JP5781020B2 - Money processing unit and automatic transaction processing apparatus - Google Patents

Description

  The present invention relates to a money processing unit that performs money deposit / withdrawal processing and manages the number of money stored in a cartridge according to money type, and an automatic transaction processing apparatus including the money processing unit.

  Conventionally, automatic teller machines (hereinafter referred to as ATMs) installed in financial institution stores and convenience stores, etc., perform deposit transactions and withdrawals required by the user according to the user's input operation. Process various transactions such as gold transactions.

  ATM is provided with the banknote processing unit which processes a banknote. The banknote processing unit includes a plurality of cartridges for storing banknotes. The cartridge includes a denomination type cartridge in which a denomination of banknotes to be stored is determined, and a reject cartridge that stores banknotes not used for transactions (hereinafter referred to as reject banknotes). Moreover, the banknote processing unit manages the number of stored banknotes in the main body according to denomination. Specifically, the banknote processing unit counts the number of deposits for each banknote deposited by deposit transaction, and manages the counted number of deposits for each denomination at that time. Is added to the number of stored items. In addition, the banknote processing unit counts the number of withdrawals for each type of banknotes withdrawn in a withdrawal transaction, and manages the number of withdrawals for each type of money. Subtract from the number of seeds stored.

  This banknote processing unit manages the banknotes stored in the denomination cartridge and the banknotes stored in the rejection cartridge (the banknotes stored in the denomination cartridge and the rejection cartridge are stored in the rejection cartridge). It is not managed separately from the banknotes that are used.)

  There is also a banknote processing unit that distinguishes between banknotes stored in a denomination cartridge and banknotes stored in a reject cartridge, and manages the number of denominations (see Patent Document 1). This banknote processing unit counts the number of banknotes fed out from the stacker (denomination type cartridge) (delivery number) for each denomination during the withdrawal process, and the number of normal banknotes whose denomination is determined for the fed banknotes. In this configuration, (the number of withdrawals) is counted for each denomination, and the number of the denomination banknotes stored in the reject cartridge is managed by denomination using these count values.

JP 2008-234190 A

  However, the configuration of Patent Document 1 is based on the premise that multi-feeding of banknotes does not occur, and the number of denominations managed for banknotes stored in a reject cartridge when multi-feeding of banknotes occurs. Is incorrect. For example, when two banknotes are fed out from the denomination type cartridge, they are counted as one sheet. The two fed banknotes are identified as reject banknotes by the identification unit and stored in a reject cartridge. As described above, when the banknotes are double-fed, the number of fed-out sheets to be counted becomes inappropriate (actually, two sheets are fed out but counted as one sheet). As a result, for the banknotes stored in the reject cartridge, the number of banknotes managed by denomination is inappropriate, and the banknotes stored in the denomination cartridge that feeds out the multi-fed banknotes are also The number of sheets being managed is incorrect.

  An object of the present invention is to provide a monetary processing unit capable of managing the number of money stored in each cartridge by denomination, even if multiple feeds are carried in a state where a plurality of coins are overlapped, And providing an automatic transaction processing apparatus.

  In order to solve the above-described problem, the money handling unit of the present invention is configured as follows.

Money transport unit includes a plurality of denominations cartridge containing the money to be used for transactions by denomination, a reject cartridge money which is not used for transaction housed regardless denomination, and withdrawal port, a linking money conveyance path Carry money along. A money identification part identifies the money for every money which the money conveyance part is conveying along a money conveyance path. The money identification unit not only identifies the denomination and authenticity of the money, but can also determine whether the money is one or more (two or more). The money whose denomination and authenticity cannot be identified by the currency identifying unit includes not only counterfeit money but also money that cannot be identified by breakage or loss.

The stored number management unit manages the number of stored coins stored in the denomination cartridge according to the denomination, and manages the number of coins stored in the reject cartridge according to the denomination. The withdrawal number setting unit sets the number of money stored in the deposit / withdrawal port as the number of withdrawals for the money of the denomination stored in one of the denomination cartridges.

  Moreover, a money conveyance part performs 1st money conveyance control and 2nd money conveyance control which are shown below.

  In the first money transfer control, the money discriminating unit identifies the money paid out from the denomination cartridge storing the money of the denomination for the money of the denomination for which the withdrawal number setting unit has set the number of withdrawals. Then, the identified money is transported and stored in the deposit / withdrawal port, and the unidentified money is transported and stored in the temporary holding section that is passed through the money transport path. In the first money transfer control, money that can be identified as denomination and authenticity and that has been determined to be one sheet is transported and stored in the deposit / withdrawal port, and the denomination and authenticity are not recognized. , And the money that could not be determined to be one is transported to and stored in the temporary storage unit. Thereby, the money of the denomination in which the withdrawal number setting part set the withdrawal number can be conveyed and stored by the number of withdrawals set to the deposit / withdrawal port. The money stored in the deposit / withdrawal port is money released to the user.

  In addition, since the money stored in the temporary holding unit is money that has been fed from the denomination cartridge of the same denomination as the money that has been transported and stored in the deposit / withdrawal slot, the money that has been transported and stored in the deposit / withdrawal slot Is the same denomination.

The second monetary transport control, for money was stored in the temporary holding section in the first currency transport control, when they are transported along the currency transport path, the money that number by the money discrimination part could be determined, Li The money that has not been determined by the money identification unit is transported and stored in the cartridge, and is transported and stored in the denomination cartridge of the same denomination as the denomination cartridge from which the money has been fed.

