JPH01147794A - Automatic transactor - Google Patents

Abstract

PURPOSE: To reduce labor required for replenishing paper money without deteriorating transaction processing ability with a customer by interrupting paper money replenishing so as to execute a transaction when the transaction is required while paper money is carried from a replenishing containing part to a container. CONSTITUTION: A main control part 19 replenishes paper money from a mounted warehouse 45 to a ten thousand yen-keeping warehouse 47 and contains paper money in a same way at the time of no paper money in a thousand yen-keeping warehouse 49. When an operation such as money receiving/paying, etc., from the customer in the midst of containing, the main control part 19 interrupts paper money containing to respective warehouses. When a transaction request from the customer is payment, the main control part 19 withdraws paper money corresponding to a payment money amount from the keeping warehouses 47 and 49 and discharges it from a paper money discharging port with a paper money receiving/paying unit 27. Unless a ten-thousand bill is exhausted in the keeping warehouse 47, the main control part 19 limits the payment of the ten- thousand yen bill, withdraws a thousand yen bill from the warehouse 49 in place of the tenthousand yen bill and discharges it from the discharge port.

Description

[Detailed Description of the Invention] [Objective of the Invention] (Industrial Application Field) The present invention relates to an automatic transaction device that can deposit and withdraw cash using a medium such as a magnetic card, and particularly relates to an automatic transaction device that can deposit and withdraw cash using a medium such as a magnetic card. The present invention relates to an automatic transaction device that reduces the labor required to replenish cash in each safe without running out of cash.

(Prior Art) In financial institutions such as banks, a large number of automatic transaction devices capable of depositing and withdrawing cash using so-called magnetic cards are installed at each branch. This type of automated trading device is
For example, when a customer presses a withdrawal operation key, inserts a magnetic card that stores account information, and specifies the withdrawal amount, the customer retrieves the specified amount from a 10,000 yen storage, etc. shall be paid to. On the other hand, when a customer presses a deposit operation key, inserts a magnetic passbook storing account information, and inserts banknotes to be deposited, the deposited banknotes are stored in the deposit storage.

If the banknotes stored in the 10,000 yen storage warehouse etc. run out during the deposit/withdrawal operation by the customer, the automatic transaction device enters a dormant state in which it stops handling deposits/withdrawals. When the machine is in a dormant state, the staff replenishes the 10,000 yen storage with banknotes. While the automated transaction device was inactive, customers could not make deposits or withdrawals.

(Problems to be solved by the invention) In conventional automated teller machines, when the banknotes stored in the 10,000 yen storage are depleted, the clerk replenishes the banknotes. etc., the number of times staff replenish banknotes in the 10,000 yen storage area increases, resulting in an increase in the number of suspensions in which deposits and withdrawals are suspended. During this suspended state, customer deposits and withdrawals will not be possible. Also,
When banks operate on holidays, there are no staff near the automated teller machine, so customers cannot replenish banknotes in the 10,000 yen storage, etc., and once the automated teller machine is inactive, customers are no longer able to deposit or withdraw money. There was a problem in that the processing capacity of automatic transaction devices was reduced.

This invention has been made in view of the above, and its purpose is to provide an automatic system that can reduce the labor required by clerks to replenish banknotes in each safe without reducing the ability to process transactions with customers. The purpose is to provide trading equipment.

[Structure of the Invention] (Means for Solving the Problems) In order to achieve the above object, the present invention has a storage for storing banknotes, and automatically performs transactions by pulling out banknotes from the storage. In the automatic transaction device, a detection means for detecting the presence or absence of banknotes stored in the storage; a replenishment storage section storing banknotes for replenishing the storage with banknotes; a conveyance means for transporting banknotes stored in the replenishment storage section to replenish the storage space when the empty banknotes stored in the replenishment storage section are detected; The object of the present invention is to include a transaction means for interrupting the replenishment of banknotes from the replenishment storage section to the storage and conducting the transaction when a transaction is requested during transportation.

