JPH0480435B2 - - Google Patents

Description

Detailed Description of the Invention (Industrial Field of Application) The present invention is a cash processing device installed in a financial institution such as a bank, which processes cash in bulk, and in particular, connects a plurality of teller teller machines and a teller section on a cash conveyance path. Regarding the connected cash processing device.

(Prior Art) Several cash processing devices for counters in banking have been proposed in order to improve the efficiency of fund management. For example, as described in Japanese Unexamined Patent Application Publication No. 59-55595 and Japanese Utility Model Publication No. 53-42154, a plurality of counters equipped with cash input and output ports,
A teller section equipped with a safe for storing cash, a conveyance path installed between the teller department and each counter section, and a conveyance path installed on the conveyance path and loaded with cash to connect the teller section and each counter section. A cash processing device has been proposed, which is equipped with a conveyor that moves between the two, and transfers and receives transaction cash between a teller section and a teller section by loading cash onto the conveyor depending on the type of transaction. There is.

However, with the above-mentioned configuration, after it has been installed at a financial institution such as a bank and has started operation, if a failure occurs in the conveyance mechanism including the conveyor and it becomes impossible to convey cash, the counter There was a fear that cash transactions would become impossible, counters would be confused, and that the credibility of financial institutions would be lost. Furthermore, the conveyor needs to go back and forth between the relevant counter and the teller's department for each cash payment or deposit transaction at the counter. However, in this case, problems arise in terms of reliability and cost of the device.

On the other hand, for such cash processing equipment, a cash deposit/withdrawal machine is installed at the teller counter, and the cash received from the customer is counted and stored in the deposit/withdrawal box inside the teller teller machine by the operation of the teller staff, and the cash to be paid to the customer is advanced. A cash processing device for a teller counter that counts and dispenses money from a deposit box has been considered.

The teller deposit/withdrawal machine of this teller cash processing device has
In order to make effective use of cash and save labor in replenishing and collecting cash, there is a system that reuses cash received from customers for payment. Cash is collected in a cash deposit box and cash that is extremely fatigued is collected in a special storage box. However, the structure of this teller teller machine has become larger due to the fact that it is equipped with a tiring cash storage box and a transport means for transporting the cash.
This results in a decrease in the space utilization efficiency of counters at banks, etc.

(Problems to be Solved by the Invention) As described above, in conventional cash processing devices at counters in banks, etc., the cash to be handled is stored and managed in the teller's department, and the cash is transported between the teller's department and the teller. Processing equipment has problems when a failure occurs in the cash transport mechanism and transport control, and cash processing equipment that installs deposit and withdrawal machines at tellers has problems with the structure of the deposit and withdrawal machines and problems with cash management at banks, etc. There was an efficiency problem.

Therefore, in the present invention, in a cash processing device that transfers and receives cash between a teller and a teller section as described above, withdrawal transactions are possible even if a failure occurs in the cash transport mechanism between the teller and the teller's section. It is an object of the present invention to facilitate control of a cash conveyance mechanism and to perform a withdrawal operation in a short time.

Another object of the present invention is to replenish cash for withdrawal without human intervention, to improve the efficiency of cash management by using cash received from customers for payment, and to improve the efficiency of cash use at a teller deposit and withdrawal machine. The aim is to make the structure as small as possible.

(Means for Solving the Problems) In order to achieve the above object, the cash processing device of the present invention includes a cash storage box for each denomination that stores payment cash by denomination, and a cash storage box for dispensing cash from the cash storage box for each denomination. A dispensing mechanism that counts and sends the cash to the cash withdrawal port;
There is an authenticity determination unit that determines the authenticity of cash inserted from the cash input slot, and a supply cash for withdrawal is taken in from a conveyance path described later, and the input cash determined as genuine by the authenticity determination unit is transported as described later. A cash delivery section that sends out cash to the road,
Conveying means for conveying cash determined to be genuine among the input cash from the authenticity determining section to the cash delivery section;
and a conveying means for transporting replenishment cash from the cash delivery unit to the denomination-specific cash storage box, and when withdrawing money, the cash is withdrawn from the denomination-specific cash storage box, and when depositing transactions, it is determined that the cash is genuine among the input cash. a plurality of teller deposit and withdrawal machines that transport the deposited cash to the cash delivery section, and a cash delivery section that sends out supplementary cash for withdrawal to a transport path described later and takes in inserted cash determined to be true from the transport path described below. and a fatigue level determination unit that determines the fatigue level of the cash taken in through the cash delivery unit, and divides the cash into cash that can be used for payment and cash that cannot be used for payment according to the level of fatigue. A teller section having a cash storage for storing cash, a distribution storage means for allocating and storing cash in the cash storage according to the determination result of the fatigue level determination section, and cash in the plurality of teller teller machines. A transport path for transporting cash between the delivery section and the cash delivery section of the cashier's delivery section, and a transport path for transporting cash on the transport path, and a transport path for transporting cash between the cash delivery section for depositing and dispensing money at the counter and the cashier's delivery section. It consists of a conveyor that transfers cash to and from the cash transfer section of the department.