  Accordingly, it is possible to properly count the denominations and the number of moneys conveyed and stored in the deposit / withdrawal port by the first money conveyance control, and the moneys conveyed and stored in the reject cartridge by the second money conveyance control. The denomination and number of sheets can also be counted properly. Therefore, the number of money stored in the denomination cartridge can be managed by denomination, and the number of money stored in the reject cartridge can be managed by denomination.

  Further, the second transport control is configured such that the money whose number cannot be determined by the money identification unit is stored in the money type cartridge from which the money is fed out, so that the money stored for each money type cartridge is stored. The number of sheets can be managed.

  In the second money transport control, money that can be determined by the money recognition unit and whose denomination cannot be recognized is transported and stored in a reject cartridge, and the number of money can be determined by the money recognition unit. It is good also as a structure which conveys and accommodates the money in which the seed | species and authenticity could be identified to the money type cartridge of the same money type as the money type cartridge which paid out this money. If it does in this way, the number of money stored in a reject cartridge can be held down, and the effort of the staff concerning exchange work of a reject cartridge can be reduced.

  Moreover, a money conveyance part is good also as a structure which performs 3rd money conveyance control and 4th money conveyance control which are shown below.

  In the third money transfer control, the money put into the deposit / withdrawal port is fed out, the money identified by the currency identification unit is conveyed and stored in the temporary holding unit, and the money that could not be identified is returned to the deposit / withdrawal port. In the fourth money transfer control, the money stored in the temporary holding unit by the third money transfer control is fed out, and the money that can be identified by the money identification unit is transferred and stored in the denomination type cartridge. The money that could not be identified is transported and stored in the reject cartridge.

  Further, the stored number management unit manages the number of money stored for each denomination type cartridge based on the number stored in the fourth money transfer control, and stores the money in the temporary holding unit by the third money transfer control. Manages the number of money stored in the reject cartridge by money type based on the number of money stored in the money cartridge and the number of money stored in the money type cartridge in the fourth money transfer control. To do. As a result, even when deposit money is received, the number of money stored in the money type cartridge and the number of money stored in the reject cartridge can be appropriately managed according to the money type.

  In addition, when the withdrawal number setting unit sets the number of withdrawals to be stored in the deposit / withdrawal port, the money transportation unit performs the first money transportation control and the second money transportation control. It is preferable to repeat by denomination. As a result, when the second money transfer control is performed, it is possible to prevent a state in which a plurality of denominations of money are stored in the temporary storage unit, and more appropriately, the money stored in the denomination cartridge. In addition, the number of money stored in the reject cartridge can be managed by denomination.

  Moreover, the money processing unit according to the present invention can be applied to an automatic transaction processing apparatus that handles money such as an automatic teller machine (ATM).

  According to the present invention, even when multiple feeding is performed in a state where a plurality of coins are overlapped, the number of coins stored in each cartridge can be managed by denomination.

It is the schematic which shows the external appearance of an automatic teller machine. It is a block diagram which shows the structure of the principal part of an automatic teller machine. It is the schematic which shows the internal structure of a banknote processing unit. It is a block diagram which shows the structure of the principal part of a banknote processing unit. It is a figure which shows a banknote management table. It is a flowchart which shows the payment transaction processing of ATM. It is a flowchart which shows the payment transaction processing of ATM. It is a flowchart which shows a banknote feeding process. It is a flowchart which shows a banknote feeding process. It is a flowchart which shows a banknote feeding process.

  Embodiments of the present invention will be described below.

  FIG. 1 is a schematic view showing an appearance of an automatic teller machine according to an embodiment of the present invention. FIG. 2 is a block diagram showing a configuration of a main part of the automatic teller machine.

  As shown in FIG. 2, the automatic teller machine 1 (hereinafter referred to as ATM 1) includes a main control unit 2, a display / operation unit 3, a banknote processing unit 4, a coin processing unit 5, and a card. A statement processing unit 6, a passbook processing unit 7, and a communication unit 8 are provided. This ATM 1 is installed in a financial institution's store, convenience store, or the like, and processes a type of transaction requested by a user (such as a deposit transaction or a withdrawal transaction). The main control unit 2 controls the operation of each unit.

  The display / operation unit 3 includes a display 3a provided on the front surface of the main body and a touch panel 3b attached on the screen of the display 3a. The display / operation unit 3 displays an operation guidance screen for the user on the display 3a. Further, the display / operation unit 3 receives a user's input operation relating to a personal identification number and transaction details (transaction type, withdrawal amount, etc.) by detecting the pressed position of the touch panel 3b. The display / operation unit 3 may include a biometric information reading unit that reads biometric information of a user (fingerprint, finger vein, palm print, etc.).

  The banknote processing unit 4 processes deposit / withdrawal banknotes. A bill deposit / withdrawal port 4a for storing deposit / withdrawal bills is provided on the front of the main body. The bill deposit / withdrawal port 4a is provided with a shutter. In addition, the banknote deposit / withdrawal port 4a is provided with a partition plate for distinguishing between storage locations for deposited banknotes, withdrawn banknotes, and returned banknotes. The banknote processing unit 4 restricts the insertion and removal of banknotes to and from the banknote deposit / withdrawal port 4a by opening and closing the shutter.

  This banknote handling unit 4 is an embodiment of the money handling unit of the present invention.

