JPH0480436B2 - - Google Patents

Description

Detailed Description of the Invention (Industrial Application Field) The present invention is a cash processing device installed in a financial institution such as a bank that processes cash in bulk, and in particular a cash processing device that is installed in a financial institution such as a bank and that processes cash in bulk. Regarding a cash processing device connected to

(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 storage section equipped with a safe for storing cash, a transport section disposed between the teller section and each counter section, and a transport section installed on the transport path and loaded with cash to connect the teller section and each counter section. A cash processing system 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 financial institution would lose credibility. In addition, the conveyor must travel back and forth between the counter and the teller's office for each cash payment or deposit transaction at the counter.
Deposits and withdrawals take time. Therefore, it is necessary to increase the conveyance speed in order to prevent the deterioration of service to customers, but 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 make it possible to easily control a balance transfer 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 by denomination that stores cash by denomination, and a cash processing device that dispenses and counts cash from the cash storage box by denomination. a cash dispensing mechanism that sends the cash to the cash outlet; a cash discriminating unit that discriminates the authenticity, denomination, and fatigue level of the cash inserted from the cash input slot; A depositing mechanism that stores cash in cash storage boxes for each denomination, a cash delivery section that takes in replenishment cash for withdrawal from a conveyance path described below, and sends cash with a high degree of fatigue to a conveyance section described below, and the cash discriminating section. A conveyance means for conveying cash determined to have a high degree of fatigue among the input cash to the cash transfer section, and a conveyance means for conveying replenishment cash from the cash transfer section to the denomination-specific cash storage box, During a withdrawal transaction, money is withdrawn from the denomination-specific cash storage box, and during a deposit transaction, only true and low-fatigue cash among the input cash is stored in the denomination-specific cash storage box, and cash with a high fatigue level is stored in the denomination-specific cash storage box. It is equipped with multiple teller deposit and withdrawal machines that transport cash to the cash delivery section.

It also includes a teller section that includes a storage box for replenishing cash, a storage box that specifically stores cash that is highly fatigued, and a cash delivery section that takes in cash from or sends out cash from a transport path (to be described later).

Furthermore, a conveyance path for conveying cash between the cash transfer section of the plurality of teller machines and a cash transfer section of the teller section, and a conveyance path for transporting cash on the conveyance path, and The present invention includes a conveyor for transferring cash between the cash transfer section of the money machine and the cash transfer section of the cash dispensing section.

(Function) With the above-described configuration, when a teller clerk inserts cash received from a customer into the cash slot of a teller teller machine, the present invention determines the authenticity, denomination, and degree of fatigue of the cash, and determines whether the cash is fake. Return the collected cash to the cash outlet,
Cash that is determined to be true and have a high degree of fatigue is transported to the cash delivery section in the teller deposit/withdrawal machine, and cash that is determined to be true and have a low degree of fatigue is stored in a cash storage box by denomination.

The cash that is true and has a high degree of fatigue is stored in a conveyance body at the cash transfer section in the teller teller machine, and is conveyed to the teller section via the conveyance path. In the teller section, a cash delivery section in the teller section receives cash from the conveyor and stores it in a cash storage box that exclusively stores cash that cannot be used for payment.

Therefore, since the cash depositing and dispensing machine side does not store the above-described highly tiring cash, there is no need for a storage box or storage mechanism for storing such cash.

On the other hand, genuine cash with a low fatigue level is stored in the denomination-specific cash storage box, so it can be used as withdrawal cash during withdrawal transactions. That is, the cash received from the customer during the deposit transaction is replenished as cash for withdrawal, and is reused as cash to be paid to the customer during the withdrawal transaction.

Next, at the time of a withdrawal transaction, cash is withdrawn from the denomination-specific cash storage box provided in the teller deposit/withdrawal machine itself. Therefore, the time required for dispensing money is significantly shortened compared to the case where cash is transferred from the teller's office and disbursed. In addition, there is no need to move the conveyor during withdrawal operations, which means that even if the conveyance mechanism between the teller machine and the teller section breaks down, as long as there is cash in the denomination-specific cash storage box of the teller machine, withdrawals can be made. This makes it possible to easily control the operation of the transport mechanism.

(Embodiment) Fig. 1 is a schematic cross-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 cash processing device configured by incorporating the teller deposit/dispensing machine of Fig. 1. FIG. 3 is a perspective view of the cash processing device shown in FIG. 2, which is a diagram showing an example of the arrangement of the device.

