JP5434030B2 - Automatic transaction apparatus and cash processing system - Google Patents

Description

The present invention is installed in a store of a financial institution, a convenience store, etc., and has a reception / exit for taking in / out a user's transaction medium, and an input operation unit for the user to operate. transaction cash machine to perform (hereinafter referred to as "ATM".) and an automatic teller machine or the like and connected to the automatic transaction apparatus, as a cash handling system having a coin receiving and dispensing machine that performs depositing and dispensing of coins, to It is.

  In ATMs installed at convenience stores, a coin machine is connected for the purpose of handling only banknotes or depositing small amounts of coins such as change, and the function to output change reserves required by retailers, There was no function for the purpose of changing money.

  The technique related to cash withdrawal is described in, for example, the following documents.

JP 2004-355540 A

  Japanese Patent Application Laid-Open No. 2004-228561 describes a technology for a dedicated exchange machine that enables exchange using a cash card (hereinafter simply referred to as “card”). This dedicated exchange machine has a currency exchange function that accepts money for exchange and discharges money of the specified denomination, and a fee collection function that collects a fee for exchange. Means to withdraw from your account.

  However, the money exchange dedicated machine of Patent Document 1 is assumed to be installed in a lobby of a bank, an ATM installation corner, etc., and is also a dedicated machine, so it is inappropriate to install it in a convenience store with limited installation space. It is. On the other hand, in a retail business such as a small store, it is necessary to prepare change every day, and there is a demand for change preparation and currency exchange services at convenience stores with no restrictions on business hours.

  When change preparation and currency exchange are frequently performed using the existing ATM mechanism, there may be a shortage of banknotes and coins stored in the ATM, and a situation in which normal transactions cannot be performed may occur.

Cash handling system of the invention according to claim 1, the automatic teller machine accepts outlet and the user and out of the user's transaction medium has an input operation unit performing an operation, conduct a transaction through the transaction medium When connected to the automatic transaction apparatus, a cash handling system comprising a coin receiving and dispensing machine that performs depositing and dispensing of coins, and a reservation means for issuing a receipt number accepting reservations cash withdrawal and determination means for determining the propriety of the execution of transactions involving dispensing of the cash other users based on the acquired reservation information by the reservation unit, the reservation receiving unit by inputting the reception number And withdrawing means for withdrawing the cash reserved in step (b ). And when the said determination means performs the said transaction with the said cash withdrawal of the said other user, the number of denominations remaining in the said automatic transaction apparatus is more than the number of denominations of cash withdrawal schedule, or fixed. If the number exceeds the number, the transaction of the other user is continued, and the number of denominations remaining in the automatic transaction apparatus is less than the number of denominations scheduled to be withdrawn or greater than a certain number If not, it is determined whether to stop or continue the transaction of the other user depending on the scheduled cash withdrawal date.

The invention according to claim 2 is the cash processing system according to claim 1, wherein the determining means checks whether or not the cash withdrawal scheduled date is today, and if it is today, the transaction is stopped, and if it is not today Is characterized by continuing the transaction.

The invention according to claim 3 is the cash processing system according to claim 1, wherein the determining means stops the transaction if the scheduled cash withdrawal date is before a predetermined date, and after the predetermined date. Continues the transaction and requests replenishment of the cash.

According to a fourth aspect of the present invention, there is provided an automatic transaction apparatus comprising the reservation accepting means according to the first aspect, the determining means, and the withdrawal means.

According to a fifth aspect of the present invention, there is provided an automatic transaction apparatus comprising the reservation accepting means according to the second aspect, the determining means, and the withdrawal means.

According to a sixth aspect of the present invention, there is provided an automatic transaction apparatus comprising the reservation accepting means according to the third aspect, the determining means, and the withdrawal means.

The inventions according to claims 1 to 6 have the following effects (1) to (3).

(1) for connecting the coin receiving and dispensing machine of large capacity to automated teller machine, even if the change preparation and exchange, that lead to frequent shortages of banknotes and coins that are housed in the automatic teller machine and a coin receiving and dispensing machine Disappears.

  (2) With the cash withdrawal reservation accepting means, it will be possible to make sure that change and exchange are made on the necessary date.

(3) Based on the information obtained by the reservation means cash withdrawal, since the automatic teller machine and the coin receiving and dispensing machine housing to which banknotes and coins there high management can prevent unexpected cash shortage .