  The coin processing unit 5 processes deposit / withdrawal coins. A coin deposit / withdrawal port 5a for storing deposit / withdrawal coins is provided on the front surface of the main body. The coin deposit / withdrawal port 5a is provided with a shutter. Moreover, the coin processing unit 5 restricts the insertion and removal of coins to and from the coin deposit / withdrawal port 5a by opening and closing the shutter.

  The card / detail processing unit 6 takes in a card inserted into a card insertion slot 6a provided on the front of the main body, reads card information (financial institution number, store number, account number, etc.) recorded on the card, Rewrite card information. The card / detail processing unit 6 may be configured to process a magnetic card, may be configured to process an IC card, or may be configured to process both cards (magnetic card and IC card). It may be. Further, the card / detail processing unit 6 has a printing unit (not shown) for printing transaction contents on the specification. The card / specification processing unit 6 discharges the specification printed with the transaction contents to the specification discharge port 6b provided on the front face of the main body.

  The passbook processing unit 7 has a printing unit (not shown) that takes in a passbook inserted into a passbook insertion slot 7a provided on the front of the main body and prints a transaction history for the passbook. Further, the passbook processing unit 7 is recorded on a page turning mechanism for turning over a page of the taken passbook, a bar code reader for reading a bar code indicating a page number printed on the passbook, and a magnetic stripe attached to the passbook. It also has a magnetic head or the like that reads the bankbook information (financial institution number, store number, account number, etc.).

  The communication unit 8 controls data communication with a host device (not shown) installed in the center.

  The center is provided with a database in which account management information including the name, address, contact telephone number, transaction history, personal identification number, account balance, etc. of the account opener is registered for each opened account. Based on the transaction details notified from ATM1, the center authenticates the transaction availability in response to the process of updating the account management information related to the account where the transaction was performed or the transaction approval request from ATM1. Processing for returning the authentication result is performed.

  Here, the banknote processing unit 4 will be described in detail. FIG. 3 is a schematic diagram showing the internal configuration of the banknote processing unit. FIG. 4 is a block diagram showing the configuration of the main part of the banknote processing unit. The banknote processing unit 4 includes a control unit 11, a transport unit 12, an identification unit 13, a storage unit 14, and an input / output unit 15.

  The control part 11 controls operation | movement of each part of this banknote processing unit 4 main body.

  The banknote processing unit 4 accommodates money type cartridges 41 to 44 and a reject cartridge 45 inside. The money type cartridges 41 to 44 and the reject cartridge 45 are detachable from the main body. In this example, the money type cartridges 41 and 42 store 10,000 yen bills. The money type cartridges 43 and 44 store thousand yen bills. The reject cartridge 45 stores banknotes and the like that are determined not to be used for transactions regardless of the denomination. Moreover, the banknote processing unit 4 is provided with the temporary storage part 46 which hold | maintains a banknote temporarily.

  The banknote processing unit 4 is formed with a banknote transport path 40 that connects the denomination cartridges 41 to 44, the reject cartridge 45, the temporary storage section 46, and the banknote deposit / withdrawal port 4a. The transport unit 12 controls a transport motor (not shown) and transports banknotes along the banknote transport path 40. The money type cartridges 41 to 44, the temporary storage unit 46, and the banknote deposit / withdrawal port 4 a are provided with a feeding mechanism for feeding the stored banknotes to the banknote transport path 40, but the reject cartridge 45 stores the banknotes. The feeding mechanism which feeds the banknotes to the banknote conveyance path 40 is not provided. The conveyance part 12 is provided in the process which pays out the banknote accommodated in the money type cartridges 41-44, the temporary storage part 46, or the banknote depositing / withdrawing port 4a to the banknote conveyance path 40, the branching point of the banknote conveyance path 40, etc. The process which controls the conveyance destination of the banknote currently conveyed by controlling the flapper currently performed, the process which opens and closes the shutter provided in the banknote depositing / withdrawing port 4a, etc. are also performed.

  The identification part 13 identifies the denomination and authenticity of the banknote conveyed along the banknote conveyance path 40. FIG. For each banknote transported along the banknote transport path 40, the identification unit 13 identifies the denomination and authenticity using feature quantities such as an optical pattern and a magnetic pattern read from the banknote. Moreover, the identification part 13 detects the thickness of a banknote, the length of the conveyance direction in the banknote conveyance path 40, and the length of the direction perpendicular | vertical with respect to the conveyance direction in the banknote conveyance path 40, and the banknote is one sheet. It is also determined whether there are a plurality of sheets (banknotes being multi-fed).

  In addition, the banknote in which the denomination and authenticity could not be identified in the identification part 13 is not necessarily a forged banknote. The banknotes whose denomination and authenticity could not be identified in the identifying unit 13 include genuine notes whose denomination and authenticity could not be identified due to breakage or loss (breaking).

  The storage unit 14 stores a banknote management table shown in FIG. 5 and manages the number of banknotes stored in the denomination cartridges 41 to 44 and the reject cartridge 45. As shown in FIG. 5, the banknote management table associates the number of banknotes stored in the denomination cartridge for each denomination cartridge 41 to 44. Since the denomination cartridges 41 to 44 define the denominations of the banknotes to be stored, the banknote management table substantially manages the number of sheets stored for the denomination cartridges 41 to 44. On the other hand, the reject cartridge 45 stores banknotes and the like that are determined not to be used for transactions regardless of the denomination, so the banknote management table stores the number of reject cartridges 45 in association with the number of denominations. The denominations of banknotes stored in the reject cartridge 45 include not only 10,000 yen banknotes and 1000 yen banknotes, but also 5000 yen banknotes and 2000 yen banknotes.

