JP6502236B2 - Automatic cash transaction system, automatic cash transaction method and management device - Google Patents

Description

  The present invention relates to an automatic cash transaction system, an automatic cash transaction method, and an operating device.

  In the past, automated teller machines such as automated teller machines (hereinafter referred to as ATMs) were mainly independent of retail stores in other industries, such as the head office or branch of a financial institution, station square or station yard. It was installed in the place. In recent years, an automated teller machine has come to be installed mainly in convenience stores and the like, in retail stores, and in public facilities such as city halls and stations. However, even in an automated teller machine installed in a store or in a public facility, the ownership of cash in the apparatus is possessed by a financial institution and an operating company that manages the operation of the automated cash transaction apparatus. For this reason, for example, even if a defect such as a conveyance failure of a bill occurs in the automated teller machine, the employee or the manager of the store in which the automated teller machine is installed can not perform the recovery work. The restoration of the device had to wait until the staff of a financial institution or a management company arrived, and there was a problem that the user and the store would be greatly annoyed.

  Therefore, when a defect such as a bill conveyance failure occurs, the cash of the device can be restored by the employee or manager of the store by temporarily transferring the ownership of the cash in the device to the store side. There is an automatic trading system. In addition, the manager of the store is given ownership of cash in the automated teller machine, and every time a user deposits or withdraws in the automated teller machine, the amount deposited or deducted is used as the account balance of the store at the financial institution. There is a system to reflect.

Unexamined-Japanese-Patent No. 2003-323661 Japanese Patent Application Publication No. 2003-16525

  In recent years, the movement to install an automated teller machine in a retail store has further spread, and small retail stores are also targeted for installing an automated teller machine. For example, in a business format in which chains are developed, uniform services are required, and there is a tendency for the installation of automated teller machines to be required even in small stores with a small number of transactions.

  However, when installing an automated teller machine, not only the installation cost but also the operation cost is incurred, there are cases where a store with a small number of transactions can not be profitable. The items having a high ratio to the operation cost include the security service cost of dispatching a clerk when trouble occurs in the automated teller machine, and the mechanical security cost of mechanically guarding the automated cash transaction apparatus with a sensor or the like. For example, in the method of temporarily transferring cash in the device to the store side when a defect such as a bill conveyance failure occurs, the security attendance cost can be reduced, but machine security is necessary for detecting the defect. . In the method of giving ownership of cash in the automated teller machine to the store side, machine security costs can be reduced, but for example, security is not performed at night when there are no employees or managers in the store, etc. , It is difficult to secure the security on crime prevention.

  In one aspect, the present invention aims to provide an automatic cash transaction system, an automatic cash transaction method, and an operating apparatus that reduce operating expenses without compromising the security security of the automatic cash transaction system.

In one aspect, an automated teller system having an automated teller machine and an operating device is provided. Automatic teller machine is provided with a predetermined administrator is installed in the installation location for managing a storage unit for storing cash, a transaction unit for performing cash transactions with cash. The operation apparatus comprises a money management unit. Fund management unit, at the start of management is manageable period of the automatic teller machine by an administrator, the administrator account of the administrators before the start balance and the same amount of money information of the management period of cash, which is housed in the housing unit is subtracted from the management fund information of the administrator has been deposited, that you have the cash of the housing part by adding the fund information to the operational fund information of the financial institutions that have been deposited in the transaction apparatus operating account of a financial institution ownership information representing set to administrator, at the time of the management period, by subtracting the fund information from the operational fund information, to set the ownership information to the financial institution by adding the fund information to the management fund information.

Moreover, in one aspect, the cash automatic transaction method which an operating device performs is provided.
Also, in one aspect, an operating device comprising a money management unit is provided.

  According to one aspect, in the automated teller machine, the administrator of the installation site has ownership of cash in the storage section during a management period in which the administrator can manage the automated teller machine. On the other hand, the financial institution holds the ownership of cash in the storage department during the period when the manager can not manage it. During the management period of the automated teller machine, it is possible to perform on-site security monitoring by the administrator, and therefore, it is possible to reduce the security attendance cost and the machine security cost. As a result, the operation cost can be reduced without compromising the security of the crime prevention.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which shows the structure of the cash automatic transaction system of 1st Embodiment. It is a figure which shows the structure of the cash automatic transaction system of 2nd Embodiment. It is a figure showing the example of hardware constitutions of an operation server. It is a figure which shows an example of the outline of ATM. It is a figure which shows the hardware structural example of ATM. It is a block diagram which shows the function structure of a cash automatic transaction system. It is a figure which shows an example of ATM operation management information and transaction information. It is a figure which shows the flow of a process of a cash automatic transaction system. It is a figure which shows an example of the state of the money in operation start process. It is a figure which shows an example of the state of the money when a transaction is performed in the working state of ATM. It is a figure which shows an example of the state of the money in the completion | finish process of operation | use. It is a flowchart which shows the procedure of the operation start process of an operation server. It is a flow chart which shows the procedure of processing at the time of ATM operation of an operation server. It is a flowchart which shows the procedure of fault processing of ATM. It is a flow chart which shows the procedure of operation end processing of operation server.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
First Embodiment
FIG. 1 is a diagram showing the configuration of an automated cash transaction system according to the first embodiment.

The automated teller system of the first embodiment includes an automated teller machine 10 and an operating unit 20 of a financial institution.
The automated teller machine 10 is, for example, an ATM, and is installed at an installation place managed by a predetermined manager. The installation place is, for example, a place independent from a financial institution operating the cash automatic transaction apparatus 10, such as a retail store, and a management period in which the administrator can manage the cash automatic transaction apparatus 10 at the installation place, and management There is an unmanageable period that can not For example, the management period is a period during which a store is open, and the unmanaged period is a period during which a store is closed. The automated teller machine 10 has a storage unit 11 and a transaction unit 13 and is connected to the operation apparatus 20.

The storage unit 11 stores the cash 12. The amount of cash 12 stored increases or decreases with the cash transaction by the trading unit 13.
The trading unit 13 is, for example, a processor such as a CPU (Central Processing Unit). However, the trading unit 13 may include an electronic circuit for a specific application such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA). The trading unit 13 communicates with the operation apparatus 20 according to an instruction from the user, and performs cash transactions such as deposit and withdrawal to a user account managed by the operation apparatus 20 and transfer transactions without deposit and withdrawal of cash. Run.

  The operation device 20 is, for example, a server computer. The management device 20 includes a storage unit 21 and a storage unit 22 and a money management unit 23, and is connected to the automated teller machine 10. The operation management apparatus 20 may have a configuration in which a plurality of server computers cooperate to perform processing, for example.

