JPH05135253A - Cash management system - Google Patents

Abstract

PURPOSE:To prevent the shortage of cash, and to quickly collect a surplus funds by monitoring the transition of the amounts of the housed cash, issuing an alarm when the amounts of the housed cash is beyond a reference range, and operating a paying processing or a money receiving processing. CONSTITUTION:A data collection and distribution managing device 8 successively performs an access through a data transmission path 7 to each cash processor 4, and collects balance data by allowing the cash processor 4 to output the present amounts of cash held by the cash processor 4. The balance data are compared with the upper limit and lower limit preliminarily set and stored in each cash processor 4. At the time of the presence of the cash processor 4 whose amounts of cash is beyond the upper limit as the result of the comparison, the optimal value set for the cash processor 4 is subtracted from the cash balance this time of the cash processor 4, and the display of the monitor device of the cash processor 4 is operated so that the surplus cash beyond the optimal value can be paid to a receipts and disbursements processor 6. The attention of a staff is aroused as an alarm display accompanied with an alarm sound as necessary.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a total cash management system for monitoring the cash amount of a business office such as a financial institution, and more particularly,
This is a comprehensive cash management system for finding surplus funds.

[0002]

2. Description of the Related Art Conventionally, as a system for ascertaining the total cash amount of one business institution of a financial institution, Japanese Patent Laid-Open No. 2287/1987.
There is a system described in Japanese Patent Publication No. 92. In this system, the deposit amount, the dispense amount, etc. of all the money handling machines installed in one store are grasped and totaled, and the amount of cash held in the whole store is calculated.

[0003]

However, in the above system, it is only possible to grasp the cash amount held by one store, and it is not possible to efficiently find the surplus funds.
In other words, a financial institution does not keep the total cash of one store for one day as it is and prepares for the next day. Instead, it leaves only the amount of cash necessary for the next day, and the rest is provided as surplus funds for each region. It is sent to the existing regional center (installed for each financial institution) or business service established as a separate company.

However, at least one hour before the arrival of the cash collection and delivery vehicle, it is necessary to decide how much to send as the cash delivery amount of the day, sort out the cash and prepare for the arrival of the cash collection and delivery vehicle. Therefore, when there are still more than an hour of business hours left, it is necessary to determine how much cash will be left and how much cash will be needed tomorrow. Until now, even if the system described in the above publication was used, people had to rely on their experience and intuition to make this decision, and to avoid shortage the next day, leave more in the store and reduce the cash transfer amount. The cash tends to remain in the store, which should not be left in the store. If an extra 10 million yen remains in one store, 3 billion yen of cash will be wasted a day in 300 stores, which is a problem.

Therefore, an object of the present invention is to provide a cash management system for accurately finding surplus funds in a store.

[0006]

In order to achieve the above object, the cash management system of the present invention is a cash management system which is installed in a store of a financial institution and which holds cash amount in response to a request from the outside. Multiple currency handling machines that output as data,
An upper limit of the amount of cash that should be held, which is registered in advance for each of the money handling machines by requesting the plurality of money handling machines to output the held cash data and outputting each of the held cash data output from the plurality of money handling machines. When it exceeds the upper limit of the amount of cash to be held in comparison with the value, cash is cashed by subtracting the optimum value of the amount of cash to be registered registered in advance for each of the above money handling machines from the output cash data. It is characterized by comprising a cash data management device for outputting a warning display to the currency handling machine so as to be pulled out from the machine.

[0007]

The cash data management device periodically reads the current amount of money held by the money handling machine for depositing and withdrawing money, and the read current amount exceeds the pre-registered upper limit value. Sometimes, a command is issued from the money handling machine to send a predetermined amount of money back. As a result, surplus funds can be quickly collected and used effectively.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows a system block diagram of the present invention, which includes an automatic teller machine (hereinafter referred to as ATM) 1, a money changer 2, an online tellers machine (hereinafter referred to as OTM) 3, and a deposit / withdrawal currency processor 4. A cash processing device including a window processing device, a cash accounting terminal 5, and a cash handling machine 6 are connected to a data collection and distribution management device 8 via a data transmission path 7. The ATM 1 receives deposits and pays out money at an unmanned window. For this purpose, it has a built-in money handling machine that receives and withdraws money. This money handling machine outputs the type and amount of stored money according to demand. The money changer 2 replaces the received large amount of money with a plurality of small amount of money or the received plurality of small amount of money with a large amount of money. The OTM 3 assists teller operations at the counter and processes transaction data with a customer by using a transaction processing computer (not shown). To this OTM 3, a money handling machine 4 for performing deposit processing and withdrawal processing at the counter is connected. The type and amount of money stored in the money handling machine 4 is OTM.
Reading is possible via Cash processing machine 6
Is a payment processing such as accepting money taken out from the depositing / dispensing money handling machine installed in the teller department (general side) and arranged at the window, and paying out money stored in the depositing / dispensing money handling machine. Withdrawal processing, currency classification by type and currency grouping into a predetermined number of banded or bar-shaped coins, authenticity determination, classification of damages, etc. The payment terminal 5 performs data transmission / reception, control of the cash processing machine 6 for payment / receipt, summation of deposits / withdrawals, summation of deposits / withdrawals.

