JPH07262432A - Automatic teller machine and method for recovering cash - Google Patents

Abstract

PURPOSE:To shorten recovery processing time and customer's waiting time by executing cash recovery to be automatically executed by a cash recovering part in parallel with transaction processing when the processing is a cashless transaction, and at the time of cash transaction processing, executing the processing while suppressing cash recovery. CONSTITUTION:Prior to start, a set value for the number of sheets of money to be automatically recovered is previously stored in a storage part as initial information. Whether a cash box is filled with cash or not is checked by a till detecting sensor 25a or 26a based upon the set value, and when a 10,000-YEN cash box 25 is filled with 10,000-YEN bills e.g. 200 sheets of 10,000-YEN bills stored on the upper part of the box 25 are recovered from the box 25 to a cash box 27. When the device is in waiting for a customer, recovering operation is started immediately after the detection of the fill, but during the period of transaction by a customer, recovering operation is started after the end of the current transaction only, when there is no succeeding customer, the operation is started at that point of time. Consequently service can be presented to a transaction user even in recovering operation and customer's waiting time can be shortened.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine and a method for collecting cash, and more particularly, when a full cash is detected in a cash storage for storing payment cash and deposit cash in common, the cash storage portion is used. The present invention relates to an automated teller machine and a cash collecting method for collecting cash from a cash machine.

[0002]

2. Description of the Related Art In a conventional automatic teller machine, when the cash storage box is full, the apparatus is brought down and the cash in the cash storage box is removed by a staff processing or a collecting operation is started by a staff operation. The cash in the cash storage box is then collected in the cash collection box. A device related to this type of device is, for example, the device disclosed in JP-A-63-157298.

[0003]

In the above-mentioned prior art, when the recycle box for storing cash is full, the device goes down and the staff member process is required. Therefore, it takes a long time to collect the cash. As a result, the waiting time of the customer was long and it caused a great deal of trouble. Further, in the case of unmanned operation, there is a problem that transactions cannot be continued. The present invention has been made in view of the above circumstances, and it is an object of the present invention to solve the above-mentioned problems in the conventional technique, shorten the collection processing time, and reduce the waiting time of customers, thereby An object of the present invention is to provide an automated teller machine and a cash collecting method having a function capable of enduring unmanned operation.

[0004]

In order to achieve the above object, an automatic teller machine according to the present invention has a cash storage unit for storing cash for deposit and withdrawal and a remaining cash amount in the cash storage unit in advance. In a cash automatic transaction device having a cash collection unit that automatically collects cash from a predetermined amount or more, a cash collection by the cash collection unit, transaction processing performed by the cash automatic transaction device When the transaction processing does not handle cash, the transaction processing is performed in parallel with the transaction processing. When the transaction processing handles cash, the transaction processing is performed by suppressing collection. Further, the cash collecting method of the present invention collects cash from a cash storage unit for storing cash for deposit and withdrawal, and a remaining amount of cash in the cash storage unit when the amount of cash reaches a predetermined amount or more. In an automated teller machine having a cash collecting unit that automatically performs, cash collection by the cash collecting unit is performed by a predetermined amount until the remaining amount of cash becomes less than a predetermined amount, and each of the predetermined amounts Each time collection is completed, the necessity of transaction processing is examined, and if there is no need for transaction processing, the following predetermined amount is collected,
If the transaction processing required does not handle cash,
If the transaction processing and the following collection of the predetermined amount are carried out in parallel and the required transaction processing deals with cash,
It is characterized in that the transaction processing is performed while suppressing the subsequent collection of the predetermined amount. Further, the predetermined amount at this time is characterized by being specified by the host device.

[0005]

In the automatic teller machine according to the present invention, the processing capability is improved by enabling the processing other than the deposit / withdrawal processing (processing not handling cash) and the cash collection processing among the transactions of the user to be processed in parallel. However, the effect of improving the service to the user (shortening the waiting time) can be obtained. Further, in the cash collection method according to the present invention, in order to optimize the amount of cash collected from the cash storage unit, the cash collection amount is the total amount of cash deposits and withdrawals on the day aggregated for each transaction on the host device side. Based on this, select and specify an appropriate value from preset values. For example, it is set to be small when the amount of withdrawal is larger than the amount of deposit, and set to be large when the amount of deposit is large as compared with the amount of withdrawal. As a result, it is possible to obtain the effect that cash collection suitable for the operation status of the day can be realized without the intervention of a staff member.