  The storage unit 21 and the storage unit 22 are, for example, a volatile storage device such as a random access memory (RAM) or a non-volatile storage device such as a hard disk drive (HDD) or a flash memory. The storage unit 21 stores information of the transaction apparatus operating account 21 a regarding the operation funds of the cash automatic transaction apparatus 10 by the financial institution. The storage unit 22 stores information of a manager account 22a related to funds managed by a manager of an installation place where the cash automated teller machine 10 is installed. In the manager account 22a, for example, operation funds of a store at the installation place are deposited. Although each information is divided into the storage unit 21 and the storage unit 22 in the example of FIG. 1, the same storage unit may be used.

  The money management unit 23 is, for example, a processor such as a CPU. Similar to the trading unit 13, the money management unit 23 may include electronic circuits for specific applications such as ASICs and FPGAs. The processor executes a program stored in a memory such as a RAM. The program includes a money management program. A set of multiple processors (multiprocessor) may be called a "processor". The cash management unit 23 manages the cash 12 stored in the storage unit 11 of the cash transaction apparatus operating account 21 a, the manager account 22 a and the automated teller machine 10. The fund management unit 23 transfers funds between the transaction apparatus operation account 21a and the manager account 22a, and the ownership of the cash 12 stored in the storage unit 11 of the automated teller machine 10 according to the transfer of funds. Move between the site manager and the financial institution. The cash management unit 23 uses the manager's account 22a to transfer the same amount of money as the pre-start balance of the cash 12 in the storage unit 11 before the start of the management period when the manager starts the management period of the automated teller machine 10 It moves to the operation account 21a and transfers the ownership of the cash 12 in the storage unit 11 to the manager. Further, at the end of the management period, the cash management unit 23 transfers the same amount of money as the balance before the start of the management period from the transaction device operating account 21a to the administrator account 22a at the end of the management period of the cash automatic transaction apparatus 10. , Transfer ownership of cash 12 in storage 11 to a financial institution.

The operation of such a cash transaction system will be described using an example shown in FIG.
The automated teller machine 10 is installed, for example, at a place such as a retail store where there is either a manager or an employee authorized by the manager and there is a management period in which the automated teller machine 10 can be managed. For example, the time when the store is open can be set as the management period.

  In the example illustrated in FIG. 1, at the start of the management period of the automated teller machine 10, the storage unit 11 stores the cash 12 of the start balance [A]. Also, before the management period, the financial institution has the ownership of the cash 12 of the storage unit 11.

  At the start of the management period of the automated teller machine 10, the money management unit 23 of the management apparatus 20 transfers the same amount of funds [A] as the start balance [A] from the manager account 22a to the transaction apparatus operation account 21a of the financial institution. And transfer the ownership of the cash 12 in the storage 11 to the manager. At this time, although the amount of funds [A] is reduced from the manager account 22a, the manager instead obtains ownership of the cash 12 in the storage 11 of the same amount. That is, it is the same as moving the funds in the administrator account 22a to the storage unit 11, and the total amount of funds owned by the administrator does not change. The same is true for the financial institution, which is the same as the transfer of the cash 12 in the storage unit 11 to the transaction apparatus operating account 21a, and the total amount of assets owned by the financial institution does not change.

  Thus, in the management period, the manager has the ownership of the cash 12 of the storage unit 11. In the management period, a cash transaction is performed by the automated teller machine 10 by the user. A manager having ownership of cash 12 can perform restoration work for a defect related to cash 12 of cash automatic transaction apparatus 10 that occurs in such a cash transaction. For example, in the case of a dispensing transaction, a transport failure may occur in the transport mechanism that transports the cash 12 from the storage unit 11 to the outlet. At this time, since the manager has the ownership of the cash 12 in the storage unit 11, the manager or an employee who has obtained the manager's permission can perform the restoration work. The manager or the employee restores the automated teller machine 10 by, for example, removing the banknotes jammed in the transport mechanism and resetting the banknotes. During the management period in which the store is open, a manager or employee is resident in the store, and a resident guard by the manager or employee is possible. For this reason, security on crime prevention can be secured by a manager or an employee. Therefore, in the management period, in the contract with the management company, for example, it is possible to reduce the use item of the security service such as security attendance or machine security when a failure occurs in the automated cash transaction apparatus 10, and to reduce the operation cost.

  At the end of the management period, cash 12 of the closing balance [A + α] is stored in the storage unit 11 by the transaction during the management period. α indicates the amount of money that has increased or decreased from the starting balance [A] by the transaction. The money management unit 23 of the management apparatus 20 moves the money [A] equal to the start balance [A] from the manager account 22a to the transaction apparatus operation account 21a, and gives the ownership of the cash 12 of the storage unit 11 to the financial institution. Moving. At this time, instead of releasing the ownership of the cash 12 of the storage unit 11, the manager [A] returned to the manager account 22a at the start of the management period of the automated teller machine 10 is returned. That is, at the start of the management period of the automated teller machine 10, it is the same as returning the funds moved from the manager account 22a to the storage section 11, and the total amount of funds owned by the manager does not change. On the other hand, the financial institution has the ownership of cash 12 of the closing balance [A + α] in the automated teller machine 10, although the starting balance [A] decreases from the transaction apparatus operating account 21a. For example, a financial institution or an operating company can activate a monitoring sensor disposed in a store at the installation site or inside the automated teller machine 10 to start machine security. During an unmanageable period in which there are no managers or employees in the store, it is not possible to perform on-site security guards by the manager or the like, but security on crime prevention can be ensured by performing mechanical security.

Thus, the automated teller system of the first embodiment can reduce the operating cost of the automated teller machine 10 without compromising the security security.
Second Embodiment
Next, a second embodiment will be described.

  FIG. 2 is a diagram showing the configuration of the automated teller machine of the second embodiment. In the automated teller machine according to the second embodiment, the ATM 100, the operation server 200, the financial institution server 300, the account information DB (DataBase) 400, the monitoring sensor 500, and the security center 600 are networks 701 and 702. Connect through In the example of FIG. 2, the ATM 100, the operation server 200, the monitoring sensor 500, and the security center 600 are connected via the network 701. The operation server 200 and the financial institution server 300 are connected via the network 702.

  The ATM 100 is an embodiment of the automated teller machine 10 of the first embodiment. The ATM 100 is installed in a retail store managed by a store manager. The ATM 100 starts operation when the store is opened and stops operation when the store is closed. A management period during which the store manager and the employee manage the ATM 100 is a period from the opening of the store to the closing of the store.