  In the example shown in FIG. 5, the number of banknotes (10,000 yen banknotes) stored in the money type cartridge 41 is A, and the number of banknotes (10,000 yen banknotes) stored in the money type cartridge 42 is B. The number of banknotes (thousand-yen banknotes) stored in the denomination cartridge 43 is C, and the number of banknotes (thousand-yen banknotes) stored in the denomination cartridge 44 is D. The number of thousand yen bills stored in the reject cartridge 45 is E, the number of 2000 yen bills is F, the number of 5000 yen bills is G, and the number of 10,000 yen bills is H. .

  The input / output unit 15 inputs and outputs data and commands to and from the main control unit 2.

  The operation of ATM1 will be described below. Here, a deposit transaction process and a withdrawal transaction process in which the number of stored bills changes in any of the denomination cartridges 41 to 44 and the reject cartridge 45 will be described.

  FIG. 6 is a flowchart showing ATM deposit transaction processing. When the deposit transaction is selected as the transaction type in the display / operation unit 3, the ATM 1 executes the deposit transaction process shown in FIG.

  ATM1 accepts a bankbook or a card and specifies an account for performing a deposit transaction (s1). The user inserts the card into the card insertion slot 6a or inserts the bankbook into the passbook insertion slot 7a. When the card is inserted, the card / detail processing unit 6 reads the card information recorded on the card, and specifies the account for the deposit transaction. When the passbook is inserted, the passbook processing unit 7 reads the passbook information recorded on the magnetic stripe attached to the passbook, and specifies the account for the deposit transaction.

  ATM1 receives a deposited banknote in banknote processing unit 4 (s2). In s2, the banknote processing unit 4 opens the shutter provided at the banknote deposit / withdrawal port 4a. The user inserts the deposited banknote into the banknote deposit / withdrawal port 4a. The banknote processing unit 4 closes the shutter when the insertion of the deposited banknote into the banknote deposit / withdrawal port 4a is completed.

  The banknote processing unit 4 counts the number of the deposited banknotes received in s2 for each denomination and calculates the deposited amount (s3). In this s3, the banknote processing unit 4 feeds the banknotes inserted into the banknote deposit / withdrawal port 4a one by one to the banknote transport path 40 in the transport section 12 and transports them to the identification section 13 to identify the denomination and authenticity. To do. Moreover, the identification part 13 detects the thickness of a banknote, the length of a conveyance direction, and the length of the direction perpendicular | vertical with respect to a conveyance direction, and also determines whether the banknote is one sheet.

  The banknote processing unit 4 conveys the banknote that can be identified as a denomination and genuine note by the identification unit 13 and is determined to be one sheet to the temporary storage unit 46 along the banknote conveyance path 40 and stores it. To do. The banknote processing unit 4 conveys and stores the banknote that could not be identified as a denomination or genuine note by the identification unit 13 or the banknote that could not be determined to be one to the banknote deposit / withdrawal port 4a. (Return to the banknote deposit / withdrawal port 4a). Moreover, the banknote processing unit 4 is conveyed to the temporary storage part 46, and about the banknote accommodated, the number of sheets is counted by money type. Specifically, the banknotes stored in the temporary storage unit 46 are counted as 10,000 yen banknotes-s, 5,000 yen banknotes-t sheets, 2000 yen banknotes-u sheets, and 1000 yen banknotes-v sheets. .

  In addition, if there exists a banknote returned to the banknote depositing / withdrawing port 4a by s3, the banknote processing unit 4 will open the shutter provided in the banknote depositing / withdrawing port 4a, and will return this banknote to a user.

  The ATM 1 displays the total amount of banknotes stored in the temporary storage unit 46 by the banknote processing unit 4 as the deposit amount on the display 3a of the display / operation unit 3 and requests the user to confirm the deposit amount. (S4).

  In addition, when a user additionally inserts a deposited banknote into the banknote deposit / withdrawal port 4a, the process concerning s3 mentioned above is performed again about the additionally inserted banknote. In this case, the number of denominations that are conveyed to the temporary storage unit 46 and stored on the banknotes is not reset.

  When the display / operation unit 3 receives the confirmation input of the deposit amount, the ATM 1 performs deposit processing for the account specified in s1 (s5). The deposit process related to s5 is a process in which the communication unit 8 transmits the transaction details (account, deposit amount, etc. specified in s1) related to the current deposit transaction to the center. In addition, if ATM1 accepts the passbook at s1, the passbook processing unit 7 prints the transaction details of the transaction in the passbook for each transaction (at least the current deposit transaction) that has not been entered in the passbook. Then, the bankbook is discharged to the bankbook insertion slot 7a. ATM1 acquires the transaction content to be printed on the passbook from the center. Also, if the ATM 1 accepts the card at s1, the card processing / detail processing unit 6 releases the card to the card insertion slot 6a and details the details of the current deposit transaction. It discharges to the book discharge port 6b. ATM1 acquires the transaction content printed on the description from the center. The user receives the released passbook or card and statement.

  At this point, the deposit transaction with the user is completed. Then, in ATM1, the banknote processing unit 4 stores the banknote stored in the temporary storage unit 46 in each cartridge, and performs a process of updating the banknote management table.