The data collection / delivery management device 8 employs a so-called workstation architecture.
It is composed of a small computer, an input device, a large-capacity memory device, a display, a printer, a communication control device, a modulator / demodulator, etc., and can execute multiple jobs and multiple tasks. Further, the data collection and distribution management device 8 plays a role as a cash data management device, and monitors the current amount of cash held by various currency handling machines in the store at predetermined time intervals,
We have a database of cash in-store.

The data collection / delivery management device 8 is a network 9
The data collection / delivery management device 10 for business services and district centers and the data collection / delivery management device 11 for headquarters are connected via. Each data collection / delivery management device has the same configuration, and data can be transmitted / received between terminal devices or host computers connected to the data collection / delivery management device. B sales office, ... N sales office are similarly configured.

One regional center or business service is provided in each area, collects cash from a plurality of business shops in the area, and delivers cash to the business shops. This is done by visiting each store once or several times a day by cash transport.

Data collection / delivery management device 10 of the district center
Is composed of a workstation similar to the data collection / delivery management device 8 and has a current transmission / reception database for each sales office. To the data collection / delivery management device 10, a money sorter 14, a money settlement terminal 12 and a money processor 13 are connected via a data transmission path 7. Money sorter 1
4, the banknotes are sorted into normal and defective and banded for each denomination. The money settlement terminal 12 transmits and receives data, and the money handling machine 1
Performs control of 3 and totals of deposits and withdrawals.

The data collection / delivery management device 11 of the head office is also composed of workstations, and is provided with an inventory change database for each sales office and a current transmission amount determination value database. The data collection / delivery management device 11 of the head office monitors the cash amount in each district or each sales office and updates the database. A cash amount target value of each business store is determined based on the past record of cash amount of each business store and the actually required amount of cash, and this is registered. Then, the next day, the cash amount that can be operated by the sales office is determined, and if necessary, the cash transfer amount is determined in consideration of the judgment of the cashier of the sales office. The contents of this decision are notified to the business service or district center via the network 9.

As described above, all the money handling machines of each sales office are connected to the data collection and delivery management device, and the data collection and delivery management device can grasp the amount of cash held by each money handling machine. ing. Further, the head office, the business service, the district center, and the data collection / delivery management device of each sales office are connected by a network so that data such as cash amount can be exchanged between them.

Next, the function of the data collection and distribution management device 8 as a cash data management device will be described with reference to FIG. When the flag indicating that the cash data management function in the main control program (not shown) is turned on by the operation of the input device, the computer of the data collection and distribution management device 8 has a designated time period, for example, The cash data management program shown in FIG. 2 is executed every 20 minutes, every 10 minutes, every 1 minute, ....

First, the data collection / delivery management device 8 sequentially accesses each currency processing machine through the data transmission path 7 to output the current cash amount (inventory) held by the money processing machine. Inventory data is collected (step S11). The money handling machine updates the held cash data at the completion of one transaction.
When the money handling machine is accessed from the data collection and distribution management device 8 during processing operation, the current cash data before the start of the transaction is output to the data collection and distribution management device 8. The sampled money amount data is totaled to obtain the money amount of the entire store (step S12). The inventory data of the entire store is sent to the data collection / delivery management device 11 of the head office via the network 9 or read by the data collection / delivery management device 11 at regular intervals determined by the input device (step S13). .. Headquarters data collection / delivery management device 11
By collecting the money amount data of each store from all the business stores, the cash holding amount of each store is grasped at the head office, and the money amount change database for each business store of the data collection and distribution management device 11 is updated.