  The operation server 200 is a server that manages the operation of the ATM 100. The financial institution server 300 connects to the account information DB 400 storing the customer's account information, and performs a financial transaction according to the instruction from the customer. The operation server 200, the financial institution server 300, and the account information DB 400 are an embodiment of the operation device 20 of the first embodiment.

  The monitoring sensor 500 is disposed in the store where the ATM 100 is installed and / or in the device of the ATM 100, or both, and monitors the state of the ATM 100. The monitoring targets of the monitoring sensor 500 include monitoring of a defect that needs to be handled by the manager of the ATM 100 and security monitoring that monitors a suspicious person or the like. For example, in the case of a sensor that detects a defect in the ATM 100, a defect such as a conveyance failure of a bill or a shortage of sheets in a receipt for recording a transaction is detected. The detected fault is operated by an alarm provided in the ATM 100 to notify an administrator or employee resident in the installation location. In addition, it notifies the operation server 200 and the security center 600 via the network 701 as necessary. Further, as surveillance for crime prevention, a shock applied to the ATM 100, a person approaching the ATM 100 out of operation time, and the like are detected, and notified to the operation server 200 and the security center 600.

  The security center 600 is an operating device of a security company that guards the ATM 100 according to a contract with a financial institution and a store, or a security company operating commissioned by the management company. In the example shown in FIG. 2, the security center 600 performs mechanical security of the ATM 100 in a period excluding a management period in which a store manager or the like manages the ATM 100 according to an instruction of the operation server 200.

  FIG. 3 is a diagram showing an example of the hardware configuration of the operation server. The operation server 200 is entirely controlled by the CPU 201. A RAM 202 and a plurality of peripheral devices are connected to the CPU 201 via a bus 208.

  The RAM 202 is used as a main storage device of the operation server 200. The RAM 202 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the CPU 201. Further, various data necessary for processing by the CPU 201 is stored in the RAM 202.

  As peripheral devices connected to the bus 208, there are an HDD 203, a graphic processing device 204, an input interface 205, an optical drive device 206, and a communication interface 207.

  The HDD 203 magnetically writes data to and reads data from a built-in disk. The HDD 203 is used as a secondary storage device of the operation server 200. The HDD 203 stores an OS program, an application program, and various data. A semiconductor storage device such as a flash memory can also be used as the secondary storage device.

  A monitor 25 is connected to the graphic processing device 204. The graphic processing device 204 displays an image on the screen of the monitor 25 in accordance with an instruction from the CPU 201. The monitor 25 may be a display device using a CRT (Cathode Ray Tube) or a liquid crystal display device.

  A keyboard 26 and a mouse 27 are connected to the input interface 205. The input interface 205 transmits a signal sent from the keyboard 26 or the mouse 27 to the CPU 201. The mouse 27 is an example of a pointing device, and other pointing devices can also be used. Other pointing devices include touch panels, tablets, touch pads, and track balls.

  The optical drive device 206 reads data recorded on the optical disk 28 using a laser beam or the like. The optical disc 28 is a portable recording medium in which data is recorded so as to be readable by reflection of light. The optical disc 28 includes a DVD (Digital Versatile Disc), a DVD-RAM, a CD-ROM (Compact Disc Read Only Memory), a CD-R (Recordable) / RW (ReWritable), and the like.

  The communication interface 207 is connected to the network 701. The communication interface 207 transmits and receives data to and from another computer or communication device via the network 701. The communication interface 207 is also connected to the network 702.

  The processing function of the present embodiment can be realized by the hardware configuration as described above. Although FIG. 3 shows the hardware configuration of the operation server 200, the financial institution server 300 and the security center 600 also have the same hardware configuration.

  FIG. 4 is a view showing an example of the outline of the ATM. The ATM 100 has a user operation unit 101, a card / receipt unit 102, a bill depositing / dispensing unit 103, and a ten key input unit 104.

  The user operation unit 101 has a display and a touch panel, and provides guidance on transaction operations in the ATM and accepts instructions. The card / receipt unit 102 inserts and discharges cards in transactions using cards such as cash cards and credit cards. It also discharges the receipt issued at the end of the transaction. The bill deposit / withdrawal unit 103 processes the delivery of the bill at the time of deposit and withdrawal transactions. The ten-key input unit 104 includes keys for inputting numbers and the like, and cooperates with the touch panel of the user operation unit 101 to receive an instruction of the user.

  FIG. 5 is a diagram showing an example of the hardware configuration of the ATM. The ATM 100 includes a control unit 110, a display 101a, a touch panel 101b, a card / receipt processing unit 102a, a bill processing unit 103a, and a key input control unit 104a.

  The control unit 110 includes a CPU 111, a RAM 112, an HDD 113, an external communication interface 114, a display processing unit 115, a key processing unit 116, and an I / O (Input / Output) control unit 117, each connected via a bus 118 ing. The control unit 110 is an example of a computer.

  The CPU 111 controls the overall operation of the ATM 100. The RAM 112 temporarily stores at least part of an OS program and application programs to be executed by the CPU 111. In addition, various data necessary for processing by the CPU 111 are stored in the RAM 112. The HDD 113 stores the OS and application programs. An external communication interface 114 is connected to the network 701, and transmits and receives data to and from other computers.

  A display 101 a is connected to the display processing unit 115. The display 101a constitutes the user operation unit 101 together with the touch panel 101b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 101 a under the control of the CPU 111. The touch panel 101 b is connected to the key processing unit 116. The touch panel 101 b is formed on the upper layer of the display 101 a. The key processing unit 116 detects the position on the screen where the finger of the user touches or approaches the touch panel 101 b, and notifies the CPU 111 of the position.

  The card / receipt processing unit 102a, the bill processing unit 103a, and the key input control unit 104a are connected to the I / O control unit 117. Under the control of the CPU 111, the I / O control unit 117 notifies each unit to be connected of an instruction from the CPU 111, and sends information acquired from each unit to the CPU 111 via the bus 118. The card / receipt processing unit 102a is provided in the card / receipt unit 102, and controls card loading and unloading and receipt printing.

  The bill processing unit 103a is provided in the bill depositing and dispensing unit 103, and controls the depositing and dispensing of the bill and the opening and closing of the shutter on the front of the bill depositing and dispensing unit 103 according to the instruction of the CPU 111. The bill processing unit 103a has a conveyance mechanism for conveying a bill, and conveys the bill to the bill storage unit 105 for storing the bill. The banknotes received from the banknote deposit / withdrawal unit 103 are transported by the transport mechanism of the banknote handling unit 103 a and stored in the banknote storage unit 105. The bills dispensed from the bill depositing / dispensing unit 103 are taken out from the bill storage unit 105 by the transport mechanism of the bill processing unit 103 a and conveyed to the bill depositing / dispensing unit 103.