First, the configuration of the cash processing device will be explained using FIGS. 2 and 3. In both figures, 1 is a high counter at the counter, 2 is a low counter at the counter, 3 is a storage section having a safe for storing cash, 4a to 4f are teller deposit and withdrawal machines according to the present invention, and 5a to 5f, which will be described later.
is the cash input/output port. 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 department 3 and the teller deposit/withdrawal machine 4.
A transport path 9 connects a to 4f, and 9 is a transport body that moves within the transport path 8.

Next, the structure of the teller depositing and dispensing machine will be explained using FIG. 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. When cash is inserted, a discriminating unit 101 discriminates the authenticity, denomination, fitness, front and back, etc. of the cash, and as a result, those that are determined to be genuine are stored, but the Those determined to be tickets are returned to the cash slot 5 where they were inserted. For banknotes that are determined to be genuine and stored, their fatigue level is then checked to determine whether they can be reused. Then, banknotes that are too fatigued to be reused as payment banknotes are stored in a conveyor via a conveyor transfer section 102 (described later), sent to the teller section 3, and stored in a damaged note storage box (not shown). I will do it. In addition, for banknotes that have a low degree of fatigue and can be reused as payment banknotes, after the denomination is determined, the banknotes are stored in the 10,000-note storage box 103, the 5,000-note storage box 104, and the 1,000-note storage box 10 according to the denomination.
It is accommodated in 5. At this time, each storage box 103, 10
If any of 4,105 is full,
The money is stored in the deposit storage box 106.

Regarding the withdrawal operation, the deposit/withdrawal mechanism 107 operates according to instructions from a control section (not shown) in response to the operation of the online teller's machine 6 (FIG. 1) etc. by bank employees.
105 and 106 are deposited and withdrawn as necessary. In this case, each storage box 103 to 1
06, the necessary number of predetermined banknotes are separated and sent out one by one through a discrimination unit 101. For example, the front and back reversal unit 108 arranges all the banknotes to be withdrawn face up and performs a count check. The cash is sent to the cash input/output port 5. During the above-described series of withdrawal operations, if bills are fed in duplicate, they will be stored in the reject storage box 109.

In the case of the above-mentioned teller deposit/withdrawal machine, when the remaining amount of banknotes to be stored in each banknote storage box 103 to 105 is low, it is detected by, for example, a means not shown, and the bank staff is notified of the fact, and then , either by an employee's operation or automatically by the teller section 3 (Figure 2).
The banknotes for replenishment are conveyed using the conveyor 9 and transferred to the storage boxes 103 to 103 for each banknote through a delivery section to be described later.
Store it in 105.

The conveyance of cash by the conveyor will be explained below with reference to the drawings. FIGS. 4 to 6 are cross-sectional views showing a specific example of the structure of the conveyance body transfer/delivery section 102 in the teller deposit/disbursement machine shown in FIG. 1 and explaining its operation. As shown in these drawings, the conveyance conveyance and delivery section 102 includes a conveyance body 9 that is transferred between the conveyance path 8 and the teller deposit/withdrawal machine 4;
It is composed of a platform 41 on which the carrier 9 is placed, a drive wheel 42 for moving the platform 41 to the carrier path 8, 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. Hereinafter, the operation of conveying cash from the counter deposit/disbursement machine 4 to the teller section 3 by the function of the conveyor conveyance/delivery section 102 will be explained.

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 delivered 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 banknote holding roller 49a is retracted upward, but after the depositing transaction operation of the counter depositing/dispensing machine is completed, it moves downward and, together with the lower roller 49b, clamps the banknote in the conveyor. This pair of rollers 49a, 49b
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 driving wheel 42 is controlled to rotate counterclockwise to move the table 41 on which the carrier 9 containing banknotes 48 is placed toward the carrier path 8 side, and the tip thereof is attached to the arm 9a of the carrier 9. The link 43 having its rotational fulcrum on the engagement 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, it is supported so as to be movable in the vertical direction as described above, 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 bill 48 and does not prevent the bill 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 counter deposit/disbursement 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 conveyance path 9 is moved on the rail 44 in the conveyance path 8 via the car 45 by the action of a control section (not shown), and transferred to the storage 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, when cash is conveyed from the teller section 3 to the counter teller machine 4 side and replenished, it is also carried from the teller section 3. 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.