The upper limit value (maximum value) and the lower limit value (minimum value) preset and stored for each currency handling machine are compared with the current money amount of each currency handling machine (step S14). As a result of the comparison, if there is a money handling machine exceeding the upper limit value (step S15), the optimum value determined for the money handling machine is subtracted from the current cash amount of the money handling machine (step S16), and the optimum value is obtained. Display the excess cash exceeding the value on the monitor of the money handling machine so as to withdraw to the cash processing apparatus. If necessary, the attendant's attention is called as a warning display accompanied by a warning sound (step S17). The reason for using the optimum value described later is that if the optimum value is left in the money handling machine, no problem will occur for the time being.

For example, as shown in FIG. 3, the money handling machine 4 at the deposit / withdrawal window connected to the OTM 3 has an upper limit value of 80 in advance.
If 0,000 yen, the lower limit value of 1 million yen, and the optimum value of 4 million yen are registered, and the held cash data collected from the money handling machine 4 is 10 million yen, the upper limit value of the money handling machine 4 is 8 million yen. Since it exceeds the limit, instead of withdrawing 2 million yen that exceeds 8 million yen, the optimum value of 40
The data collection and distribution management device 8 uses the money handling machine 4 or O so that 6 million yen, which is less than 0,000 yen, can be withdrawn for payment.
Display on the TM3 monitor. In addition, in an automatic machine such as ATM1, a display is displayed on the monitor section or a monitor section of a device that manages the automatic machine so as to collect excess cash.
The clerk causes the money handling machine 4 to throw out a specified amount of money in accordance with the instruction of the monitor, and brings the money into the cash handling machine 6 for receipts and payments in the accounting department to perform a deposit process.

Furthermore, if there is another money handling machine whose upper limit is exceeded (step S18), steps S16 to S18 are repeated and the current cash amount exceeds the upper limit defined for that money handling machine. With respect to the processing machine, a command is issued to return excess cash to the cash processing machine 6 for cashier.
In this way, the excess cash is collected from the money handling machine to the cash handling machine 6 for cash payment. If there is no money handling machine exceeding the upper limit (steps S15 and S18), the following step S19
Move to.

Next, it is determined whether or not there is a money handling machine whose current cash amount is below the lower limit (step S1).
9). If there is a money handling machine that falls below the lower limit, the current cash amount is subtracted from the optimum value determined for the money handling machine to obtain the difference (step S20), and the shortfall amount is reimbursed. It is displayed on the display of the money handling machine or the OTM connected to it. Further, if necessary, an attendant's attention is called as a warning display accompanied by a warning sound (step S21).

For example, if there are many withdrawal transactions of the money handling machine 4 for deposits and withdrawals, and it is below the lower limit value of 1 million yen and reaches 800,000 yen, the optimum value of this money handling machine from 4 million yen to 800,000. OTM3 is displayed so that 3.2 million yen minus the yen is brought from the cashier. The teller causes the cash processing apparatus to dispense the designated amount of money (withdrawal processing), and replenishes the money handling machine 4 (withdrawal processing).

Further, if there is another money handling machine whose current cash amount is smaller than the lower limit value (step S22), steps S20 to S22 are repeated and the current money amount is set to the lower limit set for that money handling machine. With respect to the money handling machine below the value, a command is issued to replenish the shortage of cash from the cash handling machine 6 for payment. Thus, the shortage of cash in the money handling machine is resolved. By repeating such processing at appropriate time intervals, the cash amount held by the money handling machine in the store is optimized. The warning may be displayed only on the data collection / delivery management device 8 so that the staff member can contact the teller or the like.

The lower limit value set in the above money handling machine,
A method of determining the reference value such as the optimum value and the upper limit value will be described with reference to FIG. First, the data collection and distribution management device 8
When the reference value setting flag in the main control program (not shown) is turned on by operating the input device, the subroutine processing described below is executed.

First, the operator can request the data collection and distribution management device 8 to provide the data necessary for determining the reference value setting (step S31). The data collection / delivery management device 8 extracts past cash amount data handled by a corresponding money handling machine or a corresponding window from various databases stored in response to a request, using various parameters, and extracts this data, for example, in chronological order. Is displayed in the form of a graph or is printed or provided (step S32). Figure 6
Is the deposit amount at the public money window of the store described later (in the figure,
1 of the shaded line) and the withdrawal amount (shown in white in the figure)
It shows the changes over the months. From this graph, the public money window receives a large amount of deposits around the 15th day, but on the other days, both deposits and withdrawals are generally small, so on days other than around the 15th, the lower limit set for the money handling machine is set. The value, the optimum value and the upper limit value can be set low.