  The banknote handling unit 4 feeds the banknotes stored in the temporary storage section 46 one by one to the banknote transport path 40 in the transport section 12 and transports them to the identification section 13 to identify the denomination and authenticity (s6). . Moreover, the identification part 13 detects the thickness of a banknote, the length of a conveyance direction, and the length of the direction perpendicular | vertical with respect to a conveyance direction, and also determines whether the banknote is one sheet.

  The banknote processing unit 4 is a banknote that can be identified as a denomination and a genuine note and that has been determined to be one sheet, and stores the denomination cartridges 41 to 44 of the denomination of the banknote. For example, the banknotes are transported to and stored in the denomination type cartridges 41 to 44 of the corresponding denomination (s7, s8, s9). The banknote processing unit 4 counts the number of banknotes stored in s9 for each denomination cartridge 41-44. The banknote processing unit 4 is a banknote that does not contain a denomination, a banknote that could not be identified as a genuine note, a banknote that could not be determined to be one, and a banknote that does not contain the denomination cartridges 41 to 44 of the corresponding denomination ( In this example, 5,000 yen bills and 2,000 yen bills) are transported and stored in the reject cartridge 45 (s7, s8, s10).

Bill processing unit 4, all of the bills that were stored in the escrow unit 46 is transported to one of the cartridges, when stored, for each denomination cartridge 4 to 44, are stored in the bill management table The number of stored sheets is updated to the number obtained by adding the number of sheets stored this time (s11). The banknote processing unit counts the number of stored banknotes for each of the denomination cartridges 41 to 44 when performing the above-described processing of s7 to s10. For example, the number s1 of 10,000 yen banknotes stored in the denomination cartridge 41, the number s2 of 10,000 yen banknotes stored in the denomination cartridge 42, the number v1 of thousand yen banknotes stored in the denomination cartridge 43, and the denomination cartridge The number v2 of thousand yen bills stored in 44 is counted. In s11, for each denomination cartridge 41 to 44, the number of stored banknotes stored in the banknote management table is updated to the number of sheets stored this time. Taking the banknote management table shown in FIG. 5 as an example, the number of 10,000 yen banknotes stored in the money type cartridge 41 is A + s1, the number of 10,000 yen banknotes stored in the money type cartridge 42 is B + s2, and the money type The number of thousand yen bills stored in the cartridge 43 is updated to C + v1, and the number of thousand yen bills stored in the money type cartridge 44 is updated to D + v2.

  Furthermore, the banknote processing unit 4 updates the number of banknotes stored in the reject cartridge 45 managed by money type in the banknote management table (s12). In s12, for each denomination, the number of banknotes of the denomination stored in the denomination cartridges 41 to 44 is subtracted from the number of banknotes of the denomination stored in the temporary storage unit 46. Here, the number calculated for each denomination is the number stored in the reject cartridge 45 this time. For each denomination, the number stored in the banknote management table is updated to the number obtained by adding the number calculated for that denomination.

  In the above example, the number of banknotes stored in the reject cartridge 45 for each denomination is 10,000 yen banknotes-H + (s-s1-s2), 5,000 yen banknotes-G + t sheets, 2,000 yen banknotes- Update to F + u sheets, thousand yen banknotes-E + (v-v1-v2) sheets.

  In this way, when the banknote processing unit 4 processes a deposit transaction, a change occurs in the number of banknotes stored in the denomination cartridges 41 to 44 and the reject cartridge 45 depending on the banknotes inserted by the user. However, the number of banknotes stored in the denomination cartridges 41 to 44 and the reject cartridge 45 can be properly managed.

  Note that the number of banknotes stored in the denomination cartridges 41 to 44 and the reject cartridge 45 depending on the banknotes inserted by the user, even when a cash transfer transaction is performed, as in the case of the deposit transaction. Changes. The banknote processing unit 4 also processes transfer banknotes in the same manner as the above-described deposited banknotes, and updates the banknote management table.

  Next, the withdrawal transaction process in ATM1 is demonstrated. FIG. 7 is a flowchart showing ATM withdrawal transaction processing. When the withdrawal transaction is selected as the transaction type in the display / operation unit 3, the ATM 1 executes the process shown in FIG. The ATM 1 accepts the card inserted into the card insertion slot 6a and specifies an account for conducting a withdrawal transaction (s21). In s21, when a bankbook is inserted into the bankbook insertion slot 7a, this bankbook is also accepted. Further, in s21, biometric authentication using biometric information such as fingerprints and palm prints may be performed, and personal authentication may be performed to determine whether or not the user is a card owner (opener of an account that conducts the current transaction).

  The ATM 1 receives an input of a personal identification number in the display / operation unit 3 (s22). Further, the ATM 1 receives an input of the withdrawal amount in the display / operation unit 3 (s23).

  The ATM 1 transmits to the center an authentication request for the transaction including the account number of the account specified for the withdrawal transaction specified in s21, the password entered in s22, and the withdrawal amount entered in s23 (s24). Communication with the center is performed in the communication unit 8. In response to the transaction authentication request from the ATM 1, the center determines whether the passwords match or does not match, and the account balance is excessive or insufficient, and authenticates the transaction. The center returns an authentication result related to the availability of the transaction to ATM1.

  If the authentication result related to the availability of the transaction returned from the center is a transaction rejection (s25), the ATM 1 performs a transaction cancellation process (s26) and ends this process. In s26, the card accepted in s21 is discharged to the card insertion slot 6a. In addition, the reason why the transaction cannot be made, a wrong password, or a shortage of balance are displayed on the display 3a.