(Function) In the automatic transaction device having the above configuration, the storage for storing banknotes is provided with a replenishment storage section for replenishing banknotes, and when the banknotes stored in the storage are exhausted, the banknotes are stored in the replenishment storage section. Transport the banknotes that have been stored to the storage. If a transaction is requested by a customer while the banknotes are being transported, the replenishment of banknotes from the replenishment storage section to the storage is interrupted and the transaction with the customer is carried out, so the processing capacity for transactions with the customer while the banknotes are being replenished is reduced. It is possible to prevent a decrease in

(Example) Hereinafter, the present invention will be explained in detail using the drawings.

FIG. 1 is a perspective view showing an embodiment of the automatic transaction device of the present invention, and FIG. 2 is a block diagram showing control of the automatic transaction device.

The configuration of the automatic transaction device of the present invention will be explained using FIGS. 1 and 2.

First, an automatic transaction device 1 capable of depositing and withdrawing cash using a magnetic card, cash card, etc. is installed at each branch of a financial institution such as a bank.

An L-shaped operation section 5 is formed on the entire surface of the housing 3 of the automatic transaction device 1. A banknote insertion lower is provided on the horizontal surface of the operation section 5, and a large number of banknotes to be transferred or transferred can be inserted at once. Further, this banknote insertion lower is provided with a door that can be opened and closed. Further, a CR7 display section 9 having a built-in touch sensor and the like is provided on the horizontal surface of the operation section 5. This CR7 display section 9 not only guides customers by displaying operating procedures and other information on the CRT screen in the form of illustrations, characters, or text, but also displays information such as passwords, amounts, account numbers, approval, confirmation, or cancellation of transactions, etc. By pressing the corresponding display part, a touch sensor (not shown) detects it, and the main control unit 1
Outputs the corresponding signal to 9.

Further, on the vertical surface of the operation unit 5, there is a card insertion slot 11 for inserting a magnetic card as a transaction medium in which a PIN number and account information are recorded, a bankbook insertion slot 13 for inserting a bankbook, and a banknote insertion slot 13 for inserting a banknote. A banknote discharge port 15 is provided for discharge.

Transfer ticket slot 17 into which a transfer field containing transfer information such as the name of the bank to be transferred, branch name, item, account number, beneficiary name, and client name is inserted in the upper part of the diagram of the card insertion slot 11.
is provided.

Next, the internal configuration of the automatic transaction device 1 will be explained.

The main control section 19 has a built-in microcomputer, etc., and executes overall control operations. The magnetic card reader/journal printer unit 21 accepts a magnetic card inserted through the aforementioned card insertion slot 11, and reads account information such as a password and account number from the magnetic stripe section on the card.

The transfer field unit 23 reads the bank name, branch name, item, and account number of the transfer destination listed in the transfer field. The passbook printing unit 25 reads the magnetic stripe portion of the passbook inserted through the above-mentioned passbook insertion slot 13, and records transaction details on the passbook and journal paper (not shown). The banknote deposit/withdrawal unit 27 accepts banknotes inserted into the banknote insertion lower described above, and returns banknotes of a specified amount to the banknote discharge port 15. The coin deposit/withdrawal unit 29 is a vJ! It accepts coins inserted into a large coin input slot (not shown) and dispenses a specified amount of coins to a coin change receiving slot (not shown). The customer service unit 31 incorporates the above-mentioned CR1 display section 9. The audio guidance unit 33 has a built-in speaker and the like, and provides audio guidance to the customer. The internal monitor 35 monitors and displays the transaction status of the automatic transaction device 1.

The floppy disk 39 is a data file in which financial institution information necessary for transfer transactions, such as bank names, branch names, etc., is recorded in alphabetical order. In addition, the main control unit 19
It is connected to a host computer via a transmission control section 37. The power supply section 43 supplies predetermined power to each circuit section. One main control section is connected to a remote monitor 41. This remote monitor 41 is installed in the same branch office where the automatic transaction device 1 is installed, for example, near the desk of the administrator who manages the automatic transaction device 1.