FIG. 7 shows changes in deposit amount and withdrawal amount at a deposit / withdrawal window over a month. From this graph, the withdrawal and withdrawal window has a large amount of withdrawal after 25th.
Set a high standard value from the 25th to the end of the month.

Further, it is possible to request other data for reference in determining the reference values such as the lower limit value, the optimum value and the upper limit value (step S33). FIG. 8 shows a statistical example of the number of times of reimbursement per day by a money handling machine. The statistic of the number of times of reimbursement serves as an index of whether the currently set reference value is appropriate. If the number of times of reimbursement is too large, the standard value is too low, and if the number of times of reimbursement is too small, the standard value is too high. For this determination, the day of the week and the date are specified to output the past reimbursement count data in a graph. For example, as shown in FIG. 8 when the same reference value is set for each day of the week, it can be seen that the reference value is lower than the transaction amount of cash on Friday when the number of times of withdrawal is large on Friday. .. At this time, the reference value for Friday is corrected upward.

When the necessary judgment material is provided, the operator commands whether to change the current setting (step S34). When the change is instructed, the mode for changing the registered value is entered, and the input new setting value is rewritten with the corresponding value held in the memory (step S35). Rewriting is completed,
Or if the current setting is not changed (step S3
In 4), this subroutine is finished.

A predictive model constructed by adding various factors relating to deposit and withdrawal to the setting of the reference value, for example, the optimal value based on the change in cash amount, the trading volume on the day of the week, and the trading volume on the date. It is possible to introduce a model for prediction and determine it based on the future prediction value output by this prediction model.

FIG. 9 shows the flow of cash data and the flow of cash (cash) between the sales office, the head office, and the business center / district center in the cash management system.
In FIG. 9, deposit processing and withdrawal processing occur in various currency handling machines in accordance with transactions with customers. As a result, the amount of cash held by each currency handling machine fluctuates. The cash amount held by each currency handling machine is collected by the data collection and distribution management device, and the cash amount monitoring data is updated every predetermined time. When the cash amount held by the money handling machine deviates from the range of the upper limit value and the lower limit value of the cash amount registered for each currency handling machine, a cash withdrawal warning is given and the cash withdrawal processing is performed. As a result, cash is replenished from the cash processing apparatus to the cash processing apparatus having a shortage of cash, and cash is collected from the cash processing apparatus having an excessive cash amount to the cash processing apparatus. The above inventory monitoring data is
The accumulated amount database is built up by accumulating. This cash amount transition database includes a value obtained by summing cash cash amounts of all money handling machines at predetermined time intervals, that is, total amount data of stores (cash cash amount of stores). The cash amount in the store is compared with the target amount of funds allocated to this store, and the surplus funds are collected by the circulating cash transport vehicle. The cash inventory reference value, upper limit value, and lower limit value registered in various currency handling machines are set or corrected on the basis of the above-mentioned cash inventory database and the like. AI technology using a so-called prediction model is used for setting the cash inventory reference value and the like. The cash amount reference value, the upper limit value, and the lower limit value selected for each currency handling machine are registered in the cash amount reference value database.

At the head office, the cash amount of the store is collected from the cash amount change database of each business store at predetermined time intervals, for example, every hour. With this, the cash amount in each district and each sales office is monitored. Based on the cash amount of collected stores, build a cash amount change database for each sales store. Based on the past record recorded in this database, the amount of funds target value of each sales office is registered. The target amount of funds is corrected by past data. When a sales office is predicted to have a shortage of funds, a warning alarm is generated and a cash transportation instruction is given. The next day, the minimum amount of cash that can be operated by the sales office is determined, and the cash transfer amount is determined in consideration of the cashier's judgment. This decision is communicated to the business center or district center.

In the business center / district center, the cash amount to be delivered to the business office by the cash forwarding vehicle or the cash amount to be collected from the business office is determined according to the cash forwarding amount determination data. The determined cash delivery amount and cash collection amount of each store are registered in the current transmission / reception database for each business store.