The key input control unit 104 a is provided in the ten key input unit 104, inputs key operation information operated by the user, and sends it to the CPU 111.
The processing function of the present embodiment can be realized by the hardware configuration as described above. The above configuration is an example, and the combination of the components of the ATM 100 is appropriately determined. Among the above configurations, unnecessary ones may be deleted, or, for example, biometric authentication units such as palm veins and finger veins, non-contact IC units corresponding to non-contact ICs, and coin processing units may be added.

  FIG. 6 is a block diagram showing a functional configuration of the automated teller machine. FIG. 6 shows functional blocks of the ATM 100, the operation server 200, the financial institution server 300, and the security center 600.

  The ATM 100 has a control unit 110, a display unit 120, and an operation input unit 130, and processes a transaction using cash in the bill storage unit 105. The control unit 110, the display unit 120, and the operation input unit 130 can be realized as modules of a program executed by the CPU 111. The control unit 110 controls the entire apparatus, transmits the transaction request of the user acquired from the operation input unit 130 to the operation server 200, and based on the display information acquired from the financial institution server 300 via the operation server 200, The display unit 120 performs display. Further, the control unit 110 drives the bill processing unit 103a, and operates the payment from the bill storage unit 105 and the payment to the bill storage unit 105 along with the transaction processing. The display unit 120 generates display data according to the control unit 110, and outputs the display data to the display processing unit 115. The operation input unit 130 analyzes the user's instruction based on the key operation information acquired from the key processing unit 116 and the key input control unit 104 a, and notifies the control unit 110 of the analysis result.

  The operation server 200 includes a transaction relay unit 210, an operation management unit 220, and a storage unit 230. The transaction relay unit 210 and the operation management unit 220 can be realized as modules of a program that the CPU 201 executes. The storage unit 230 can be realized as a storage area secured in the RAM 202 or the HDD 203. The transaction relay unit 210 transmits the transaction request received from the ATM 100 via the network 701 to the financial institution server 300 via the network 702. The transaction relay unit 210 also transmits a transaction execution instruction received from the financial institution server 300 via the network 702 to the ATM 100 via the network 701. The operation management unit 220 manages the operation of the ATM 100. When the start notification of the ATM 100 is received, a transfer request for funds is sent to the financial institution server 300, and after the transfer of funds is completed, the operation of the ATM 100 is permitted. Also, when the ATM 100 stop request is received, it requests the financial institution server 300 to settle and transfer the funds, and permits the ATM 100 to stop after the transfer of the funds is completed. The operation management unit 220 instructs the security center 600 to terminate the security of the machine 100 when transferring the ownership of cash of the ATM 100 to the administrator, and transfers the ownership of cash of the ATM 100 to the financial institution. Indicate the start of the The operation management unit 220 manages the operation of the management target ATM 100 based on the ATM operation management information of the ATM 100 that manages the operation and the transaction information by the management target ATM 100. The storage unit 230 stores ATM operation management information and transaction information. An example of ATM operation management information and transaction information will be described later with reference to FIG.

  The financial institution server 300 has a transaction processing unit 310 and a money management unit 320, and connects to the account information DB 400. The transaction processing unit 310 and the money management unit 320 can be realized as modules of a program executed by the CPU. The transaction processing unit 310 executes transaction processing in response to the transaction request of the ATM 100 received via the operation server 200. The transaction processing unit 310 updates the account information of the transaction target account stored in the account information DB 400 according to the content of the transaction. The account information DB 400 stores an ATM operation fund account 410 provided by a financial institution for the operation of the ATM 100 and a shop account 420 of a shop. The ATM operation fund account 410 is an embodiment of the transaction apparatus operation account 21a shown in FIG. The store account 420 is an embodiment of the manager account 22a shown in FIG. The fund management unit 320 transfers funds between the store account 420 and the ATM operation fund account 410 according to an instruction of the operation management unit 220 of the operation server 200. When the ATM 100 starts operation, the money management unit 320 transfers the same amount of money as the cash balance stored in the bill processing unit 103a from the store account 420 to the ATM operation money account 410. Further, when the ATM 100 ends the operation, the money management unit 320 transfers the same amount of money from the ATM operation fund account 410 to the shop account 420 when the operation is started.

  The security center 600 has a control unit 610 and a monitoring unit 620. The control unit 610 and the monitoring unit 620 can be realized as modules of programs executed by the CPU. Control unit 610 determines the start and end of machine security in accordance with an instruction from operation management unit 220 of operation server 200. The control unit 610 performs a security process according to the content of the alarm received from the monitoring unit 620 during the execution period of the machine security. The monitoring unit 620 acquires a detection signal of the monitoring sensor 500 and issues an alarm to the control unit 610 when an abnormal state is detected.

  FIG. 7 is a diagram showing an example of ATM operation management information and transaction information. The operation server 200 stores ATM operation management information 231 of ATM to be managed and transaction information 232 of each ATM 100 in the storage unit 230, and performs ATM operation processing based on the information.

  The ATM operation management information 231 shown in FIG. 7 includes information items of ATM identification number, shop account, operation status, machine security, cash balance and ownership. "ATM identification number" is an identification number assigned to an ATM to be managed. "Store account" indicates a store account of a store where the ATM is installed. The "operating state" of ATM indicates the operating state of ATM. The operation state includes a stop state in which the ATM corresponding to the ATM identification number is in the operation stop state and an operation state in which the transaction is possible. The "machine security" indicates whether the machine security for the ATM corresponding to the ATM identification number is performed. "On" indicates that mechanical security is being performed, and "off" indicates that mechanical security is not being performed. "Cash balance" indicates the balance of cash stored in the ATM. "Ownership" indicates where the cash in the ATM is owned.

  The transaction information 232 is transaction history information provided for each ATM. In the example of FIG. 7, the transaction information 232 is a history of ATM transactions of the ATM identification number “002”. The transaction information 232 includes date and time, status / transaction, amount, cash balance and unpaid money. “Date and time” is information in which the date and time when the operation state changed and the date and time when the transaction was performed are recorded. The “state / transaction” is information such as the factor that the operation state has changed, or the executed transaction. "Amount" indicates the executed transaction. "Cash balance" indicates the cash balance in the ATM at the time corresponding to the "date and time". The “unpaid balance” indicates the amount of money that has not been settled between the ATM operation fund account 410 and the store account 420 and the ATM at the time corresponding to the “date and time”.