  The best mode for carrying out the invention will become apparent from the following description of the preferred embodiments when read in conjunction with the accompanying drawings. However, the drawings are only for explanation and do not limit the scope of the present invention.

(Configuration of Example 1)
FIG. 2 is a configuration diagram illustrating the entire cash processing system according to the first embodiment of the present invention.

Cash handling system of the first embodiment, one of the automatic transaction apparatus, a plurality of ATM1 (= 1-1~1-N) to be installed in combination Enns store such as a local area network to each of these ATM1 Installed in a plurality of coin depositing and dispensing machines 30 (= 30-1 to 30 -N) connected by (hereinafter referred to as “LAN” ) and a computer center of a financial institution, etc., and execute accounting transactions such as deposit and withdrawal transactions the center system 35 which has a communication line 34 for connecting the plurality of ATM1 and center system 35, the.

Furthermore, the cash processing system includes a plurality of personal computers (hereinafter referred to as “PCs”) 31 (= 31-1 to 31-N) and a plurality of mobile phones connected to the center system 35 via a communication line 33 such as the Internet. A terminal such as a telephone 32 (= 32-1 to 32 -N) is provided. The center system 35 and the terminal are provided with notification means (not shown) for notifying the center system 35 of a cash withdrawal reservation from the terminal.

  FIG. 1 is a functional block diagram showing the ATM of FIG. 2 in Embodiment 1 of the present invention.

Hereinafter, ATM1 of Example 1 of this invention is demonstrated based on general ATM.
ATM1 includes a control unit 11 composed of a central processing unit and main memory, and a nonvolatile auxiliary storage device such as a hard disk 21. The control unit 11 controls the entire ATM 1 by program control, and further, based on the reservation receiving means 11a for accepting reservations for cash withdrawal and other information obtained by the reservation accepting means 11a. Determining means 11b for determining whether or not the transaction involving the withdrawal of cash can be executed, and withdrawing means 11c for withdrawing the cash of the money type reserved in the reservation accepting means 11a by inputting the receipt number ing.

The LAN control unit 2 controls communication for connecting the coin depositing and dispensing machine 30. An input operation unit 3 controlled by the control unit 11, a character and an LCD screen display unit 12 that displays an operation screen constituted by figures or the like, a touch panel for inputting information provided on the display section 12 And an input unit 13. The passbook entry unit 14 is connected to the passbook insertion / extraction port 6 and performs a passbook entry process. However , the passbook entry unit 14 is not usually provided in the ATM 1 installed in the convenience store. The card reader / writer unit 15 is connected to the card insertion / extraction port 7 and reads and writes the contents of the card. The banknote depositing / withdrawing unit 16 is connected to the banknote loading / unloading port 4 and has a function of discriminating and counting the authenticity of banknotes and performing depositing / withdrawing processing. The coin deposit / withdrawal unit 17 is connected to the coin deposit / withdrawal port 5 to discriminate, count, and perform deposit / withdrawal processing. The proximity sensor 18 is a sensor that detects the approach of a person to the ATM 1. The communication control unit 19 has a function of controlling communication with the host computer of the center system 35 . The voice guidance unit 20 outputs various guidance and communication to the user through the speaker 8 by voice. The timer unit 22 manages date, time, and time. The camera control unit 23 is connected to the monitoring camera 9 .

FIG. 3 is a schematic configuration diagram showing the coin depositing and dispensing machine 30 connected to the ATM according to the first embodiment of the present invention.

A customer service port 51, which is a coin accepting and taking out port, is provided in the upper part of the coin depositing / dispensing machine 30, and opens and closes a shutter 52 to insert and remove coins. The coin feeding unit 53 opens the bottom of the customer service unit 51, accepts coins through the deposit chute 54, separates the coins one by one into the sorting conveyance path 55, and feeds them horizontally. The sorting conveyance path 55 has a lower surface arranged substantially horizontally, and conveys a coin from the upper portion with a belt sandwiched between the lower surface and the lower surface.

In the sorting conveyance path 55, a discrimination unit 56 for discriminating the authenticity and denomination of coins is arranged, and various sorting blades (not shown) are arranged downstream thereof. Six types of denomination storages 57 are arranged below the distribution transport path 55, and coins passing through the distribution transport path 55 are stored in a predetermined denomination storage by appropriately controlling a distribution blade (not shown). 57.