FIG. 3 is a diagram showing each storage box for storing banknotes and the flow of banknotes. Each of these storages has a loading storage 45, a 10000 yen storage 47, a 1000 yen storage 49, a deposit storage 51, and a reject storage 53.

Each of these storages is provided on the back side of the automatic transaction device 1,
It is controlled by the main control section 19. Of these storages, the loading storage 45 stores banknotes to be refilled in other storages, the 10,000 yen storage 47 stores 10,000 yen bills, and the 1,000 yen storage 49 stores 1,000 yen bills. It is used to store tickets. Each of these storages is handled by the main control section 19.

``In addition, replenishment of banknotes from the loading warehouse 45 to each safe takes 10
Replenish every 0 bills.

If there is a transaction operation from the customer during the above replenishment, the main control unit 19
The system temporarily suspends replenishment of each safe from the loading warehouse 45 to control transactions by the customer, and restarts replenishment of each safe after the transaction is completed. The deposit box 51 stores banknotes deposited by customers, and the reject box 53 stores banknotes generated due to, for example, banknote jams.

The banknote slot 55 is used to accumulate banknotes that cannot be identified during the conveyance of banknotes from the loading warehouse 45 to each safe.

FIG. 4 shows the initial screen displayed on the CR1 display section 9 described in FIG. 1. This initial screen appears when you power on the device.
When the system is activated by the main control unit 19, or
When the staff resets the dormant state by replenishing banknotes into the 10,000 yen storage, etc., this is displayed on the CR1 display section 9 and the system waits for input by the customer. When this initial screen is displayed, the customer presses the displayed ``Withdrawal'' or ``Deposit'' button, and each process for the pressed item is performed.

Next, the operation of this embodiment will be explained using the processing flowchart of FIG.

First, when the power is turned on and one main control unit is activated, the system is started and each unit is put into an initial state, and an initial diagnosis is performed to detect a failure or the like in each unit.

Further, when the automatic transaction device 1 is reset from a dormant state in which deposits and withdrawals cannot be made, an initial diagnosis is performed to detect malfunctions in each unit (steps 100 to 13).
0).

Furthermore, the main control section 19 controls the journal printer unit 2.
After diagnosing the condition of the journal paper (not shown), usage statement, and banknotes stored in each storage, the CRT
An initial screen is displayed on the display section 9, and the customer is placed in a holding state (steps 140 to 150).

When the customer is in a waiting state, the main control unit 19 proceeds to step 300 if the banknotes are not stored in the ten thousand yen storage 47, and proceeds to step 17 if the banknotes are stored in the ten thousand yen storage 47.
0 (step 160) When the main control unit 19 proceeds to step 170, if no banknotes are stored in the loading warehouse 45, the automatic transaction device 1 executes an error process (step 320).
is in a dormant state, and if banknotes are stored, step 18
0 (step 170.320).

Proceeding to step 180, the main control unit 19 replenishes the banknotes from the loading warehouse 45 to the ten thousand yen storage 47, for example, every 100 bills. Further, if there are no banknotes in the thousand yen storage 49, the banknotes are stored in the same manner. If the customer presses a touch switch on the CRT display section 9 during this storage to perform a deposit or withdrawal operation, the main control section 19 interrupts the storage of banknotes from the loading warehouse 45 into each safe and proceeds to step 210. . On the other hand, if there is no operation such as depositing or withdrawing money from the customer, the main control unit 19 continues to store banknotes from the loading warehouse 45, stores them in the loading warehouse 45 for replenishment, and stores them in each safe until the banknotes run out. continue. At this time, the main control unit 19 accumulates banknotes in the banknote slot 55 if the banknotes cannot be identified while being stored in the banknotes from the loading warehouse 45 and is a direct banknote (steps 180 to 200).

Proceeding to step 210, the main control unit 19, after the storage of banknotes from the loading warehouse 45 into each safe box is completed, or 1; The control unit 19 detects the presence or absence of a rejected bill in the bill slot 55. When the main control unit 19 detects a rejected bill, it transports the rejected bill from the bill slot 55 to the loading warehouse 45 (steps 210 to 220).

