JP5165433B2 - Money transaction processing device - Google Patents

Description

  The present invention relates to a money transaction processing apparatus of a type that can be shared by a customer and a bank employee, and more particularly, it relates to a money transaction processing apparatus capable of changing the deposit amount accounting process depending on whether the person performing the payment process is a bank employee or a customer.

Conventionally, there has been an automatic transaction apparatus (teller / payment machine) for a customer employee shared type that is provided with one deposit port and both a bank employee and a customer deposit and use from this deposit port (see Patent Document 1 or Patent Document 2). ). In the case of such a device, there is no difference in processing whether the bank employee or the customer deposits, and in any case, when it is deposited, it is immediately recorded as the balance of the cash machine.
However, when depositing with this device, the cash inserted into the deposit port is processed in the same way whether the customer deposits or the bank employee deposits. Therefore, there is no problem even if the deposit processing is performed as it is, and it is recorded as the balance of the cash machine. However, when the customer performs the deposit processing, not only cash but also non-cash such as cash and check etc. May also be credited together.

In this case, cash and checks are finally stored in the cash machine, and the total amount is also recorded, but only cash can be entered from the cash machine's deposit port. If processing up to the current account amount is sometimes performed as it is, it becomes difficult to later confirm the total of the non-cash amount received by the teller at the window and the cash deposited from the cashier at the customer level. For this purpose, it is necessary to keep the amount of cash that the customer has deposited from the cash machine pending until the time when the non-cash amount is recorded. For this reason, it was necessary to change the deposit amount accounting process depending on whether the depositor is a customer or a bank employee.
Japanese Patent Publication No. 8-31168 Japanese Patent Application Laid-Open No. 20008-9672

  The present invention has been made in view of the circumstances as described above, and provides a money transaction processing apparatus capable of differently accounting the amount of money (cash) deposited by a person performing the deposit process. With the goal.

  The present invention relates to a monetary transaction processing apparatus capable of changing the amount-of-payment processing depending on whether the person performing the deposit process is a bank employee or a customer. Is a money transaction processing device that can be shared, a money deposit / withdrawal port that is a money deposit / withdrawal port, a transaction input operation means for performing an input operation related to the transaction, and an operator that determines whether the operator is a customer or a clerk A discriminating means, an identification counting means for receiving and counting the money put into the money deposit / withdrawal port, a storage section for storing the identified and counted money, and an input of at least the money stored in the storage section Storage means for storing the money amount associated with the receipt number issued for each deposit transaction, and issuing a receipt printed with the receipt number when the deposit transaction is completed, and the receipt number and the deposit amount A receipt / journal processing unit that performs journal printing in association with each other, and a control unit that controls each of the units or means based on a predetermined program, and the control unit has the operator discriminating means that the operator is a customer If it is determined, adding the holding information to the deposit amount and storing it in the storage means in association with the receipt number, and the journal printed receipt number and deposit amount inputted from the transaction input operation means, The deposit amount corresponding to the receipt number stored in the storage unit is compared, and when they match, the deposit amount stored in the storage unit is counted and the hold information is released. It is achieved by a money transaction processing device characterized by controlling as described above.

  In addition, the object of the present invention is the sum of the deposit amount with the minus sign stored in the storage means and the deposit amount input from the transaction input operation means. When the value is zero, it is effectively achieved by the money transaction processing apparatus characterized in that it is determined that both deposit amounts coincide with each other and the cash amount processing process is performed.

  According to the money transaction processing apparatus according to the present invention, it is possible to automatically put the amount of money in the deposit process performed by the customer on hold, so that the non-cash deposit amount accepted at the counter and the teller machine It is possible to check the total amount with the cash deposited from the later, and to process the amount in cash, and to prevent mistakes such as miscalculation.