  When the coins are withdrawn, the coins are separated one by one from the corresponding denomination storage 57 by a feeding mechanism (not shown) and fed to the dispensing transport path 59. The collective coin storage unit 58 stores all denominations at once.

Although not shown, inside the coin receiving and dispensing machine 30, there are various chutes sliding the plurality of carriers and the coin to be conveyed up and down to accommodate a coin for vertical movement of the coin downward by gravity, these The coin is moved using the.

(Overall operation of ATM of embodiment 1)
FIG. 4 is a diagram showing an example of a transaction selection screen displayed on the input operation unit 3 in FIG.

First, using FIG. 1 and FIG. 4, the operation of the entire ATM 1 will be described with reference to a withdrawal transaction. When the user approaches the ATM 1, the proximity sensor 18 detects this and the input operation unit 3 is powered on. When the power is turned on, the transaction selection screen of FIG. 4 is displayed on the input operation unit 3. As shown in FIG. 4, transaction buttons 3 a for deposit, withdrawal, transfer, balance inquiry, passbook entry, and PIN change are displayed graphically on the input operation unit 3 to prompt the user to select a transaction. When the user selects and presses one of these transaction buttons 3a , the corresponding transaction is started.

For example, when a user withdraws cash from his / her own account, the user pushes a withdrawal button (hereinafter simply referred to as “drawing button”) 3a. When the withdrawal button 3a is pressed, a withdrawal transaction is started, and a message prompting insertion of a bankbook and a card is displayed on the operation screen. When the passbook is inserted into the passbook insertion / extraction port 6, the passbook entry unit 14 takes it in and prepares for entry. When a card is inserted into the card insertion / removal port 7, the card reader / writer unit 15 reads the stored content of the card and stores it in the main storage device in the control unit 11. The card stores user information such as a financial institution code, a user account number, and a name.

Next, an operation screen for inputting a password is displayed on the input operation unit 3. When the password is input by the user, an operation screen for inputting the withdrawal amount desired by the user is displayed. The withdrawal amount is input by the user using this operation screen. Subsequently, the account number, amount, password, etc. are edited by the control unit 11 and transmitted to the host computer of the center system 35 via the communication control unit 19. When the host computer receives a message from ATM1, it reads the account information from the account file of the user from the received account number, and checks whether the received personal identification number matches the personal identification number held by the host computer. .

If the passwords do not match, the host computer sends a message to that effect to ATM1. The ATM 1 displays a password input screen on the input operation unit 3 and prompts the user to re-enter the password. If the passwords match, the host computer validates the transaction and subtracts the received amount from the balance of the account file to obtain a new balance. If there is passbook entry data for unbooked, it is sent to ATM1 along with the new balance. In ATM 1, when this is received, the passbook entry unit 14 records a new balance or the like in the taken-in passbook .

At the same time, the banknote deposit / withdrawal unit 16 takes out banknotes from a storage (not shown) inside the ATM 1, counts them, and sets them in the banknote insertion / extraction port 4. Similarly, the coin deposit / withdrawal unit 17 takes out coins from the denomination storage 57 , counts them, and sets them in the coin insertion / extraction port 5. Next, a message prompting the user to take out the bankbook, card, and cash is displayed on the input operation unit 3, and the user can enter the bankbook insertion / extraction port 6, the card insertion / extraction port 7, the bill insertion / extraction port 4, and the coin insertion / extraction port. Take out the bankbook, cash card and cash from exit 5.

(Method of cash withdrawal in Example 1)
FIG. 5 is a flowchart showing a process at the time of reservation reception of the cash processing method in the cash processing system of FIG.

A user who desires change reserve or money exchange connects to a predetermined center system 35 using the personal computer 31 or the mobile phone 32 (step S1). In the control of the center system 35, a screen for the reservation cash dispensing it is displayed on the display unit of the PC 31 or cellular phone 32 (step S2). The user inputs the scheduled date of withdrawal, the number of denominations to be withdrawn, and the ATM number used (step S3), and transmits it to the center system 35 (step S4).

  The center system 35 numbers the reception number and returns it to the personal computer 31 or the mobile phone 32 (step S5), and the personal computer 31 or the mobile phone 32 records the reception number (step 6). The center system 35 transmits the scheduled date of withdrawal, the number of denominations scheduled to be withdrawn, and the receipt number to the ATM 1 (step S7). And the receipt number are recorded in the hard disk 21 (step S8). This completes the process for accepting a reservation.