[0006]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 2 is an external view of an automated teller machine which is an embodiment of the present invention. In the figure, 1 is the automated teller machine main body, 2 is a magnetic card entrance / exit slip, and 3 is a customer touch panel input / guidance display. Vessel, 4 is the entrance and exit of the passbook,
Reference numeral 5 denotes a banknote deposit / withdrawal port, and 16 denotes a human body proximity sensor. FIG. 3 shows an example of a block configuration of the above-described automatic teller machine. In the figure, 6 is a control unit for controlling the entire device unit, and a storage unit 10 for storing collected number instruction information from a higher-level device. It is built in. Further, 7 is a transmission / reception control unit that controls a communication line with a higher-level device, 8 is a flexible disk drive (FDD), 9 is a power supply unit for supplying power to the entire device, and 11 is a read / write of a magnetic card. ， Card / slip processing unit that issues slips, 12
Is a banknote deposit / withdrawal unit for returning deposited banknotes for withdrawal,
It has a built-in sensor for detecting the fullness of the deposit banknote described later. Further, 13 is a passbook print processing unit, and 14 is a guidance display and customer operation unit.

FIG. 4 is a diagram showing a detailed construction of the above-mentioned bill depositing / dispensing section 12, in which 21 is a bill depositing / dispensing section, 22 is a conveying path constituted by rollers and belts, and 23 is a bill. Authenticity discrimination,
A discriminating unit for discriminating denominations, 24 is a temporary deposit storage unit for storing bills discriminated as true bills by the discriminating unit 23, and 25 and 26 are A denominations discriminated as return bills by the discriminating unit 23 (for example, 10,000 yen ticket), B
Store each denomination (same 1,000 yen ticket) through the transport path 22
A denomination cash box and a B denomination cash box are shown. Also, 27
Indicates a cash safe for loading and collecting cash. At the bottoms of the A-denomination cash box 25 and the B-denomination cash box 26, full detection sensors 25a and 26a are provided, respectively. Also,
At the bottom of the safe 27, a similar full detection sensor 27a is also provided. In addition, 25b, 26 provided above the A denomination cash box 25, 26 safe 27 and the deposit temporary storage section 24.
Reference numerals b, 27b and 24b respectively denote sky detection sensors. The general structure and operation of this type of banknote depositing / dispensing unit are described in detail in, for example, Japanese Patent Laid-Open No. 61-122793, so here, it is directly related to the operation of this embodiment. Only the parts that need to be described are explained.

FIG. 1 is a flow chart showing an example of the operation of the automatic teller machine according to this embodiment. Below, Figure 1
The operation of this embodiment will be described with reference to FIGS. First, the storage unit 10 stores the automatic collection number setting value received as initial information before starting the automatic teller machine. In addition, the automatic teller machine, after startup (opening), sends and receives a transaction message with the host device for each transaction of the user. At this time, the automatic teller device sends a message to the upper device. , The number of deposit and withdrawal banknotes is added, and when the deposit and withdrawal permission from the host device to the automated teller machine is allowed, the deposit and withdrawal count total counters allocated to the host device are updated so that The difference between the number of deposits and the number of withdrawals can always be managed.

On a normal operation day, the bill deposit / withdrawal unit 12
When the fullness is detected (step 21), the collection is performed from the denomination recycle box corresponding to the fullness in the initial set number of coins.
In this case, first, in steps 22 to 25, it is checked that the bill is not in the automatic replenishment state, the customer change recovery is completed, and that the transaction key using the depositing / dispensing unit has not been input, and is stored in the storage unit 10. The number of automatically collected denominations is read out and the denomination automatic collection is started based on this set value (step 26). For example, when the 10,000-yen cash box 25 is full, 200 banknotes stored in the upper part of the 10,000-yen cash box 25 are collected in the denomination 27. At this time, if the device is waiting for customers, the collection operation is started immediately after full detection, but if the customer is in the transaction, after the transaction of the customer is completed, the next transaction The presence or absence of the human body is detected by the above-mentioned human body proximity sensor 16, and when there is no next customer, the activation is started at that time.

When the collecting operation is completed normally, the fullness detection sensor 25a or 26a is checked for cancellation of the fullness state, and if it is still fullness, the processes of steps 24 to 27 are repeated. In addition, if the full state is resolved,
The process ends. It is needless to say that the "full detection" referred to here means the so-called primary near end, and is not the actual full value of the secondary end that is immediately full and becomes inoperable. Here, although not mentioned in the above description, in step 24, there is a step of reading the received / collected number of sheets from the host device. This is, as mentioned above,
After starting (opening), when sending and receiving a transaction message with the host device for each transaction of the user, the number of deposit and withdrawal banknotes is added to the message sent to the host device. When depositing / withdrawing to the automated teller machine is permitted, update the depositing / dispensing number counting counter allocated to the higher-level device,
Since the upper device is configured to be able to always manage the difference between the number of deposits and the number of withdrawals, it means that the result of receiving the change in the number of collections based on this result is read out. . For example, when the amount of deposit is larger than the amount of dispense, the initial setting value of 200 is changed to 500. As described above, according to the present embodiment, it is possible to specify an appropriate cash collection amount based on the total amount of deposits and withdrawals on the day, which is aggregated for each transaction on the higher-level device side.