□The main control unit 19 then updates the cumulative total of all types of banknotes stored in each safe and prints a journal printer (not shown).
(steps 230 to 240).

After printing, if there is a transaction operation request from the customer while the banknotes are being stored from the loading warehouse 45 to each safe, the main control unit 19 searches the 10,000 yen storage 47 and determines if there are no banknotes in the 10,000 yen storage 47. If so, the 10,000 yen store end is stored at a predetermined address on the floppy disk 39, and the process proceeds to step 280, which will be described later. When the ten thousand yen storage 47 is searched and there are banknotes in the ten thousand yen storage 47, the main control unit 19 proceeds to step 280. On the other hand, if there is no transaction operation request from the customer, the main control unit 19 proceeds to step 290 (steps 250 to 270).If the process proceeds to step 280, the main control unit 19 determines that if the transaction request from the customer is, for example, a withdrawal. The banknotes corresponding to the withdrawal amount are pulled out from the million yen storage 47 and the thousand yen storage 49 and are carried out from the banknote discharge port 15 via the banknote deposit/withdrawal unit 27. At this time,
If there is no 10000 yen note in the 10000 yen storage 47, the main control unit 19 restricts the payment of the 10000 yen note, changes it to a 10000 yen note, pulls out the 1000 yen note from the 1000 yen storage 49, and exits the banknote output port 15. Carry it out.

The customer receives the delivered banknotes, and when the processing is completed, the process returns to step 140 (step 280).

Proceeding to step 290, the main control unit 19 controls the
7 and if there is no 10,000 yen note, the automatic transaction device 1 is put into a hibernation state as an error process similar to step 320. On the other hand, if the 10,000 yen storage 47 is not the end, the main control unit 19 performs transaction processing in step 310 if there is a request for a transaction such as a deposit or withdrawal from the customer. This transaction process is done in step 28.
0T - Similar to the transaction process described and returns to step 140 after the process is complete. On the other hand, if there is no transaction request such as deposit or withdrawal from the customer, the process returns to step 160 (step 29
0-310,330).

This reduces the effort required by the clerk to replenish each safe with banknotes without reducing the ability to process transactions with customers.

[Effects of the Invention] As described above, according to the present invention, when the banknotes stored in the storage are exhausted, the banknotes stored in the replenishment storage section are transported to the storage. If a transaction is requested during transportation, the transfer of bills from the replenishment storage section to the storage is interrupted and the transaction with the customer is carried out, so the staff can send the banknotes to each safe without reducing the transaction processing capacity with the customer. The labor required to replenish banknotes can be reduced.

[Brief explanation of the drawing]

Fig. 1 is a schematic external view showing an embodiment of the automatic transaction device of the present invention, Fig. 2 is a block diagram showing the control of the automatic transaction device of the present invention, and Fig. 3 is the configuration of each safe and the flow of banknotes. FIG. 4 is a diagram showing an example of the display of the CR7 display section,
FIG. 5 is a flowchart showing the operation of the present invention. 1... Automatic transaction device 7... Bill insertion slot 9... CR7 display section 19... Main control section 27... Bill deposit/withdrawal unit 45... Installation! Warehouse 4: 470,000 yen storage 49:000 yen storage 51: Deposit storage

Claims (1)

[Scope of Claims] An automatic transaction device having a storage for storing banknotes and automatically withdrawing banknotes from the storage to perform transactions, comprising: a detection method for detecting the presence or absence of banknotes stored in the storage; means, a replenishment storage section that stores banknotes in order to replenish the storage with banknotes, and when the detection means detects that there are no banknotes stored in the storage, the banknotes are stored in the replenishment storage section. a conveyance means for conveying banknotes to replenish the storage; and when a transaction is requested while the conveyance means conveys the banknotes from the replenishment storage to the storage, replenishment of banknotes from the replenishment storage to the storage; An automatic transaction device characterized by having: a transaction means for performing a transaction by interrupting the transaction;