  The operation server 200 operates the ATM based on the ATM operation management information 231 and the transaction information 232. The above ATM operation management information 231 and the transaction information 232 are an example, and the information items are appropriately added or deleted. Also, the transaction information 232 may be held by the ATM.

The flow of processing of the automated teller machine having such a configuration will be described with reference to FIG. FIG. 8 is a diagram showing the flow of processing of the automated teller machine.
The ATM 100 is in the stop state 171 where the power is turned off before the store at the installation location is opened, the operation preparation state 172 where the power is turned on at the time of opening and prepares to transition to the operating state 172, the operation state 173, The operating state of the stop preparation state 174 for repeating the termination process before the power is turned off and stopped is repeated. The operation server 200 managing the operation of the ATM 100 executes the operation start process 221, the transaction relay process 222, and the operation end process 223 in accordance with the operation state of the ATM 100. Also, the security of the security center 600 changes in accordance with the operation state of the ATM 100. In the operation state 173 and the stop preparation state 174, the resident guard 632 by the store manager or employee is performed, and when in the stop state 171, the machine guard 631 by the security center 600 is performed.

  The flow of processing after the activation instruction 801 is input to the ATM 100 in the stop state 171 will be described below. The start instruction 801 is, for example, a reset signal generated when the power is turned on. The control unit 110 of the ATM 100 having input the start instruction 801 shifts the operation state to the operation preparation state 172 and transmits the start notification 802 to the operation server 200.

  In the operation server 200 that has received the start notification 802, the operation management unit 220 starts the operation start process 221. The operation management unit 220 transmits, to the financial institution server 300, a fund transfer request 803 for transferring funds from the store account 420 to the ATM operating fund account 410. The fund management unit 320 of the financial institution server 300 that has received the fund transfer request 803 performs a fund transfer process 321 for transferring the same amount of money as the cash balance stored in the ATM 100 from the store account 420 to the ATM operation fund account 410. At this time, the ownership of cash in the ATM 100 is transferred from the financial institution to the store. The funds management unit 320 transmits a completion notification 804 to the operation server 200 after the funds transfer is completed. The operation management unit 220 of the operation server 200 having received the completion notice 804 of the fund transfer completes the operation start processing 221 and transmits an apparatus operation notification 805 for notifying the operation permission of the ATM 100 to the ATM 100 and the security center 600. Upon receiving the device operation notification 805, the ATM 100 changes the operation state to the operation state 173, and enables the user to perform a transaction operation. Also, the security center 600 that has received the device operation notification 805 stops the mechanical security. Along with this, the security of the ATM 100 shifts to a resident security 632 by the manager and employees in the store. During the period of the stationary security 632, security by the security center 600 is not performed.

  The ATM 100 in the operating state 173 receives an operation input by the user. When the control unit 110 of the ATM 100 receives a transaction instruction of the user via the operation input unit 130, the control unit 110 transmits a transaction request 806 to the operation server 200. The transaction relay unit 210 of the operation server 200 that has received the transaction request 806 via the network 701 transmits the transaction request 807 to the financial institution server 300 via the network 702. The transaction relay unit 210 transmits to the financial institution server 300 a transaction request 807 obtained by converting the transaction request 806 according to the financial institution server 300 as necessary. The transaction processing unit 310 of the financial institution server 300 that has received the transaction request 807 performs a credit process 322 that determines whether or not a transaction can be made. The transaction processing unit 310 collates the contents of the transaction request 807 with the user account to determine whether a transaction is possible, and transmits a transaction permission 808 if it is possible. The transaction relay unit 210 of the operation server 200 that has received the transaction permission 808 via the network 702 transmits the transaction permission 809 to the ATM 100 via the network 701. In the ATM 100 having received the transaction permission 809, the control unit 110 executes the transaction. In the case of the dispensing transaction, the control unit 110 dispenses the banknote stored in the banknote processing unit 103a. At this time, since the ownership of the banknotes stored in the banknote storage unit 105 is in the store, the property of the store decreases with the withdrawal. The transaction relay unit 210 stores the amount of money withdrawn as transaction money of the financial institution in transaction information. In the case of a deposit transaction, conversely, the amount of deposit is stored in the transaction information as a deposit of the financial institution. The transaction information may be stored in the control unit 110 of the ATM 100.

  By the way, when ATM100 is performing transaction processing accompanied by cash deposit and withdrawal, problems, such as a conveyance failure of a bill in bill processing unit 103a, may occur. When the ATM 100 is in the operating state 173, since the cash in the ATM 100 is owned by the store, the manager and an employee who has obtained the manager's permission can perform recovery processing.

  When the store closing time is reached, a stop instruction 810 by a manager or the like is input to the ATM 100. The ATM 100 shifts the operating state to the stop preparation state 174, and transmits a stop request 811 to the operation server 200. When the operation server 200 does not hold transaction information, the transaction information is also transmitted from the ATM 100. The operation server 200 having received the stop request 811 starts the operation termination process 223. The operation management unit 220 of the operation server 200 transmits the settlement request 812 including the notification of the unpaid amount to the financial institution server 300 in the operation termination process 223. The financial institution server 300 that receives the settlement request 812 starts the funds settlement processing 333. The money management unit 320 of the financial institution server 300 updates the store account 420 and the ATM operation funds account 410 based on the unpaid balance received. The money management unit 320 transfers the same amount of money from the store account 420 to the ATM operation money account 410 because the deposit of the ATM 100 is owned by the financial institution. On the other hand, since the repayment is owned by the store, the same amount of money is transferred from the ATM operation fund account 410 to the store account 420. After the settlement is completed, the money management unit 320 of the financial institution server 300 transmits a completion notice 813 to the operation server 200. The operation management unit 220 of the operation server 200 receives the completion notification 813, and transfers the money transfer request 814 for transferring the same amount of money as the cash balance stored in the ATM 100 from the ATM operation fund account 410 to the store account 420 Send to 300 At this time, the operation management unit 220 also transmits a notification of the current cash balance of the ATM 100 to the financial institution server 300.

  The financial institution server 300 executes the fund transfer process 334 to transfer the same amount of money as the cash balance of the ATM 100 from the ATM operation fund account 410 to the store account 420 and transfer the ownership of cash in the ATM 100 to the financial institution. Do. Note that, with this money transfer process, the balance of the store account 420 returns to the state before the money transfer process 321 is performed. That is, this is equivalent to depositing the same amount of money as the amount of money dispensed from the store account 420 before the start of operation of the ATM 100 to the store account 420. On the other hand, the money management unit 320 transmits a completion notification 815 to the operation server 200 after the transfer of funds is completed to the ATM operating funds account 410 of the financial institution. The operation server 200 that has received the completion notification 815 transmits, to the ATM 100 and the security center 600, a device stop notification 816 for giving permission to stop the ATM 100. Upon receiving the device stop notification 816, the ATM 100 stops the process and closes the station. Also, the security center 600 having received the device stop notification 816 starts the mechanical security 631 of the ATM 100.