(Function) The present invention has the above-described means,
When the counter staff inserts the cash received from the customer into the teller machine, the authenticity of the cash is determined by the authenticity discrimination section, and the cash determined to be fake is returned to the cash outlet of the teller machine. Only the cash determined to be genuine is transported to the cash delivery section inside the teller deposit/withdrawal machine. In the cash delivery section, the authenticated cash is stored in the conveyor. The conveyance body storing the cash moves from the teller deposit/disbursement machine to the teller section via a conveyance path, and delivers the cash to the teller section at the cash delivery section in the teller section. The teller department sends the received cash to the fatigue level discrimination unit, which discriminates between cash that has a high fatigue level and cannot be used for payment, and cash that has a low fatigue level and can be used for payment, and uses the cash for payment according to the determination result. To separate and store cash that can be used for payment and cash that cannot be used for payment.

Therefore, the teller deposit/withdrawal machine does not have a cash storage box specifically for storing cash that is highly tiring and cannot be reused, nor a means for transporting and storing cash in this cash storage box, which simplifies the structure accordingly. , downsized.

In addition, cash received from customers is collected in the teller section, and these collected cash are used as replenishment cash common to each teller machine, and when necessary, cash that can be used for payment is transferred to the teller machine by the above-mentioned conveyor. It is also possible to replenish the cash storage box inside this teller machine.

Next, when the teller clerk pays cash to the customer, since the teller teller machine itself is equipped with the cash storage box for each denomination, the cash is dispensed from the cash storage box and delivered to the cash outlet. Therefore, there is no need to move the carrier from the teller section to the teller machine. The conveyance body moves when depositing money and when replenishing cash for payment.

Therefore, even if a failure occurs in the transport system between the teller machine and the teller section, withdrawal transactions are possible as long as there is cash in the teller machine. Furthermore, since the withdrawal operation is an operation of dispensing cash directly from within the teller machine, it is completed in a shorter time than when cash is transported and dispensed from the teller section. In addition, the conveyance system between the teller department and the cash deposit/disbursement machine does not move the conveyor at the time of withdrawal, and there is no need to move the conveyor at high speed in order to shorten the withdrawal operation time for customer service. to facilitate control.

(Example) The present invention will be explained below with reference to Examples.

FIG. 1 is a schematic cross-sectional view showing one embodiment of a teller deposit/dispensing machine used in a cash processing device according to the present invention, and FIG. 2 is an example of the arrangement of a cash processing device incorporating the teller deposit/dispensing machine of FIG. 1. FIG. 3 is a perspective view of the conveyance path of the cash processing device shown in FIG. 2.

First, the configuration of the cash processing device will be explained using FIGS. 2 and 3. In both figures, 1 is a teller high counter, 2 is a teller low counter, 3 is a teller section having a safe for storing cash, 4a to 4f are teller deposit and withdrawal machines according to the present invention and will be described later, and 5a to 5f are cash input/output machines. It is the exit. Here, the high counter 1 is divided into four sections, each of which is provided with an online teller's machine 6a to 6d and a passbook printer 7a to 7d. You can insert or withdraw cash from ~5F. In addition, 8 is the teller section 3 and the teller deposit/withdrawal machine 4a.
9 is a conveyance body that moves within the conveyance path 8.

Next, the structure and operation of the teller deposit/disbursement machine shown in FIG. 1 will be explained with reference to FIG. 2.
As shown in the figure, this teller machine has cash inlet/outlet ports 5 for inserting and withdrawing cash on the teller side and the customer side, respectively. In the same figure, 10
Reference numeral 1 denotes a discriminating section which discriminates the authenticity and denomination of cash, and first discriminates the authenticity of the cash inserted from the cash inlet/outlet 5. Then, the bills determined to be counterfeit are returned to the cash slot 5 where they were inserted. In addition, cash that is determined to be genuine notes, in this case banknotes, is stored in a conveyor through a conveyor conveyor delivery section 102 (described later) after the denomination is determined, and is sent to the teller section 3 via a conveyance path 9. . At this point, the deposit transaction at the counter will be completed.