According to the above-mentioned embodiment, for example, if the collection amount of one time is fixed at 200, and if a total of 1000 sheets are collected on the day, 1000/200 = 5, and the automatic collection of 5 times is performed. The recovery process will operate. On the other hand, if there is a large amount of deposit on this day, and if the upper-level device sets the collection amount for one time to 500, then 1000/500 = 2 and the automatic collection process should be performed twice. become.
If the total operation time of the three collection operations thus reduced is 2 minutes × 3 = 6 minutes, the transaction time limit is reduced by 6 minutes, and the transaction processing number is increased by about 12 transactions during this period. Further, another operation of the present embodiment is, at the time of customer replacement restoration, at the time when the next trading customer presses the transaction selection key, at step 29, the bill deposit / withdrawal section.
If it is a transaction that uses 12 and whether it is a transaction such as account transfer, balance inquiry, passbook entry or transfer that does not use the banknote deposit / withdrawal unit 12, the above-mentioned automatic collection operation for the banknote deposit / withdrawal unit 12 (Step 30), waits for the command to end, and in steps 31-35, immediately operates in parallel with the transaction processing other than cash handling by the customer, and at the end of the customer transaction (step 36). The end command for one recovery unit is detected (step 37). If the collection of one collection unit is completed here, in the next step 38, the bill deposit / withdrawal unit 12
Judge whether or not the fullness of is released. As a result of the determination in step 38, if the fullness is released (step 38; YES), the recovery process is ended, but if the fullness is not yet released (step 38; NO), the process returns to step 24 again, and thereafter. The processing of steps is repeated.

According to this operation, the transaction not handling cash and the collecting operation are parallelized, and during this period, it is possible to provide services to the transaction users such as account transfer, balance inquiry, passbook entry or transfer. In the case of the above specific example, the collection operation time of 2 minutes × 5 = 10 minutes can be used, and the waiting time of the customer can be reduced. It should be noted that the setting change of the number of collected sheets by the above-mentioned higher-level device can be set by various arithmetic expressions based on the elapsed time and the amount of deposited and withdrawn bills. Further, this arithmetic expression can be replaced by a table reference. By doing so, the time required for cash collection can be shortened. The above embodiment is shown as an example, and the present invention should not be limited to this.

[0013]

As described above, according to the present invention, cash unhandled transactions and collection operations are parallelized, so that account transfer, balance inquiry, passbook entry or transfer can be performed even during collection operations. It becomes possible to provide services to trading customers, and the waiting time for customers can be reduced. Further, the cash collection time itself can be shortened by designating the collection amount suitable for the situation from the host device. Therefore, according to the configuration of the present invention, it is possible to realize a remarkable effect that an automatic teller machine and a cash collecting method having functions capable of sufficiently enduring unmanned operation can be realized.

[Brief description of drawings]

FIG. 1 is an operation flowchart example of an automatic teller machine according to an embodiment of the present invention.

FIG. 2 is an external view of an automated teller machine according to an embodiment of the present invention.

FIG. 3 is a block configuration diagram of an automated teller machine according to an embodiment of the present invention.

FIG. 4 is a diagram showing a detailed configuration of a bill deposit / withdrawal unit.

[Explanation of symbols]

1: Main body of automated teller machine, 2: Magnetic card entrance / exit slip, 3: Customer touch panel input / guidance display, 4: Passbook entrance / exit 5, Banknote deposit / withdrawal opening, 6: Control unit, 7: Transmission / reception control Section, 10: memory section, 11: card
Voucher processing unit, 12: Banknote deposit / withdrawal unit, 13: Passbook print processing unit, 14: Guidance display and customer operation unit, 16: Human proximity sensor, 21: Banknote deposit / withdrawal unit, 22: Conveyance path, 2
3: Discrimination department, 24: Deposit temporary stop, 25: A denomination cash box, 26: B denomination cash box, 27: safe, 25a, 26
a, 27a: full detection sensor, 24b, 25b, 26
b, 27b: sky detection sensor

Claims (3)

[Claims] 1. A cash storage unit for storing cash for deposit and withdrawal, and a cash collection unit that automatically collects cash from the cash storage unit when the remaining amount of cash in the cash storage unit exceeds a predetermined amount. In the automatic teller machine having the above, when the transaction process performed by the automatic cash transaction device is a transaction process that does not handle cash, the cash collection unit performs cash collection in parallel with the transaction process. At the time of processing, an automatic teller machine that suppresses collection and performs the transaction processing. 2. A cash storage unit for storing cash for deposit and withdrawal, and a cash collection unit for automatically collecting cash from the cash storage unit when the remaining amount of cash in the cash storage unit exceeds a predetermined amount. In the automatic teller machine having the above, the cash collecting unit collects cash by a predetermined amount until the remaining amount of cash becomes less than a predetermined amount, and a transaction process is performed each time the predetermined amount is collected. If there is no need for transaction processing, the following predetermined amount is collected, and if the required transaction processing does not handle cash, the transaction processing and the next A method for collecting cash, wherein a fixed amount of collection is performed in parallel, and if the required transaction processing deals with cash, then the transaction processing is performed while suppressing the collection of the predetermined amount. 3. The cash collecting method according to claim 2, wherein the predetermined amount is designated by a host device.