-conventional bills from that number, and stores the total amount calculated and the non-contained ticket stored in the storage unit 9. Check the match against the amount of loss.
As described above, in the present embodiment, in addition to the effects of the first embodiment, cash management is sequentially performed for each denomination for the denominated bills that could not be deducted by the open teller machine during the tightening process. Since it was inserted into the device, the number of each denomination was counted, and the total amount of non-performing money was counted from there, so it was possible to save the trouble of manually counting non-performing banknotes, Furthermore, in order to prevent counting mistakes due to manual counting, it is possible to more strictly manage non-performing bills.

Note that the cash collected from the open cashier at the store and stored in the cash management apparatus is sent to the cash central management center by a cash transport vehicle when a certain amount of surplus is reached. If more funds are required at the store, the necessary funds are received from the cash central management center by a cash transport vehicle.
Here, FIG. 4 is explanatory drawing which shows the communication state between a cash transport vehicle and a center.

As shown in FIG. 4, when a cash management device is transported from a cash central management center to a store, a transmitter and a GPS are attached to the cash transport vehicle, and the cash management device is mounted on the cash transport vehicle as it is.
Then, the transport vehicle system in the cash transport vehicle and the cash management device are communicably connected, and various data such as the cash amount stored in the storage unit of the cash management device is transmitted to the cash transport vehicle side by the communication unit. Various data received by the transport vehicle system of the cash transport vehicle may be managed.

  In addition, the center of a financial institution such as a cash management central center acquires the location information of the cash transport vehicle by GPS, manages the position and movement status of the cash transport vehicle from the location information, and the cash transport vehicle approaches the store. At this time, the cash management apparatus installed in the store may be notified to the transport vehicle system.

External view which shows the cash management apparatus of Example 1 The block diagram which shows the cash management apparatus of Example 1. Explanatory drawing which shows the cash management apparatus of Example 2. Explanatory diagram showing the communication status between the cash transport vehicle and the center

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash management apparatus 2 Display operation part 3 Cash cassette loading part 4 Communication antenna part 5 Banknote depositing / withdrawing port 6 Coin depositing / withdrawing port 7 Connection part 8 Control part 9 Memory | storage part 10 Cash depositing / withdrawing part 15 Open cash machine 16 Cash machine control part 17 Teller machine storage unit 18 Communication unit 19 Teller machine cash management unit 20 Teller machine display operation unit

Claims (6)

A movable cash management device for replenishing cash to a cashier and collecting cash from the cashier,
Reject warehouse and
A transmission / reception means for transmitting / receiving information to / from the cashier;
When replenishing the cash, the received information of the cash to be supplemented from the cashier machine by transmitting and receiving means, the cash replenished based on the received information of the cash,
The cash management apparatus characterized in that cash that cannot be identified by the cashier is stored in the reject box . The cash management device according to claim 1,
Comprising a connecting part for connecting cash to and from the cashier,
When connecting to the connecting part of the teller machine by the connecting part and replenishing cash, the information on the cash to be replenished from the teller machine is received by the transmitting / receiving means, and the cash information is received based on the received cash information. When replenishing cash to the teller via a connecting part and collecting cash, the cash information collected from the teller is received, and the received cash is sent from the teller to the connecting part. The cash management apparatus characterized by collect | recovering via. Te cash management apparatus smell according to 請 Motomeko 2,
Discrimination cash collected from prior Symbol teller machine, counted, and collates the information of the cash to the recovery and its discrimination counted result, cash management apparatus characterized by confirming the result of the recovery of cash. In cash management apparatus according to any one of claims 1 to 3,
It is characterized by letting a clerk insert a non-performing denomination for each denomination, counting the number of denominated coins, and counting the total amount of non-performing denomination based on the number of each denomination Cash management device. A cash management system comprising a cashier and a movable cash management device for replenishing cash to the cashier and collecting cash from the cashier;
The cash management apparatus includes a reject store, a transmission / reception unit that transmits / receives information to / from the cashier, and a connecting unit that allows cash to be exchanged between the cashier and the cashier. Connected to the connecting part of the machine,
When you replenish cash, the teller machine, when information of the cash to be supplemented is input, it transmits the information of the cash to be supplemented inputted to the cash management apparatus,
The cash management device receives cash information to be replenished from the cashier by the transmitting / receiving means, and replenishes the cashier via the connecting unit based on the received cash information.
When it collects cash, the teller machine, when information of the cash recovering is input, the transmitted information of the cash recovering inputted to the cash management system, based on a further recovery information cash cash Send to the cash management device via the connecting part,
The cash management apparatus, the received information of the cash to be recovered from the cashier section by transmitting and receiving means, to recover the amount of cash to the received via the connection portion,
And the said cash management apparatus stores the cash which could not be identified with the said teller machine in the said rejection store | warehouse | chamber, The cash management system characterized by the above-mentioned . In the cash management system according to claim 5,
A plurality of the cash management devices are provided,
When replenishing cash, the cash management device compares the information on the cash to be replenished received from the teller machine with the number of cash of the type of money stored, and the number of cash stored is insufficient. When notifying them to exchange cash with another cash management device,
When cash is collected, the cash management device is configured to sum the number of collected cash denominations and the number of stored cash denominations based on the collected cash information received from the cashier. Compared to the maximum number of denominations that can be stored, if there are denominations that exceed the total number of denominations, it is notified that cash is collected by exchanging with another cash management device Cash management system.