Furthermore, there are storage boxes 103 to 105 in the teller deposit and withdrawal machines.
The banknotes are arranged to store banknotes of 10,000, 5,000, and 1,000 in order, and are ejected when the counter staff withdraws money. The staff at this counter operates the online teller's machine 6, etc., and when a withdrawal operation occurs, the deposit/withdrawal mechanism 106 is operated by a control section (not shown). This deposit/withdrawal mechanism 106 separates and sends out a required number of predetermined banknotes one by one from each of the storage boxes 103 to 105. These separated banknotes are
The banknotes are discriminated via the discriminating section 101, and after the banknotes are counted and checked, they are sent to the cash slot 5. During this withdrawal operation, if multiple bills are fed, the bills will be transferred to the reject storage box 1.
It is stored in 07.

The structure of the teller section 3 is shown in outline in FIG. 7, and is basically the same as the structure of the teller teller machine shown in FIG. 1, except that there is no cash slot 5.

The discrimination unit 101 is provided with a function of discriminating not only the denomination but also the fatigue level of cash, and the cash storage boxes 103 to 105 for each denomination and the reject storage box 107 are used to store cash with a high fatigue level. It has an unfit note storage box 108 for exclusive storage, and further includes a sorting storage means 109 for sorting and storing cash into the denomination-specific storage boxes or unfit note storage boxes according to the determination result of the fatigue level of the cash. . Particularly, when storing cash in the storage box with the front and back sides of the banknotes aligned, a banknote reversing section is provided in the cash conveyance path between the discriminating section and the sorting storage means.

In the teller section 9, when the banknotes are conveyed from the teller deposit/withdrawal machine as described above, the conveyor body 9 is received from the conveyance path 8 passing therethrough at the conveyor conveyance delivery section, and from this conveyor body 9 is transferred. The cash is taken into the accounting section and sent to the discriminating section 101. This discrimination section discriminates the denomination, then determines whether it is good or bad, checks the degree of fatigue, and determines the possibility of reuse. Then, banknotes that have a high degree of fatigue and are unsuitable for reuse as payment banknotes are stored in the unfit banknote storage box 108. On the other hand, for banknotes that are less fatigued and can be reused as payment banknotes, each storage box 1
It is stored in 03-105.

Next, the transportation of cash between the teller machine 4 and the teller section 3 will be explained. Figures 4 to 6 are
FIG. 2 is a cross-sectional view showing a specific configuration of the conveyance body transfer/delivery unit 102 in the counter deposit/disbursement machine shown in the figure and explaining its operation. As shown in these figures, the conveyance conveyance and delivery unit 102 includes a conveyance body 9 to be transferred between the conveyance path 8 and the teller deposit/withdrawal machine 4, a table 41 on which the conveyance body 9 is placed, and a conveyance path 8.
It is composed of a drive wheel 42 for moving the table 41 and a link 43 for transferring the carrier 9. Further, the transport path 8 is provided with rails 44, and a transport platform 46 equipped with a vehicle 45 is arranged to move on the rails 44. The operation of conveying cash from the counter deposit/disbursement machine 4 to the teller section 3 by the movement of the conveyor conveyance/delivery section 102 will be described below.

First, in FIG. 4, banknotes in the teller deposit/withdrawal machine 4 are conveyed to a conveyor 9 via a belt 47, and banknotes 48 are stored on the conveyor 9.

Although not particularly shown, the carrier 9 includes an arm 9
An opening through which cash is transferred is provided on the side a, and when the conveyance body 9 moves into the teller deposit/disbursement machine 4, this opening faces the exit of the conveyance means by the belt 47. There is. The banknotes 48 are discharged one by one to the conveyor 9 via the belt 47.
At this time, the bill pressing roller 49a is retracted upward, but after the deposit transaction operation of the teller deposit/disbursing machine is completed, it moves downward and, together with the lower roller 49b, clamps the bill in the conveyor. This pair of rollers 49a, 19b
is provided on the teller deposit/withdrawal machine side, and is positioned inside the carrier 9 through the opening. There is also an opening at the bottom of the conveyor 9, and the lower roller 49b is positioned in this opening. The banknote pressing roller 49a is biased downward by a spring or the like, and gently presses the banknote 48 from above, thereby completing the operation of storing the banknote in the conveyor 9. Thereafter, the drive wheel 42 is controlled to rotate counterclockwise, and the platform 4 on which the carrier 9 containing the banknotes 48 is placed.
1 to the conveyance path 8 side, the tip engages with the arm 9a of the conveyor 9, and the link 43 having its rotational fulcrum on the table 41 is rotated counterclockwise. As a result, the carrier 9 is stored on the carrier 46 in the carrier path 8, as shown in FIG.