Below, the money transaction processing device concerning the present invention is explained with reference to drawings.
FIG. 1 is an external view showing an example of an embodiment of a money transaction processing apparatus 100 of a type that can be shared by customers and employees according to the present invention.
The structure of the money transaction processing apparatus 100 is as shown in FIG. 1, and a wrapping coin dispensing with a shutter that opens and closes in order to deposit and withdraw coins and banknotes at the upper part on the front side of the apparatus (on the side of the bank). A mouth 101, a banknote deposit / withdrawal port 102, a bundled bill withdrawal / withdrawal port 103, and a rose coin deposit / withdrawal port 107 are provided. A bundled bill withdrawal unit 113 and a loose coin deposit / withdrawal unit 117 are provided inside the apparatus.
Further, on the left side of the upper part of the apparatus, a touch panel type customer operation display unit 104 is provided, and a card processing unit 105 (not shown) is provided. Furthermore, a display unit 104a and an operation unit 104b are provided on the right side of the apparatus, and a card processing unit 105 is provided on the display unit 104a.

FIG. 2 shows an example of the internal configuration of the money transaction processing apparatus 100. A control unit 200 such as a CPU controls the whole according to a control program stored in the ROM 210. A feeding / conveying unit 110 that feeds and feeds inserted coins (banknotes and coins) one by one; an identification counting unit 120 that identifies and counts the fed-out money and calculates an amount; and Are temporarily connected to a temporary storage unit 130 for temporarily storing deposit data and the like, and further, an operation display unit 104 (the employee side is divided into a display unit 104a and an operation unit 104b), and a card processing unit. 105 is provided for customers and employees. A receipt / journal processing unit 106 not shown in FIG. 1 is also connected.
The control unit 200 is connected to a wrapping coin dispensing unit 111, a loose banknote depositing / withdrawing unit 112, a bundled banknote dispensing unit 113, and a loose coin depositing / dispensing unit 117. The storage unit 150 connected to the control unit 200 stores the stored deposit data with the fixed amount.
The money deposit / withdrawal port of claim 1 is a combination of the deposit / withdrawal port 102 for rose bills and the deposit / withdrawal port 107 for rose coins. The transaction operation input means corresponds to the operation display unit 104, and the operator determination means corresponds to the card processing unit 105.

FIG. 3 is a flowchart showing an example of the procedure of the deposit process by the money transaction processing apparatus 100 according to the present invention, which will be described based on this figure.
First, when a person who wants to perform a deposit process inserts a card storing his / her identification information into any of the card processing units 105, the card processing unit 105 reads the identification information of the depositor (step S1). Next, when the depositor inserts cash into the deposit / withdrawal ports 102 and 107, identification and counting are performed, the amount is calculated and temporarily stored, and the cash is held in the temporary holding unit (step S2). At this time, on the screen of the operation display unit 104, for example, a display as shown in FIG. 4 (this is an example of a customer screen, but an illustration of an employee screen is omitted) is performed. When the depositor confirms the amount and presses the confirmation button, the counted amount is confirmed, and the cash is stored from the temporary storage unit to the respective storage location (in the case of banknotes, the banknote deposit / withdrawal unit 112, in the case of coins). It is stored in the loose coin deposit / withdrawal unit 117).
At this time, if the depositor is a bank employee (in the case of “NO” in step S3), there is no need to confirm the total with the non-cash deposit later, so the cash-over process is performed as it is (step S4). The payment process is completed.
On the other hand, if the depositor is a customer (“YES” in step S3), a negative sign is added to the deposit amount 117,992 yen in a predetermined area (“collective 2” in FIG. 5) of the storage unit 150. (Step S5). The minus sign is added to indicate that the data is in a pending state where the amount is not booked, and the data may be suspended by attaching an appropriate flag. This data is stored in association with an appropriate receipt number, and a receipt printed with the receipt number is printed (step S6), output from the receipt / journal processing unit 106, and received by the customer. Further, the receipt number and the deposit amount are associated and printed in a journal (step S7). The information on the deposit amount may be sent to a window printer (not shown) connected to the money transaction processing apparatus 100 for printing. By doing so, when the customer updates the passbook at the counter or deposits with non-cash such as a check, the amount received by the money transaction processing apparatus 100 is changed to the receipt number and the counter of the receipt brought by the customer. This is because it can be confirmed by collating with the receipt number printed on the printer.

  For example, the setting of the storage area for the pending data for the bookkeeping process is specified in “30. Customer deposit details lump (1-8)” on the initial setting screen as shown in FIG. This is done by the bankers.