At the head office, when the cash amount collected from each of the business offices is more than the required amount, the cash amount can be utilized for deposits and loans to the BOJ to obtain an operational profit. On the other hand, when the cash balance is insufficient, the BOJ will borrow.

An operation example of this system will be described with reference to FIG. FIG. 3 shows an example of operating cash of a money handling machine at a window of a store, in which an optimum value is set to 4 million yen, an upper limit value is set to 8 million yen, and a lower limit value is set to 1 million yen. Conventionally, the amount of cash in a counter (money handling machine) is not so conscious of human beings, and it is difficult for a teller to monitor the amount of cash while processing normal operations. As you can see, the cash amount at the counter continues to increase. However, in this system, the data collection and distribution management device samples the cash amount of the counter (money handling machine) at predetermined time intervals, and when it detects that the cash amount exceeds the upper limit value, the terminal device (OTM or money handling machine). ) Display a warning message on the screen.
For this reason, 6 million yen exceeding the optimum value can be quickly returned to the origin (payment processing device), and this amount can be sent to another counter (money handling machine) where cash is insufficient, or to the district center. It can be sent to cash forwarding.

In this system, it is possible to issue a reimbursement instruction based on the current amount of money and the reference value, but if the reference value is not constantly reviewed, efficient teller operation cannot be performed. Therefore, the reference material for reviewing the reference value is output from the system. The person in charge registers the reference value of each teller with reference to this. When the optimum value is changed to 2 million yen as shown in FIG. 4, 8 million yen can be returned to the original (payment processing device). Further, for example, when an instruction is issued from the head office to collect more cash in the district center, the optimal value is changed, whereby the teller's cash amount and cash forwarding amount can be easily controlled.

Next, an example of operation at a sales office will be described. FIG. 10 schematically shows the locations of ATMs and ATMs in a store of a financial institution, and public line counters, deposit counters, and deposit / withdrawal counters are available as teller counters for tellers. The public money counter accepts payment of utility charges such as electricity and water charges, and the deposit counter exclusively accepts deposits and other payments. Deposit and withdrawal windows are for deposits,
Payment and other payments are made. There is a cashier department behind this window. A money handling machine is installed at these counters, ATMs, and tellers.

FIG. 11 shows an example of changes in the reference value and cash amount registered in a money handling machine arranged at a public money window, the optimum value and the lower limit value are 100,000 yen, and the upper limit value is 1 million yen. Is set to. The optimum value and the lower limit value are the same,
This is because this window is only for deposit processing and 100,000 yen for change payment is sufficient. In this example, it is detected that the cash amount of the money handling machine has reached 1.1 million yen at 11:45, 1 million yen is taken out by the teller and collected in the cash processing apparatus.

FIG. 12 shows an example of changes in the reference value and cash amount registered in the money handling machine arranged at the deposit window, with the optimum value and the lower limit value of 100,000 yen, and the upper limit value of 20 million yen. Is set to. The optimum value and the lower limit value are the same value, since this window is only for deposit processing and 10 for payment of change.
This is because 10,000 yen is enough. In this example, 12:30
It is detected that the cash amount of the money handling machine has reached 2.1 million yen, and 20 million yen is taken out by the teller and collected in the cash processing apparatus.

FIG. 13 shows an example of changes in the reference value and cash amount registered in the money handling machine arranged at the deposit / withdrawal counter. The optimum value is 2 million yen, the lower limit value is 1 million yen, and the upper limit value is 1 million yen. The value is set to 8 million yen. In this example, 12: 3
It was detected that the cash amount of the money handling machine reached 9 million yen at 0 minutes, and 7 million yen was taken out by the teller and collected in the cash processing apparatus.

FIG. 14 shows an ATM placed in an unmanned corner.
It shows an example of changes in the standard value and cash amount registered in
Optimal value is 5 million yen, lower limit is 1 million yen, upper limit is 1
It is set at 10 million yen. In this example, 13:00
It was detected that the cash amount of ATM became 11 million yen per minute, and 6 million yen was taken out by the staff and collected in the cash processing apparatus.