  In addition, without canceling the transaction in s26, re-entering the PIN or requesting the re-entry of the withdrawal amount by displaying the account balance, authenticating the transaction again with the re-entered PIN and withdrawal amount. The request may be transmitted to the center.

  ATM1 will perform the banknote feeding process in the banknote processing unit 4 (s27), if the authentication result concerning the propriety of the transaction returned from the center is possible (s25). This banknote payout process is a process of paying out banknotes according to the withdrawal amount received in s23 from the denomination cartridges 41 to 44 and transporting them to the banknote deposit / withdrawal port 4a.

  FIG. 8 is a flowchart showing the bill feeding process in s27. The banknote processing unit 4 determines the number of banknotes to be dispensed for each denomination based on the withdrawal amount received in s23 (s41). In s41, the number of withdrawals is set for the denomination banknote having the denomination type cartridges 41 to 44. In this example, the number of withdrawals of 10,000 yen bills and the number of withdrawals of 1000 yen bills are set.

  The banknote processing unit 4 determines the denomination cartridges 41 to 44 for feeding out the number of banknotes set in s41 for any denomination for which the number of withdrawals is set in s41 (s42). The banknote processing unit 4 feeds banknotes one by one from the denomination cartridges 41 to 44 determined by the transport unit 12 in s42 to the banknote transport path 40 and transports them to the identification unit 13. At this time, the transport unit 12 feeds out the banknote of the number of withdrawals set in s41 for the denomination from the denomination type cartridge determined in s42. The identification unit 13 identifies the denomination and authenticity of each banknote transported along the banknote transport path 40 (s43). As described above, the identification unit 13 detects the thickness of the banknote, the length in the transport direction, and the length in the direction perpendicular to the transport direction, and determines whether or not the banknote is one.

  The banknote processing unit 4 can identify that it is a denomination and a genuine note, and conveys the banknote determined to be one to the banknote deposit / withdrawal port 4a along the banknote conveyance path 40, and stores it (s44). . The banknote processing unit 4 transports and stores the banknote that could not be determined to be one, the banknote that could not be identified as a denomination, or a genuine note to the temporary storage unit 46 (s45).

  Each time the transport unit 12 transports the banknotes to the temporary storage unit 46 and stores them, it adds one banknote to be fed out from the denomination cartridges 41 to 44. The banknote processing unit 4 repeats the processes of s43 to s45 until the number of banknotes set in s41 for the denomination is stored in the banknote deposit / withdrawal port 4a (s46).

  The banknote handling unit 4 stores the number of banknotes set in s41 in the banknote deposit / withdrawal port 4a for the denominations of banknotes fed out from the denomination cartridges 41 to 44 determined in s42 (s46), and temporarily holds the unit 46. The presence / absence of banknotes stored in the card is determined (s47).

  At this time, the banknotes stored in the temporary storage unit 46 are the banknotes fed out from the denomination cartridges 41 to 44 determined in s42. Therefore, there is no problem even if the denominations of the banknotes stored in the temporary storage unit 46 at this time are denominations corresponding to the denomination cartridges 41 to 44 determined in s42. In the above-described processing, the number of banknotes fed out from the denomination cartridges 41 to 44 determined in s42 includes the number stored in the banknote deposit / withdrawal port 4a, the number stored in the temporary storage unit 46, Is the sum of The number of banknotes stored in the banknote deposit / withdrawal port 4a is the number set for the denomination in s41.

  If it determines with there being no banknote accommodated in the temporary storage part 46 by s47, the banknote processing unit 4 will perform the process after s52, without performing the process shown to s48-s51 shown below.

  If it determines with the banknote processing unit 4 having the banknote accommodated in the temporary storage part 46 by s47, in the conveyance part 12, the banknote accommodated in the temporary storage part 46 will be drawn | fed out one by one to the banknote conveyance path 40, It conveys to the identification part 13, and identifies a money type and authenticity (s48). Further, as described above, the identification unit 13 detects the thickness of the banknote, the length in the transport direction, and the length in the direction perpendicular to the transport direction in s48, and whether the banknote is one or not. Also determine if.

  The banknote processing unit 4 transports and stores the banknotes determined as having one identification unit 13 in s48 to the reject cartridge 45 (s49, s50). At this time, the banknote processing unit 4 conveys the banknote that can be identified as one to the reject cartridge 45 even if it is a banknote that cannot be identified as a denomination or genuine note by the identification unit 13. And store. At this time, the banknote processing unit 4 counts the number of banknotes stored in the reject cartridge 45.

  Moreover, the banknote processing unit 4 is s48, and about the banknote which could not determine with the identification part 13 being one sheet, the money type cartridges 41-44 which paid out this banknote (the money type cartridges 41-44 determined by s42) ) And stored (s49, s51).

  When the banknote processing unit 4 pays out all the banknotes stored in the temporary storage unit 46 and stores them in the reject cartridge 45 or the denomination cartridges 41 to 44 that have fed out the banknotes, the denomination cartridge 41 that has fed out the banknotes this time. The number of stored banknotes stored in the banknote management table for ~ 44 (deposit type cartridges 41 to 44 determined in s42) is updated (s52). In this bill feeding process, the number of bills fed out from the denomination cartridges 41 to 44 determined in s42 is the number obtained by adding the number x stored in the bill deposit / withdrawal port 4a and the number y stored in the reject cartridge 45. These are counted by the banknote processing unit 4 as described above. In s52, the money type cartridges 41 to 44 determined in s42 are updated to the number obtained by subtracting (x + y) from the number of banknotes stored in the banknote management table. Taking the banknote management table shown in FIG. 5 as an example, if the denomination cartridge 41 is determined as a cartridge for feeding out banknotes in s42, the number of 10,000 yen banknotes stored in the denomination cartridge 41 is A- ( x + y).