On the other hand, the roller 49a that presses down the banknotes 48 in the conveyor 9 from above retreats upward at the same time as the table 41 moves. Although this roller 49a is not particularly shown, as described above, it is supported so as to be movable in the vertical direction and is itself rotationally driven. Further, the lower roller 49b is supported so as to be rotatable in either a clockwise direction or a counterclockwise direction. Therefore, while the table 41 is moving, the roller 49b rotates counterclockwise due to contact with the banknote 48 and does not prevent the banknote 48 from moving together with the conveyor 9. The pair of rollers 49a and 49b temporarily hold down the banknotes when the banknotes are stored in the conveyor 9, and also feed out the banknotes when taking the banknotes from the conveyor 9 into the teller machine 4 or the teller section 3. do the work.

Here, the movement of the carrier 9 will be further explained. When the table 41 moves, its protruding portion 41a pushes the receiving portion 46a of the transport table 46. Therefore, the receiving part 46a rotates clockwise and the lock _46b1 also rotates, so that the carrier 9
is transferred from the table 41 to the conveyor table 46 as the link 43 rotates, and is stored as shown by the solid line in FIG. At this time, the tip of the link 43 moves along the arm 9a of the carrier 9 and is in a released state.

After the above state, the drive wheel 42 is rotated clockwise to move the platform 41 away from the conveyance path 8 side. As a result, the receiving part 46a is released from the pressure of the protruding part 41a, so that it is rotated counterclockwise by, for example, a spring (not shown), and returns to the initial position. That is, the lock _46b1 is locked to the locking part _9b1 of the conveyor 9, and the lock _46b1 is locked to the locking part 9b1.
By cooperating with b ₁ , the carrier 9 is firmly fixed on the carrier 46 . This state is shown in FIG. 6. From then on, the conveyor 9 moves on the rail 44 in the conveyance path 8 via the car 45 by the action of a control section (not shown) and reaches the teller section 3. Cash, in other words, banknotes 48 can be transported.

The operation of conveying cash to the teller section 3 by the conveyor 9 has been explained above, but conversely, cash can also be conveyed from the teller section 3 to the counter deposit/withdrawal machine 4 side and replenished. The storage of cash in the body 9, the transfer of the conveyance body 9 from the teller section 3 to the conveyance path 8, and the movement of the conveyance body 9 within the conveyance path 8 are performed in the same manner as described above. In the teller section 3, a specified number of cash of a designated denomination is sent out for replenishment from storage boxes for each denomination, conveyed to a cash delivery section, and stored in a conveyor 9. The carrier 9 is transferred from the teller section 3 to the carrier 46 in the carrier path 8 in the same manner as described above, and is transported to a designated teller deposit/dispensing machine 4. When the cash sent out from the storage box for each denomination is determined to be overlapped by the cash discriminator, it is stored in the reject storage in the teller section 3 in order to prevent cash counting errors and to avoid replenishing the wrong amount of cash. Collected in a box.

In the teller machine that receives cash replenishment, the link 43 rotates to the position shown in FIG. 5 and waits for the arrival of the carrier 9. When the conveyance table 46 carries the conveyance body 9 to the teller deposit/withdrawal machine 4 and stops, the groove of the arm 9a of the conveyance body 9 is positioned on the engagement pin at the tip of the link 43, and the base 41 is brought into contact with the driving wheel 42. The rotation moves from the position shown in FIG. 4 to the position shown in FIG. As a result, the lock _46b1 of the carrier 46 is released from the carrier 9. Thereafter, the link 43 rotates clockwise to move the carrier 9 from the carrier 46 to the platform 41, and the drive wheel 42 rotates in the opposite direction to move the platform 41 to the position shown in FIG. During this time, the upper roller 49a is retracted upward, but the
When the first movement is completed, it moves downward and comes into contact with the upper part of the cash in the conveyor 9, and is rotated by a drive source (not shown) to send the cash one by one from the top into the conveyance path formed by the belt 47.