  In the processing of the automated cash transaction system shown in FIG. 8, the operating time of the ATM 100 is the opening time of the store, but the present invention is not limited to this. For example, the ATM 100 may be operated even during a time slot in which the store is closed. In a cash automated transaction system, when a store is open and a manager or employee of the store is in the vicinity of the ATM 100 and can perform on-the-spot security, the store is given the ownership of cash of the ATM 100 . On the other hand, in the time slot when the store is closed and no employee etc., the financial institution is given the ownership of cash of the ATM 100 to perform machine security.

Next, cash management in the ATM 100 will be described with reference to specific examples shown in FIGS.
FIG. 9 is a diagram showing an example of the state of funds in the operation start process. FIG. 9 (1) shows the state of funds before the operation start process, and FIG. 9 (2) shows the state of funds after the operation start process.

  The balance 141 before the start processing of the ATM cash 140 shown in FIG. 9 (1) is “¥ 1,005,000”, and the ownership is owned by the financial institution. The balance 411 before the operation start process of the ATM operation fund account 410 is “¥ 10,000,000”, and the balance 421 before the operation start process of the store account 420 is “¥ 2,005,000”. The ownership of cash 140 in ATM is owned by the financial institution, and the financial institution holds the sum of the cash 140 in ATM and the funds of ATM operation fund account 410 (¥ 11,005,000). In the operation start process 221 by the operation server 200, the money transfer process 321 is performed by the financial institution server 300.

  As shown in FIG. 9 (2), the transfer funds 432 of the same amount (¥ 1,005,000) as the balance 141 before the operation start processing of the cash 140 in the ATM is from the store account 420 by the fund transfer processing 321. Move to account 410. Also, with the transfer of funds, the ownership of cash 140 in the ATM is transferred from the financial institution to the store. As a result, although the funds 412 after the operation start processing of the ATM operation fund account 410 of the financial institution becomes “¥ 11,005,000”, the ownership of the cash 140 in the ATM disappears, so the total amount held is the operation start processing Same as before. The funds held by the store are reduced to ¥ 1,000,000 for the funds 422 after the start of operation of the store account 420, but since it has the ownership of the cash 140 in the ATM, The total amount is the same as before the operation start process.

  FIG. 10 is a diagram showing an example of the state of funds when a transaction is performed in an ATM operating state. FIG. 10 (1) shows the state of funds after the withdrawal transaction, and FIG. 10 (2) shows the state of funds after the deposit transaction.

  In the withdrawal transaction shown in FIG. 10 (1), withdrawal 151 of “¥ 30,000” is made from cash in ATM 140, and balance 143 after withdrawal transaction of cash 140 in ATM is “¥ 975,000”. Become. The balance 413 after the withdrawal transaction of the ATM operation funds account 410 and the balance 423 after the withdrawal transaction of the store account 420 do not change. Here, the cash 140 in the ATM used for the withdrawal 151 is the money on the side of the store, not the financial institution. Therefore, in the withdrawal transaction process, the withdrawal 151 is used as a withdrawal on the shop side, and "+30,000" is recorded as the unpaid money 161. Management of unpaid money 161 may be performed by either the ATM 100 or the operation server 200. In this example, for convenience, the advance payment is "+", the deposit is "-", and the unpaid balance is obtained.

  The deposit process shown in FIG. 10 (2) is performed after the withdrawal process of FIG. 10 (1). In the deposit process shown in FIG. 10 (2), a deposit 152 of “¥ 100,000” is made in the ATM 100, and the balance 144 after the deposit transaction of the cash 140 in the ATM becomes “¥ 1,075,000”. The balance 414 after withdrawal of the ATM working capital account 410 and the balance 424 after deposit transaction of the store account 420 do not change. Here, the funds increased by the deposit 152 are funds of a financial institution, not those of a store. Therefore, in the deposit transaction process, the deposit 152 is used as a deposit on the store side, and "-70,000" is recorded as the unpaid account 162. The unpaid balance 162 is an amount obtained by adding the received “100,000” to “+30,000” of the unpaid balance 161 before the deposit processing.

While the ATM 100 is in the operating state 173, the above-described withdrawal transaction and deposit transaction are repeated.
FIG. 11 is a diagram showing an example of the state of funds in the operation termination process. FIG. 11 (1) shows the state of funds after settlement, and FIG. 11 (2) shows the state of funds after the end of operation.

  FIG. 11 (1) shows a state where the settlement process has been performed in the state after the deposit transaction shown in FIG. 10 (2). In response to the settlement request 812 of the operation server 200, the financial institution server 300 transfers the same amount of money as the unpaid money 162 from the ATM operation fund account 410 to the store account 420. In the example of FIG. 11 (1), “−70,000” of unpaid money 162 is subtracted from the ATM operation fund account 410, and the balance 415 of the ATM operation fund account 410 after settlement is “¥ 11,075, It becomes "000". Further, “−70,000” of unpaid money 162 is added to the shop account 420, and the balance 425 of the shop account 420 after settlement is “¥ 930,000”.

  In the operation termination process 223, after the settlement is completed, the transfer of the funds is requested to the financial institution server 300. At the end of operation, the transfer funds 433 of the same amount as “¥ 1,075,000” of the cash balance 146 in the ATM 100 are transferred from the ATM operation fund account 410 to the store account 420. In addition, the ownership of cash 140 in the ATM moves from the store to the financial institution. As a result, the balance 416 of the ATM operation funds account 410 after the operation termination processing becomes “¥ 10,000,000”. The balance 424 after the deposit transaction of the store account 420 is “¥ 2,005,000”. The funds owned by the financial institution are the same amount of funds as the balance 411 of the ATM operation fund account 410 before the operation start processing shown in FIG. 9 (1) and the cash within ATMs increased by ¥ 70,000 due to the operation. become. On the other hand, the funds for which the store has ownership are the funds for the store account 420, which are the same as the funds before the operation start process.

On the next operation day, the operation processing starts from "¥ 1,075,000" of the balance 146 of the cash 140 in the ATM after the operation termination processing.
Next, the processing procedure of the operation start process 221, the transaction relay process 222, and the operation end process 223 executed by the operation server 200 will be described using a flowchart. The transaction relay process 222 is an ATM operation performed by the operation server 200 while the ATM is in operation including the transaction relay process 222 when the transaction request 806 is received from the ATM 100 and the process when the failure notification is received. It will be described as the hour process.