  Moreover, the banknote processing unit 4 updates the number of stored banknotes stored in the banknote management table for the reject cartridge 45 (s53). In s53, regarding the banknotes of denominations of the denomination cartridges 41 to 44 (the denomination type cartridges 41 to 44 determined in s42) that have been fed out this time, the number of stored sheets stored in the banknote management table is changed to the reject cartridge 45 in s50. Is updated to the number obtained by adding the number y stored. Taking the banknote management table shown in FIG. 5 as an example, if the money type cartridge 41 (or 42) is determined as a cartridge for feeding banknotes in s42, the number of 10,000 yen banknotes is updated to H + y. If the denomination type cartridge 43 (or 44) has been determined as a cartridge for feeding bills in s42, the number of thousand yen bills is updated to E + y.

  The banknote processing unit 4 has the above-described s42 to s53 if there is a denomination for which the above s42 to s53 are not processed among the denominations for which the number of discharged sheets is set in s41 (s54). Perform the process. The banknote processing unit 4 ends the process when the processes related to s42 to s54 described above are performed for all denominations whose number of discharged sheets has been determined in s41. At this time, the banknote deposit / withdrawal port 4a stores the number of banknotes set for each denomination in s41.

  Returning to FIG. 7, when the ATM 1 completes the above-described banknote feeding process according to s27, the banknote depositing / dispensing port 4a is opened to open the banknote depositing / dispensing banknote (the banknote stored in the banknote depositing / dispensing port 4a). Is released to the user (s28). In addition, ATM1 notifies the center of the completion of the transaction together with the transaction contents relating to the current withdrawal transaction in s28.

  Also, the ATM 1 discharges the card received in s21 to the card insertion slot 6a (s29). If ATM1 accepts the passbook in s21, for each transaction (at least the current withdrawal transaction) in the passbook processing unit 7, the transaction content of the transaction is printed on the passbook. The passbook is discharged to the passbook insertion slot 7a. ATM1 acquires the transaction content to be printed on the passbook from the center. If the ATM 1 does not accept the passbook in s21, the card processing / detail processing unit 6 releases the specification on which the transaction details of the current withdrawal transaction are printed to the specification release port 6b. ATM1 acquires the transaction content printed on the description from the center. The user receives the released passbook or statement.

  Thus, in the withdrawal transaction, when a multi-feed occurs in the banknotes fed out from the denomination cartridges 41 to 44, the banknotes are stored in the temporary storage unit 46. And when the multi-feed occurs in the banknote fed out from the temporary storage unit 46, the banknote is stored in the denomination type money cartridges 41 to 44. Therefore, even if multiple bills are fed, the number of bills fed out from the denomination cartridges 41 to 44 and stored in the bill deposit / withdrawal port 4a or the reject cartridge 45 can be accurately counted. Thereby, in the banknote management table, the number of banknotes stored for each of the denomination cartridges 41 to 44 can be properly managed, and the banknotes stored in the reject cartridge 45 are numbered for each denomination. Can be managed properly.

  In the above example, the banknote management table manages the number of banknotes stored for each denomination cartridge 41 to 44, but is stored in the denomination cartridges 41 to 44 for each denomination of banknotes. You may manage the number of the banknotes which are carried out. Specifically, the banknote management table manages the total number of stored denomination cartridges 41 and 42 whose denomination is 10,000 yen and the total number of denomination cartridges 43 and 44 whose denomination is 1,000 yen. It is good also as a structure. In this case, the denomination cartridges 41 to 44 that return the banknotes in s51 described above are not limited to the denomination cartridges 41 to 44 that feed out the banknotes, but other denomination cartridges 41 to 41 that store banknotes of the same denomination. You may convey to 44 and store.

  Further, in the processing shown in FIG. 8, the banknote that can be determined to be one in s49 is stored in the reject cartridge 45 regardless of whether or not its denomination and authenticity can be identified. As shown in FIG. 9, the banknote that can be identified as a denomination and a genuine note by adding s60 is transported to and stored in the money type cartridges 41 to 44 in which the banknote is fed out in s51. Good. In this case, the transport unit 12 transports and stores the banknote determined to be one in which the denomination and authenticity cannot be identified in s50 to the reject cartridge 45.

  In this case, a multi-feed is made when the money type cartridges 41 to 44 are fed out, and a multi-feed when a banknote stored in the temporary holding unit 46 without being determined to be one is fed out from the temporary holding unit 46. If not, the banknote can be returned to the denomination cartridges 41-44. Thereby, the number of banknotes stored in the reject cartridge 45 can be suppressed, and the labor of the staff involved in the replacement work of the reject cartridge 45 can be reduced. Moreover, since the frequency which accommodates the banknote which can be used for a transaction in the rejection cartridge 45 can be suppressed, a banknote can be efficiently used for a transaction.

  Further, as shown in FIG. 10, s61 is added, and a banknote that cannot be identified as a denomination or genuine note is transported and stored in denomination cartridges 41 to 44 that have fed out the banknote in s51. It is good also as a structure. In this case, the banknote that can be identified as a denomination and genuine note in s50 and determined to be one is transported to the reject cartridge 45 and stored.