FIG. 15 shows an example of a change in the cash amount of the cash processing apparatus. At 11:45, 1 million yen is collected from the public money window and at 12:30, 20 million yen is collected from the deposit window. 7 million yen was collected from the deposit and withdrawal window at 12:30. Also, at 13:00 from ATM 600
10,000 yen have been collected. As a result, it is possible to remit an extra 34 million yen, which is the total of these, to the district center. And at 13:30, a cash transport vehicle arrived,
For example, the difference between the cash amount target value of the sales office instructed by the headquarters and the cash amount at the operating point is set as a cash forwarding amount and collected from the cash processing apparatus.

Conventionally, a person in charge had to instruct each window appropriately about the amount of money to be collected 90 minutes or more before the cash forwarding car came to complete the processing such as money rearrangement and band sealing. On the other hand, in this system, extra cash is sequentially collected for payment and cash collection and bandage processing are performed by the cash processing device each time, so clearing work for cash forwarding in a short time is possible. Complete.

[0042]

As described above, in the cash management system of the present invention, the cash data management device monitors changes in the amount of cash stored in a plurality of money handling machines installed in the store of a financial institution, When the amount exceeds the standard value range, a warning will be issued and the withdrawal processing or the withdrawal processing will be performed, so that the shortage of cash in the money handling machine can be prevented and surplus funds can be quickly collected and used effectively. Is possible.

[Brief description of drawings]

FIG. 1 is a block diagram showing an outline of the present system.

FIG. 2 is a flowchart showing the operation of the data collection / delivery device.

FIG. 3 is a graph illustrating an operation example of this system.

FIG. 4 is a graph illustrating an operation example of this system.

FIG. 5 is a flowchart showing a procedure for changing a reference value.

FIG. 6 is a graph showing an example of data for setting a reference value.

FIG. 7 is a graph showing an example of data for setting a reference value.

FIG. 8 is a graph showing an example of data for setting a reference value.

FIG. 9 is a block diagram showing the flow of data and cash in the present system.

FIG. 10 is a diagram schematically illustrating the inside of a store of a financial institution.

FIG. 11 is a graph illustrating an operation example at a public money window.

FIG. 12 is a graph illustrating an operation example at a deposit window.

FIG. 13 is a graph illustrating an operation example at a deposit / withdrawal counter.

FIG. 14 is a graph illustrating an operation example in ATM.

FIG. 15 is a graph for explaining fluctuations in cash amount in cash payment.

[Explanation of symbols]

 1 ATM 2 Money Changer 3 OTM 4 Deposit / Withdrawal Money Processor 5 Deposit / Withdrawal Terminal 6 Deposit / Withdrawal Money Processor 7 Data Transmission Line 8, 10, 11 Data Collection / Distribution Management Device

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Hiroki Tabata 1-3-1, Shimodeno, Himeji-shi, Hyogo Prefecture Glory Industry Co., Ltd. 3-3-1, Glory Industry Co., Ltd. (72) Inventor Akihiko Mori 4-8-17 Nishitenma, Kita-ku, Osaka-shi, Osaka Prefecture Glory Trading Co., Ltd. (72) Inventor Takuro Maeda Osaka-shi, Osaka 4-8-17 Nishitenma, Kita-ku Glory Trading Co., Ltd.

Claims (4)

[Claims] 1. A plurality of money handling machines installed in a store of a financial institution and outputting as held cash data in response to a request from the outside, and a plurality of money handling machines, to the plurality of money handling machines. Of the cash amount to be held by comparing the held cash data output from each currency handling machine with the upper limit value of the cash amount to be held, which is registered in advance for each of the currency handling machines. When the upper limit is exceeded, a warning display is displayed so that the cash obtained by subtracting the optimum value of the cash amount to be held registered in advance for each currency handling machine from the output cash data is withdrawn from the currency handling machine. A cash management system comprising a cash data management device for outputting to a processing machine. 2. A money amount reading means for periodically reading the current amount of money held by a money handling machine for depositing and withdrawing money, and the read current amount exceeds an upper limit value registered in advance. And a withdrawal commanding means for issuing a command to transfer a predetermined amount of money from the money handling machine to the origin, and when the current amount read is less than the lower limit registered in advance, money from the origin A cash data management device, comprising: a deposit instruction means for issuing an instruction to forward a predetermined amount of money to a processing machine. 3. The cash data management according to claim 2, wherein the predetermined amount of money is given by a difference between the current amount of money and an optimum value representing a standard amount of money to be held by the money handling machine. apparatus. 4. The cash data management apparatus according to claim 3, wherein the optimum value is predicted based on the change in the current cash amount.