FIG. 12 is a flowchart of the operation start process of the operation server.
The operation server 200 receives the start notification 802 from the ATM 100 and starts processing. The activation notification 802 includes the identification number of the ATM 100.

  [Step S11] The operation management unit 220 acquires the cash balance in the ATM. The cash balance in the ATM may be acquired from the ATM 100 that transmitted the activation notification 802 for confirmation. Also, the cash balance recorded in the ATM operation management information 231 may be read out.

  [Step S12] The operation management unit 220 reads an ATM shop account from the ATM operation management information 231 based on the ATM identification number, and identifies the ATM identification number, the shop account, and the cash balance in the ATM. The operation management unit 220 attaches an ATM identification number, a store account, and a cash balance to the financial institution server 300, and transmits a request for transferring the funds 803 from the store account of the same amount as the cash balance to the ATM operating fund account.

  [Step S13] The operation management unit 220 checks the completion notification 804 and determines whether the transfer of funds has been executed. When the transfer of funds is executed, the operation management unit 220 advances the process to step S14. If transfer of funds is not executed due to a shortage of balance in the store account, the process proceeds to step S15.

  [Step S14] The operation management unit 220 transmits, to the ATM 100 and the security center 600, an apparatus operation notification 805 for permitting the operation of the ATM when the transfer of funds is executed. Also, the ATM operation management information 231 is updated. The operation management unit 220 sets the “operation status” of the corresponding ATM as “operation”, “machine security” as “off”, and “ownership” as “store”. After the ATM operation management information 231 is updated, the process ends.

  [Step S15] If transfer of funds is not executed, the operation management unit 220 notifies the ATM 100 that transfer of ownership of cash is not possible, and ends the processing. When the funds can not be transferred, the operating state of the ATM 100 is determined based on a predetermined contract.

By executing the above-described processing procedure, the ATM 100 transfers the ownership of the cash in the ATM 100 to the store, and is put into operation with the machine security stopped.
FIG. 13 is a flow chart showing a procedure of ATM operation processing of the operation server.

The operation server 200 receives the transaction request 806 or the fault notification from the ATM 100 and starts processing. The transaction request 806 and the fault notification include the identification number of the ATM 100.
[Step S31] The transaction relay unit 210 determines whether the reception from the ATM 100 is a transaction request 806 or not. If the transaction relay unit 210 determines that the transaction request 806 is not issued, the transaction relay unit 210 proceeds to step S35.

[Step S32] The transaction relay unit 210 receives the transaction request 806, and transmits a transaction request 807 to the financial institution server 300.
[Step S33] The transaction relay unit 210 receives the transaction permission 808 from the financial institution server 300, and transmits the transaction permission 809 to the ATM 100.

[Step S34] The transaction relay unit 210 acquires transaction completion from the ATM 100, and updates the transaction information 232. After the transaction information 232 is updated, the process ends.
[Step S35] The transaction relay unit 210 determines whether the reception is a failure notification. Failure notification includes failure occurrence and failure recovery. When the transaction relay unit 210 receives a failure notification, the process proceeds to step S36, and when it is not a failure notification, the processing is ended.

[Step S36] The transaction relay unit 210 records the acquired failure notification in the transaction information 232, and ends the process.
When a failure occurs in the ATM 100, the manager of the installation site of the ATM 100 or the employee of the store performs it.

FIG. 14 is a flowchart showing the procedure of ATM failure processing.
The ATM 100 detects a fault such as a bill transport failure and starts fault handling.
[Step S101] The control unit 110 transmits the failure occurrence to the operation server 200.

  [Step S102] The control unit 110 determines whether the detected fault can be processed in the store. When the processing in the store is possible, control unit 110 advances the processing to step S103, and when the processing in the store can not be performed, the control proceeds to step S109.

  [Step S103] The control unit 110 determines whether the cash in the ATM 100 is owned by the store. Control unit 110 advances the process to step S104 when ownership of cash in ATM 100 is in the store, and advances the process to step S109 when not in the store.

[Step S104] The control unit 110 releases the electromagnetic lock of the failure point, and permits restoration work by the manager of the store and the employee who has obtained permission.
[Step S105] The control unit 110 waits for completion of recovery work by the administrator or the like. When the control unit 110 detects that the recovery work is completed, the process proceeds to step S106.

  [Step S106] The control unit 110 determines whether the failure has been recovered by the recovery operation. When the failure is recovered, control unit 110 advances the process to step S107. If the failure has not been recovered, the process proceeds to step S109.

[Step S107] The control unit 110 transmits failure recovery to the operation server 200.
[Step S108] The control unit 110 restarts the ATM 100 and ends the process.
[Step S109] When recovery of a failure can not be performed, the control unit 110 pauses operation and waits for recovery.

FIG. 15 is a flowchart of the operation termination process of the operation server.
The operation server 200 receives the stop request 811 from the ATM 100 and starts processing. The stop request 811 includes the identification number of the ATM 100.

  [Step S51] The operation management unit 220 acquires the amount of unpaid money of the ATM 100. Unpaid money in the ATM may be obtained from the ATM 100 that sent the stop request 811. Further, the unpaid money recorded in the transaction information 232 may be read out.

  [Step S52] The operation management unit 220 reads an ATM shop account from the ATM operation management information 231 based on the ATM identification number, and identifies the ATM identification number and the shop account. The operation management unit 220 attaches an ATM identification number and a shop account to the financial institution server 300, and transmits a settlement request 812 for unpaid money.

  [Step S53] The operation management unit 220 waits to receive from the financial institution server 300 a completion notification 804 indicating the end of the settlement. If the completion notification 804 has been received, the process proceeds to step S54.

  [Step S54] The operation management unit 220 acquires the cash balance in the ATM 100. The cash balance in the ATM may be acquired from the ATM 100, or the cash balance recorded in the ATM operation management information 231 may be read out.

  [Step S55] The operation management unit 220 reads an ATM shop account from the ATM operation management information 231 based on the ATM identification number, and identifies the ATM identification number, the shop account, and the cash balance in the ATM. The operation management unit 220 attaches an ATM identification number, a store account and a cash balance to the financial institution server 300, and transmits a fund transfer request 814 to transfer money equivalent to the cash balance from the ATM operation fund account to the store account. Do.

  [Step S56] The operation management unit 220 waits for the financial institution server 300 to transmit a completion notification 815 indicating that the transfer of funds is completed. If the completion notification 815 has been received, the process proceeds to step S57.