  Thereby, the number of banknotes stored in the reject cartridge 45 can be suppressed, and the labor of the staff involved in the replacement work of the reject cartridge 45 can be reduced. Further, banknotes that cannot be identified as denominations or genuine bills can be prevented from being stored in the reject cartridge 45.

  Moreover, the banknote processing unit 4 is good also as a structure which repeats alternately the banknote feeding process shown in FIG. 8, and the banknote feeding process shown in FIG. 9 for every payment transaction.

  Moreover, the banknote processing unit 4 is good also as a structure which repeats alternately the banknote feeding process shown in FIG. 8, and the banknote feeding process shown in FIG. 10 for every payment transaction.

  In the above example, the present invention has been described by taking the case of managing the number of denominations of banknotes as an example. However, even coins can be managed in the same manner.

  Moreover, the money handling apparatus of this invention can be utilized not only for ATM demonstrated by the said embodiment but for another apparatus.

1 ... Automatic teller machine (ATM)
DESCRIPTION OF SYMBOLS 2 ... Main control part 3 ... Operation unit 3a ... Display device 3b ... Touch panel 4 ... Banknote processing unit 4a ... Banknote deposit / withdrawal port 5 ... Coin processing unit 5a ... Coin deposit / withdrawal port 11 ... Control unit 12 ... Conveyance unit 13 ... Identification unit DESCRIPTION OF SYMBOLS 14 ... Memory | storage part 15 ... Input / output part 40 ... Banknote conveyance path 41-44 ... Money type cartridge 45 ... Reject cartridge 46 ... Temporary reservation part

Claims (7)

A plurality of denomination cartridge containing the money to be used for transactions by denomination, a reject cartridge containing no matter denomination money which is not used for transaction, and receiving and dispensing port, the money along the money conveying path which connects the A currency transport section for transporting;
A currency identifying unit that identifies the currency for each currency that the currency transport unit is transporting along the currency transport path;
A storage number management unit for managing the number of money stored in the denomination cartridge according to the denomination and managing the number of money stored in the reject cartridge according to the denomination ;
With regard to the money of the denomination stored in any of the denomination type cartridges, a withdrawal number setting unit that sets the number of withdrawals stored in the deposit / withdrawal port as the number of withdrawals,
The money transport unit is
For the money of the denomination for which the withdrawal number setting unit has set the number of withdrawals, the money that has been paid out from the denomination cartridge storing the money of the denomination is identified by the money identifying unit, and the money that has been identified A first money transport control that transports and stores the money that could not be identified to the temporary storage unit that is passed through the money transport path;
Monetary housed in the escrow unit in the first currency transport control, when they are transported along the currency transport path, the money that number in the money identification unit could be determined, before cut objects cartridge A second money transport control for transporting and storing the money whose number has not been determined by the money recognition unit and storing it in a denomination cartridge of the same denomination as the denomination cartridge from which the money is fed out; , And
The storage amount management unit, the number of each denomination of money that has been transported to the entering dispensing port, and with the number of each denomination of money housed in the reject cartridge, the money that is stored in the denomination cartridge A monetary processing unit that manages the number of stored coins by denomination and manages the number of coins stored in the reject cartridge by denomination. The storing number management unit manages the storing number of money stored in the denomination cartridge for each denomination cartridge,
2. The money handling unit according to claim 1, wherein the second money transport control stores the money whose number could not be determined by the money recognition unit in a denomination cartridge that pays out the money. In the second money transfer control, the money stored in the temporary holding unit by the first money transfer control can be determined by the money recognition unit and the money whose denomination cannot be identified is rejected. Transport and store in a cartridge, and transport and store the money whose number of coins can be determined by the money recognition unit and whose type of money has been identified in the same denomination cartridge as the denomination cartridge from which the money is fed. The money handling unit according to claim 1 or 2 . The money transport unit is
A third money is fed out to the deposit / withdrawal port, the currency identified by the currency identification unit is transported and stored in the temporary storage unit, and the unidentified currency is returned to the deposit / withdrawal port. Money transfer control,
The money stored in the temporary holding unit is fed out by the third money transfer control, and the money that can be identified by the money identifying unit is transported to and stored in the denomination type cartridge of the corresponding denomination. And a fourth money transport control for transporting and storing in the reject cartridge,
The storage number management unit manages the number of coins stored for each of the denomination cartridges based on the number of coins stored by the fourth money transport control, and the temporary money control by the third money transport control. Based on the number of denominations of money conveyed and stored in the holding unit, and the number of denominations stored in the denomination cartridge in the fourth money conveyance control, the denomination of the money stored in the reject cartridge to, to manage the number of copies, the money handling unit according to any of claims 1-3. When the withdrawal number setting unit sets the number of withdrawals to be stored in the deposit / withdrawal port for the money of a plurality of denominations, the money transportation unit, the first money transportation control, and the second The money processing unit according to any one of claims 1 to 4 , wherein money transport control is repeated for each denomination. The storage amount management unit, for money denomination in the money identification unit can not be identified, managed as denomination corresponding to the denomination cartridge feeding the coins to either of claims 1 to 5 The money handling unit described. The money handling unit according to any one of claims 1 to 6 ,
An operation unit that accepts an input operation of a withdrawal amount,
The automatic transaction processing device, wherein the withdrawal number setting unit of the money handling unit sets the number of withdrawals of money stored in the deposit / withdrawal port according to the withdrawal amount received in the operation unit.

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