Next, the user goes to the convenience store or the like where the corresponding ATM 1 is installed on the day of the cash withdrawal and uses the ATM 1 to make a withdrawal. For example, the transaction selection screen shown in FIG. 4, to display the button not shown dispensing execution, when it is pressed, the dispensing unit 11c, and displays a reception number input screen (not shown). Here, when the user presses the confirmation button to enter the receipt number, withdrawal means 11c displays a cash withdrawal execution screen (not shown) by searching the reservation information of the withdrawal from the receipt number.

On the cash withdrawal execution screen, the scheduled date of withdrawal, the number of denominations scheduled for withdrawal, and the like are displayed. When the user confirms the display contents and presses the confirmation button, a message prompting the card insertion is displayed. When the card is inserted , a password input screen is displayed. The withdrawal schedule amount of money the entered personal identification number, perform the identity verification process is transmitted to the center system 35. In the center system 35, the balance of the account is updated with the scheduled withdrawal amount, and the fact that the transaction has been completed is returned to ATM1. The withdrawal means 11c discharges the reserved number of denominations to be withdrawn to the banknote insertion / extraction port 4 of the ATM 1 and the customer service port 51 of the coin depositing / dispensing machine 30. This completes the cash withdrawal process.

  FIG. 6 is a flowchart showing processing during normal transaction by another user of the cash processing method in the cash processing system of FIG.

As already described in (Overall operation of ATM of Embodiment 1), processing at the time of normal transaction of Embodiment 1 will be described by taking a withdrawal transaction as an example.

A withdrawal transaction is selected by another user (step S31), a password is entered (step S32), and an amount is entered (step S33). The ATM 1 determines whether or not the password is valid (step S34), and returns to step S32 if it is incorrect. If it is valid, the ATM 1 calculates the number of coins of the denomination required for withdrawal from the input amount (step S35), subtracts this number from the number stored in the coin depositing / dispensing machine 30, and the rest It is checked whether the number is larger than the number of scheduled withdrawals reserved by the reservation accepting means 11a or more than a certain number (steps S36 , 37). If the number is larger, the transaction is continued (step S41).

If not, it is checked whether today is the scheduled withdrawal date (step S38). If the scheduled withdrawal date is displayed, the transaction is interrupted (step S39), and today is the scheduled withdrawal date. If not, the center system 35 is requested to replenish cash (step S40) , and the transaction is continued (step S41).

(Effect of Example 1)
According to the first embodiment, the following effects (1) to (4) are obtained.

(1) Since a large-capacity coin depositing / dispensing machine 30 is connected to the ATM 1 , even if a change or currency exchange is performed, the banknotes and coins stored in the ATM 1 and the coin depositing / dispensing machine 30 may frequently be insufficient. Disappear.

  (2) With the cash withdrawal reservation accepting means 11a, change preparation and exchange can be surely performed on a necessary day.

(3) Based on the information obtained by the cash withdrawal reservation accepting means 11a, when there is a risk of shortage of coins, the normal withdrawal transaction is stopped or the center system 35 is requested to replenish coins. so, it is possible to prevent the unexpected cash out.

(4) Since from the personal computer 31 or mobile phone 32 can be booked cash withdrawal, thereby improving convenience to the user.

(Configuration of Example 2)
Cash processing system according to the second embodiment of the present invention has a catechin device 30 entering and leaving substantially the same ATM1 and coins as in Example 1.

(Method of cash withdrawal in Example 2)
FIG. 7 is a diagram illustrating an example of a cash withdrawal reservation screen according to the second embodiment of the present invention.

  In the first embodiment, the reservation acceptance process for notifying the center system 35 of a cash withdrawal reservation using the personal computer 31 or the mobile phone 32 and receiving the reservation information from the center system 35 at the ATM 1 has been described. 2 is a method in which a cash withdrawal reservation screen is displayed on the input operation unit 3 of the ATM 1 and a user directly inputs reservation information to make a reservation.

For example, the transaction selection screen shown in FIG. 4, provided a button for dispensing reservation not shown, when it is pressed to display the cash dispensing reservation screen shown in FIG. Here, when the user inputs the scheduled ATM number 3b, the scheduled withdrawal date 3c, and the number 3d of the scheduled withdrawal type, the ATM 1 calculates the total amount and displays it in the display field 3e. When the user presses the confirmation button 3f , the ATM 1 issues a receipt on which the receipt number is printed, and the reservation acceptance process is completed. Here, the ATM number to be used is not necessarily required to be input. When there is no input, ATM 1 being currently input becomes the ATM for withdrawal.