Next, a description will be given of the amount-paying process for data in which the customer has made payment and the amount-paying process has been suspended, based on the flowchart of FIG. This process is performed by a bank clerk when the customer is not charged, generally at the time of closing after the end of business.
First of all, a cash amount recording process is selected from a process menu (not shown) of the money transaction processing apparatus 100 (step S11). The receipt number of the deposit transaction for carrying out the amount-carrying process is input (step S12), and the reserved amount data is called into the temporary memory (step S13).
In this operation, the bank staff prepares a list of receipt numbers and deposit amounts printed in advance in the journal.

  Next, money amount data corresponding to the receipt number described in the journal printed receipt is input (step S14). Calculate the sum of the amount held (minus) and the amount entered, and if this is zero (0 yen) (if “YES” in step S15), the confirmation has been made. The minus sign of is changed to plus and is recorded in the stock amount (step S16). If this does not become zero (0 yen) (in the case of “NO” in step S15), it is a mistake in entering the amount, so the receipt number and amount are reconfirmed and the amount is re-input (step S14). The amount data entered by the banker is for confirmation only, and what is actually being booked in the bank is the amount data that is on hold. There is no.

  If a flag is added without adding a minus sign to the reserved amount, the difference between the entered amount data and the stored data is calculated. You may make it record in high.

  In the above description, the identification of the depositor is performed by reading the identification information stored in the card. However, the present invention is not limited to this, and the identification information (ID number, name, etc.) is obtained from the operation display unit 104. It may be input directly, or personal identification may be performed using biometric information such as fingerprints and irises.

It is an external view which shows an example of embodiment of the money transaction processing apparatus which concerns on this invention. It is a figure which shows the internal structural example of the money transaction processing apparatus which concerns on this invention. It is a flowchart which shows an example of the procedure of the money_receiving | payment process by the money transaction processing apparatus which concerns on this invention. An example of a customer's payment screen is shown. It is an example of the screen which displayed the data storage area of the memory | storage part. It is a figure which shows an example of an initial setting screen. FIG. 10 shows an example of a flowchart of a bank book process for data for which a bank book process is suspended. FIG.

Explanation of symbols

100 Money Transaction Processing Device 102 Bulk Money Deposit / Withdrawal Port (Money Deposit / Withdrawal Port)
104 Operation display (transaction input operation means)
105 Card processing unit (operator discrimination means)
106 Receipt / Journal Processing Department 107 Bulk Coin Deposit / Withdrawal Port (Money Deposit / Withdrawal Port)
112 Bulk paper money deposit / withdrawal unit (storage unit)
117 Rose coin deposit / withdrawal unit (storage unit)
120 identification counter (identification counting means)
150 storage unit (storage means)
200 Control unit 210 ROM

Claims (4)

A money transaction processing device that is installed in a financial office and can be shared by customers and employees,
A money deposit / withdrawal port that is a deposit / withdrawal port of money,
A transaction input operation means for performing an input operation related to a transaction;
Operator discriminating means for discriminating whether the operator is a customer or a clerk;
Identification counting means for receiving and counting the money inserted into the money deposit / withdrawal port;
A storage unit for storing the identified and counted money;
Storage means for storing at least the deposit amount of money stored in the storage unit in association with a receipt number issued for each deposit transaction;
A receipt / journal processing unit that issues a receipt printed with the receipt number upon completion of the deposit transaction, and prints a journal in association with the receipt number and the deposit amount;
A control unit that controls each unit or means based on a predetermined program,
The controller is
When the operator discriminating means determines that the operator is a customer, it adds storage information to the deposit amount and stores it in the storage means in association with the receipt number;
The journal printed receipt number and deposit amount input from the transaction input operation means are compared with the deposit amount corresponding to the receipt number stored in the storage means. The money transaction processing apparatus is characterized in that the deposit amount stored in the banknote is recorded in the bank and the hold information is released.   The money transaction processing apparatus according to claim 1, wherein the hold information is a minus sign or a flag.   When the holding information is a minus sign and the sum of the deposit amount with the minus sign stored in the storage means and the deposit amount inputted from the transaction input operation means is zero, The money transaction processing apparatus according to claim 2, wherein it is determined that the deposit amounts coincide with each other, and the amount-accounting process is performed.   4. The control according to claim 1, wherein when the operator is determined to be a bank employee by the operator determination means, the deposit amount is controlled to be recorded as it is without holding the deposit amount. 5. A money transaction processing apparatus according to claim 1.