  [Step S57] The operation management unit 220 transmits, to the ATM 100 and the security center 600, a device stop notification 816 for permitting the stop of the ATM. Also, the ATM operation management information 231 is updated. The operation management unit 220 sets the "operation status" of the corresponding ATM to "stop", "machine security" to "on", and "ownership" to "financial institution". After the ATM operation management information 231 is updated, the process ends.

By executing the above-described processing procedure, cash in the ATM 100 becomes owned by the financial institution, and machine security is started.
In the automated teller machine of the second embodiment, when the ATM 100 is placed at a place such as a store, where there is a person in charge who can manage the ATM 100 such as a manager or an employee, the time when the person in charge is present For the band, cash in the ATM 100 is owned by the store at the installation site. Thus, when a defect such as a bill conveyance failure occurs in the ATM 100, a person in charge in the vicinity of the ATM 100 can immediately respond. Since it is possible to immediately respond to the failure, it is possible to minimize the time during which the ATM 100 is stopped and reduce the inconvenience to the user. In addition, since there is a person in charge in the vicinity of the ATM 100 and security can be performed, security on crime prevention can be maintained without performing mechanical security. In addition, the cost required for machine security can be reduced.

  On the other hand, in a time zone in which no person in charge is present, cash in the ATM 100 is owned by a financial institution to perform machine security. In this way, it is possible to maintain security in the absence of a person in charge.

  As described above, since it is possible to reduce the operation cost without compromising the security of the crime prevention, it is possible to make a profit even in a small store where the user does not frequently use ATM. As a result, the spread of ATM can be achieved.

  The above processing functions can be realized by a computer. In that case, a program is provided that describes the processing content of the function that the device should have. The above processing functions are realized on the computer by executing the program on the computer. The program in which the processing content is described can be recorded on a computer readable recording medium. Examples of the computer-readable recording medium include a magnetic storage device, an optical disc, a magneto-optical recording medium, and a semiconductor memory. The magnetic storage device includes a hard disk drive (HDD), a flexible disk (FD), a magnetic tape, and the like. Optical disks include DVD, DVD-RAM, CD-ROM / RW, and the like. Magneto-optical recording media include MO (Magneto-Optical disk) and the like.

  In the case of distributing the program, for example, a portable recording medium such as a DVD or a CD-ROM in which the program is recorded is sold. Alternatively, the program may be stored in the storage device of the server computer, and the program may be transferred from the server computer to another computer via a network.

  The computer executing the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. Then, the computer reads the program from its storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing in accordance with the program. The computer can also execute processing according to the received program each time the program is transferred from the server computer connected via the network.

  In addition, at least a part of the above processing functions can be realized by an electronic circuit such as a digital signal processor (DSP), an application specific integrated circuit (ASIC), or a programmable logic device (PLD).

  The present invention is not limited to the above-described embodiment as it is, and constituent elements can be modified and embodied without departing from the scope of the invention at the implementation stage. In addition, various inventions can be formed by appropriate combinations of a plurality of components disclosed in the above embodiments. For example, all components shown in the embodiment may be combined as appropriate. Furthermore, components in different embodiments may be combined as appropriate. Various modifications and applications are possible without departing from the spirit of the invention.

DESCRIPTION OF SYMBOLS 10 cash automatic transaction apparatus 11 storage part 12 cash 13 transaction part 20 operation apparatus 21, 22 storage part 21a transaction apparatus operation account 22a manager's account 23 fund management part

Claims (6)

An automated teller machine having a storage unit for storing cash, installed at an installation place managed by a predetermined manager, and a transaction unit for performing cash transactions using cash;
At the start of a management period in which the manager can manage the automated teller machine, cash information of the same amount as the balance before the management period of the cash stored in the storage unit is transferred to the manager account of the manager It is subtracted from the management fund information of the administrator, which is deposited, by adding the fund information on the funds information of the financial institutions that have been deposited in the transaction apparatus operating account of a financial institution owned by the cash of the housing unit to set the ownership information indicating that is the administrator, at the end of the management period, subtracting the money information from the funds information, the owned by adding the electronic money to the management fund information An operation apparatus comprising a money management unit that sets rights information to the financial institution;
Automated cash transaction system with. The money management unit
In the case of withdrawal transaction, the stored in the storage unit the amount of money out with to withdraw the cash of the housing unit as advances paid to the financial institutions, in the case of a payment transaction, the payment is cash in the storage unit Store the deposit amount as deposit money in the storage unit,
At the end of the management period, the transaction device operating account and the administrator account are settled based on the advance and the deposit stored in the storage unit.
An automatic cash transaction system according to claim 1. At an installation site including the inside of the automated teller machine, a monitoring sensor is connected to a security center to perform mechanical security of the automated teller machine together with the security center,
The operation apparatus has an operation management unit that instructs the security center to stop the machine security at the start of the management period, and instructs the security center to start the machine security at the end of the management period.
An automatic cash transaction system according to claim 1 or 2. The automatic cash transaction apparatus, during a period in which the ownership information of the cash of the receiving portion is set to the administrator, when a problem occurs regarding the cash in the apparatus, the electromagnetic lock of the defect locations To allow recovery work in the device by the administrator,
The cash automatic transaction system according to any one of claims 1 to 3. In an automated teller system having an automated teller machine installed at an installation place managed by a predetermined manager and having an automatic teller machine having a storage unit for storing cash, and an operating device,
The operation device is
At the beginning of capable management period management of the automated teller machine by the administrator, said before the start of the management period of cash to be stored in the storage unit balance and the same amount of money information before Symbol administrator of the management's account is subtracted from the management fund information of the administrator that has been deposited in, the cash of the housing unit by adding the fund information on the funds information of the financial institutions that have been deposited in the transaction apparatus operating account of a financial institution Set ownership information to indicate that it is owned by the administrator,
It said at the end of the management period, subtracting the fund information from the operational fund information, to set up the management fund the ownership information by adding the fund information to the information to the financial institutions,
Automatic cash transaction method. The automatic teller machine installed at a setting place managed by a predetermined manager and having a storage unit for storing cash, the cash of the cash stored in the storage unit at the start of a management period which can be managed by the manager. by subtracting the start before balance and the same amount of money information of the management period from the management fund information of the administrator that has been deposited in the administrator account of the administrator, the financial institutions that have been deposited in the transaction apparatus operating account of a financial institution set the ownership information by adding the fund information on the funds information indicating that you have the cash of the storage unit to the administrator, at the end of the management period, the operation of the fund information Funds management unit subtracts from fund information, sets the ownership information to the financial institution by adding the electronic money to the management fund information,
Operation device having

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