(Effect of Example 2)
According to the second embodiment, in addition to the effects (1) to (3) of the first embodiment, cash can be withdrawn by remodeling only ATM1, and the operation is simple and easy for the user. .

(Modification)
The present invention is not limited to the first and second embodiments, and various usage forms and modifications are possible. For example, the following forms (a) to ( d ) are used as the usage forms and the modified examples.

(A) The automatic transaction apparatus is not limited to ATM 1 installed in a convenience store or the like. ATM 1 installed in a lobby of a bank or the like may be used, and it can be widely applied as long as it is a device that performs transactions by operations by customers and handles cash. For example, a ticket vending machine installed at a station, an air ticket issuing machine installed at an airport, a self-checkout installed in a supermarket, and the like can be considered.

    (B) Although the accounting system host computer is assumed as the center system 35 in the first embodiment, a dedicated server system may be used.

    (C) In Example 1, although ATM1 and the coin depositing / withdrawing machine 30 were connected by LAN, it is not specifically limited. It can be connected by any means.

(D) In the first embodiment, in step S38, the today determines whether out gold date, but so as to shift to the operations of steps S39, S40 by the determination result, determining means 11b is If you run transactions involving dispensing of cash other users, denomination number of sheets remaining in the automatic teller machine and a coin receiving and dispensing machine 30, such as ATM1 is, cash withdrawal within a predetermined time period set in advance If the number of denominations exceeds the predetermined number or exceeds a certain number , the transaction may be continued.

It is a functional block diagram which shows ATM of FIG. 2 in Example 1 of this invention. It is a lineblock diagram showing the whole cash processing system in Example 1 of the present invention. It is a schematic block diagram of the coin depositing and dispensing machine 30 connected to ATM in Example 1 of this invention. It is a figure which shows the example of a transaction selection screen displayed on the input operation part 3 in FIG. It is a flowchart which shows the process at the time of the reservation reception of the cash processing method in the cash processing system of FIG. It is a flowchart which shows the process at the time of the normal transaction by the other user of the cash processing method in the cash processing system of FIG. It is a figure which shows the example of the cash withdrawal reservation screen in Example 2 of this invention.

1 ATM1
2 LAN control unit 3 Input operation unit 11 Control unit 11a Reservation receiving unit 11b Determination unit 11c Withdrawing unit 30 Coin depositing / withdrawing machine 31 PC 32 Mobile phone 35 Center system

Claims (6)

An automatic transaction apparatus which accepts outlet and the user and out of the user's transaction medium has an input operation unit performing an operation, conduct a transaction through the transaction medium,
A coin depositing and dispensing machine connected to the automatic transaction apparatus for depositing and dispensing coins ;
A cash processing system comprising:
Reservation acceptance means for accepting reservations for cash withdrawals and issuing a receipt number;
Determining means for determining the propriety of the execution of transactions involving dispensing of the cash other users based on the reservation information obtained by the reservation means,
Have a, and a withdrawal means to withdraw the cash that was reserved in the reservation acceptance means by inputting the receipt number,
The determination means, when executing the transaction involving the withdrawal of the cash of the other user, the number of denominations remaining in the automatic transaction apparatus is greater than the number of denominations scheduled to be withdrawn or a certain number When the number of denominations continues, the transaction of the other user is continued, and the number of denominations remaining in the automatic transaction apparatus is less than the number of denominations scheduled to be withdrawn from cash or less than a certain number A cash processing system for determining whether to stop or continue the transaction of the other user according to the scheduled cash withdrawal date . 2. The cash processing according to claim 1, wherein the determination unit checks whether or not the scheduled cash withdrawal date is today, stops the transaction if it is today, and continues the transaction if it is not today. system. The determining means stops the transaction when the scheduled cash withdrawal date is before a predetermined date, continues the transaction when the predetermined date is after, and requests replenishment of the cash. The cash processing system according to claim 1. An automatic transaction apparatus comprising the reservation accepting unit according to claim 1, the determination unit, and the withdrawal unit. An automatic transaction apparatus comprising the reservation accepting unit according to claim 2, the determination unit, and the withdrawal unit. An automatic transaction apparatus comprising the reservation accepting unit according to claim 3, the determination unit, and the withdrawal unit.

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