The general structure of the teller section 3 is shown in FIG. 7, which includes storage boxes 103 to 105 in which replenishment cash is stored in advance at the start of work, a storage box 108 dedicated to storing cash that is highly fatigued, and replenishment boxes 103 to 105. It has a reject storage box 107 for collecting overlapping banknotes that occur during cash withdrawal, and also has a discriminator 101 that determines the denomination and overlap of cash at the time of withdrawal, and a conveyor 9 is connected to the conveyance path 8. It is provided with a cash transfer section 102 that transfers cash between machines and takes in cash from the conveyance path 8 or sends it to the conveyance path 8, and the basic configuration is the same as that of the teller deposit/disbursement machine 4.
The reason why the teller section 3 has a cash distinguishing section and a reject storage box is to distinguish the occurrence of uncountable overlapping banknotes so that the cash balance can be accurately managed for each teller section and each teller deposit/dispensing machine. This is to prevent them from being collected and sent outside the accounting department.

To further explain the operation of replenishing cash to the teller deposit/dispensing machine 4, the teller section 3 sends out a specified number of cash of a specified denomination from a cash storage box for replenishment, transports it to the cash delivery section, and stores it in the conveyor 9. do. Transport body 9
is transferred from the teller section 3 to the conveyance table 46 of the conveyance path 8 and transported to a designated teller teller machine in the same manner as the operation of the teller teller machine described above.

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 drive 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. The cash dropped into the slot is fed out one by one and sent to the discriminating section 101, where the denomination is determined and counted. It is stored in the storage box of the denomination.

In the above manner, from the storage 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 taking in cash that is highly fatigued and cannot be reused from the conveyance path 8 into the teller section 3 is the same as the operation of taking in replenishment cash at the counter deposit/disbursement machine 4 described above, and a detailed explanation thereof will be given below. is omitted.

(Effects of the Invention) As described above in detail, according to the present invention,
The teller deposit/withdrawal machine installed at the teller counter performs various types of cash discrimination during deposit transactions, checks the degree of fatigue of cash determined to be genuine notes, and deposits and withdraws cash with a large degree of fatigue using a conveyor. Items that are less tiring and can be reused for payment are stored by denomination and used as cash for the next withdrawal. Therefore, non-reusable cash does not remain in each teller deposit/dispensing machine, the structure of the device can be made smaller, and cash for dispensing can be replenished without human intervention by reusing input cash. I can do it.

Furthermore, since each teller deposit/withdrawal machine stores cash by denomination, the withdrawal operation time is shortened, and there is no need to move the conveyor every time a payment transaction is made, so the conveyance speed can be kept at a low speed and the conveyance system control is easier and reliability is improved. In addition, even if some kind of failure occurs in the transportation system and the operation of the transportation vehicle becomes difficult, each counter deposit/withdrawal machine stores cash, so withdrawal transactions at the counter can continue, reducing confusion, etc. The effect of this can be obtained.

[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. 3 is a perspective view of the cash processing device shown in FIG. 2, and FIG. 4 to 6 are diagrams showing an example.
The figure is a sectional view illustrating an example of the configuration and operation of the main parts of the teller deposit/withdrawal machine shown in Figure 1, and Figure 7.
The figure is a schematic configuration diagram of the storage 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 cash by denomination, and a dispensing mechanism that dispenses and counts cash from the cash storage box and sends it to a cash outlet;
a cash discriminating unit that discriminates the authenticity, denomination, and fatigue level of the cash inserted from the cash slot; a depositing mechanism that stores the cash that is determined to be true and has a low fatigue level in the denomination-specific cash storage box; A cash delivery unit that takes in supplementary cash for withdrawal from a conveyance path described below and sends cash with a high fatigue level to a conveyance path described below, and a cash discriminating unit that determines that the fatigue level is high among input cash. It has a transport means for transporting cash to the cash delivery section, and a transport means for transporting replenishment cash from the cash delivery section to the cash storage box by denomination. A plurality of teller deposit/withdrawal machines that store only true cash with a low fatigue level among input cash into the denomination-specific cash storage box and convey cash with a high fatigue level to the cash delivery section during a deposit transaction. , (b) A teller section that has a storage box for replenishing cash, a storage box that exclusively stores cash that is highly fatigued, and a cash delivery section that takes in cash from the transportation path described below or sends it to the transportation path, (c (d) a transport path for transporting cash between the cash delivery section of the plurality of teller machines and the cash delivery section of the teller section; (d) and moving the cash on the transport path;
A cash processing device comprising a conveyor that transfers cash to and from a cash transfer section of the teller machine and a cash transfer section of the storage section.