In the teller deposit/withdrawal machine 4, the belt 47 is driven to take in the cash and store it in the cash inlet/outlet port 5 on the teller staff side. This cash inlet/outlet 5 has a double structure of an inlet and an outlet, and the upper side on the counter staff side is the outlet, and the bottom plate is movable so that the cash stored therein can be stored there. You can drop cash into the lower slot. The cash dropped into the slot is fed out one by one and sent to a discriminating section 101, where the denomination is determined, the cash is counted, and the money is stored in the storage box of the corresponding denomination.

In the above manner, from the teller section 3 to the teller deposit/withdrawal machine 4.
The replenishment of cash has been completed, and it will be used as cash for withdrawals at the counter.

Note that the operation of the teller section 3 to take in the cash conveyed from the teller teller machine 4 is the same as the above-mentioned action to take in the supplementary cash in the teller teller machine 4, and a detailed explanation thereof will be omitted. do.

(Effects of the Invention) As described above in detail, according to the present invention,
A teller deposit/withdrawal machine installed at a teller counter determines the authenticity and denomination of cash during a deposit transaction, returns counterfeit bills, and transports genuine bills to the teller's office, where they further check the fitness, front and back, and the denomination. By distinguishing the type, etc., and reusing valid notes for payment and storing unfit notes, it is possible to improve the efficiency of cash management at banks, etc., as well as improve the structure of individual teller machines. Therefore, it can be expected to be small, inexpensive, and excellent in terms of reliability and maintainability.

Furthermore, since each counter deposit/withdrawal machine stores banknotes by denomination, there is no need to move the conveyor each time a payment transaction is made, making it easier to control the conveyance system. Even if a failure occurs in the conveyance system at the counter, withdrawal transactions can be continued using the cash stored in each teller deposit/dispensing machine, resulting in effects such as being able to suppress confusion at the teller counter.

[Brief explanation of drawings]

FIG. 1 is a sectional view showing an embodiment of a teller deposit/dispensing machine used in a cash processing device according to the present invention, and FIG. 2 is a layout of a cash processing device constructed by incorporating the teller deposit/dispensing machine shown in FIG. 1. Figure 3 is a perspective view of the device shown in Figure 2, and Figures 4 to 6 are diagrams showing examples.
FIG. 7 is a cross-sectional view illustrating a configuration example of the main parts of the teller depositing and dispensing machine shown in the figure and its operation, and FIG. 7 is a diagram showing a schematic configuration of the teller section. 3 is a teller section, 4a to 4f are teller machines, 5 is a cash input/output port, 101 is a discrimination section, 102 is a conveyor conveyance/delivery section, and 103 to 105 are storage boxes.

Claims (1)

[Scope of Claims] 1 (a) A cash storage box by denomination that stores payment cash by denomination, and a dispensing mechanism that dispenses cash from the cash storage box by denomination, counts it, and sends it to a cash outlet; There is an authenticity determination unit that determines the authenticity of cash inserted from the cash input slot, and a supply cash for withdrawal is taken in from a conveyance path described later, and the input cash determined as genuine by the authenticity determination unit is transported as described later. a cash delivery section that sends the cash out to the cash delivery section; a conveyance means that transports cash determined to be genuine among the input cash from the authenticity discrimination section to the cash delivery section; and a supply means from the cash delivery section to the cash storage box by denomination. and a plurality of conveying means for conveying the cash for use, and for dispensing money from the denomination-specific cash storage box at the time of a withdrawal transaction, and conveying cash determined to be genuine among the input cash to the cash delivery section at the time of a deposit transaction. (b) Sends replenishment cash for withdrawal to the conveyance route described below,
a cash delivery unit that takes in inserted cash that is determined to be true from a conveyance path (described later); a fatigue level determination unit that determines the degree of fatigue of the cash taken in through the cash delivery unit; a cash storage that stores cash separately into cash that can be used for payment and cash that cannot be used for payment; and a distribution storage that distributes and stores cash in the cash storage according to the determination result of the fatigue level determination section. (c) a conveyance path for conveying cash between the cash transfer sections of the plurality of teller machines and the cash transfer section of the teller department; (d) and a conveyance path comprising: A cash processing device comprising a conveyance body that carries cash and moves to transfer cash to and from a cash transfer section of the teller machine and a cash transfer section of the teller section.