JPH0793646A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To provide an automatic transaction device which is capable of contriving the large capacity of controlled paper money within a device and at the same time, reducing the load of a clerk at the time of loading paper money and improving the service for customers. CONSTITUTION:This automatic transaction device is provided with a payment/ receipt of money unit 14 performing a payment/receipt of money transaction and a control part controlling the operation of the payment/receipt of money unit 14. The payment/receipt of money unit 14 is arranged in freely attachably and detachably and is provided with a loading warehouse 40 storing preliminary paper money and an inspection part counting paper money. A main control part monitors the operation state of the payment/receipt of money unit 14, operates the carrier mechanism of the payment/receipt of money unit 14 while the payment/receipt of money transaction is not performed or while a transaction where the payment/receipt of money unit 14 is not used is performed and executes the counting and fixing processing of the paper money within the loading warehouse 40.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like for automatically performing transactions such as deposit and withdrawal with a customer.

[0002]

2. Description of the Related Art Many financial institutions such as banks are equipped with a number of automatic transaction devices for automatically performing transactions such as deposits and withdrawals.
This type of automatic transaction device has a plurality of storages that store banknotes for each denomination, accumulates the banknotes inserted from the banknote insertion slot in the bank during deposit transactions, and stores them during withdrawal processing. The bill is taken out from the storage and discharged into the bill insertion slot.

In recent years, the automatic transaction device is required to have enhanced cash management. Therefore, the loading / unloading unit of the automated teller machine is detachably attached to the depositing / withdrawing unit, and the bills are loaded into the depository and the bills are collected from the depository by using the depositor as a medium for counting management.

[0004] In the automatic transaction apparatus, the storage capacity of stored bills is being increased. Therefore, spare bills are stored in the loading storage, and the loading storage is used as a sub-storage. When loading the loading storage containing the bills, the clerk first loads the loading storage with the device in a resting state, that is, the transaction stop state. Then, the count confirmation processing of the bill in the loading storage is performed. Then, after the count confirmation process is confirmed, the clerk starts the device to restart the transaction.

[0005]

However, the clerk must monitor the automatic transaction device during the counting and fixing process of the bills in the loading box as described above, which increases the burden on the clerk. Further, since the deposit / withdrawal unit is put into a dormant state during the counting confirmation processing, the customer has to wait for the transaction until the counting confirmation processing is completed. Therefore, there is a problem that the serviceability to the customer is deteriorated.

The present invention has been made in view of the above points, and an object thereof is to increase the capacity of bills managed in the apparatus, at the same time reduce the burden on staff and improve the serviceability to customers. It is to provide an automatic transaction device capable of performing.

[0007]

In order to achieve the above object, an automatic transaction apparatus according to the present invention comprises a deposit / withdrawal unit for performing deposit / withdrawal transactions, and control means for controlling the operation of the deposit / withdrawal unit. There is. The depositing / dispensing unit includes a plurality of storages for storing banknotes, a loading storage that is detachably arranged and stores the banknotes, a counting unit for counting the banknotes, and takes out the banknotes from the loading storage. Transporting means for transporting the banknotes transported to the counting means and passing through the counting means into the loading storage. Further, the control means is a monitoring means for monitoring the operating state of the deposit / withdrawal unit, and when the monitoring means detects the non-operating state of the deposit / withdrawal unit, activates the conveying means to operate the bills in the loading storage. Starting means for starting the counting confirmation process of.

Further, according to the automatic transaction apparatus of the present invention, the control means includes a stopping means for stopping the carrying means when the monitoring means detects the start of operation of the deposit / withdrawal unit. ing.

[0009]

According to the automatic transaction apparatus having the above-described structure, the processing for confirming the counting of the bills in the loading cabinet is not performed immediately after the loading cabinet is mounted, but the idle time of the apparatus, that is, the deposit / withdrawal transaction is not performed. Or automatically during a transaction that does not use the deposit / withdrawal unit. That is, the control means monitors the operating state of the deposit / withdrawal unit, and when the non-operating state of the deposit / withdrawal unit is detected, activates the conveying means to execute the count confirmation process.

Therefore, it is not necessary for the clerk to monitor the apparatus after the loading warehouse is loaded until the counting confirmation processing is completed.
The burden on staff is reduced. Further, since the counting confirmation process is executed by utilizing the idle time of the device, it is possible to improve the serviceability without waiting for the customer transaction.

Further, when the customer transaction of the deposit / withdrawal unit is started during the count confirmation processing, the control means stops the conveying means to stop the count confirmation processing, and restarts the count confirmation processing after the customer transaction is completed.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment in which the present invention is applied to an automatic teller machine will be described in detail below with reference to the drawings.
As shown in FIG. 1, the automatic teller machine includes a housing 1,
A substantially L-shaped customer service operating unit 2 is provided on the front surface of the housing. On the horizontal surface of the customer service operating unit 2, there is provided a bill slot 3 capable of collectively inserting a large number of banknotes and discharging a large number of paid out banknotes. A door 4 that can be opened and closed is provided at the bill slot 3.

A display section 5 having a color CRT as a display means is provided on the horizontal portion of the customer service operating section 2. The display unit 5 has a transparent touch sensor panel on its display surface. The display unit 5 displays the operating procedure of the automatic teller machine and other information on the screen by characters, wording, illustrations or image information, and guides the user, and also numbers, caracana, alphabets, confirmation and cancellation characters. By touching a part of the touch sensor panel corresponding to the display of with a finger, the touch sensor detects the touch sensor panel and can input desired information to the main control unit 11 described later.

On the vertical surface of the customer service operating section 2, a card insertion slot 6 for receiving a magnetic card (cash card) in which a personal identification number, an account number, a transaction bank, etc. are recorded, and similar information is recorded. With a magnetic recording unit and a passbook insertion slot 7 for receiving a bank card or a transfer card and discharging printed statement slips, a coin slot 8 for inserting a large number of coins at once, and a discharged coin There are provided a coin receiving port 9 for collectively receiving the coins, an attendant key 10 operated by an attendant, and the like. A rear door 34 that can be opened and closed by an attendant is provided on the rear surface of the housing 1.

As shown in FIG. 2, a magnetic card reader unit 12, a passbook printing unit 13, a bill depositing / dispensing unit 14, a coin depositing / dispensing unit 15, a customer service unit 16, and voice guidance are provided in the housing 1. A unit 17, an internal monitor 18, a storage unit 22, a clock unit 23 for counting the current date and time, a floppy disk device 19, a transmission control unit 20, a main control unit 11 as control means, a power supply unit 21, and the like are provided. .

The magnetic card reader unit 12 reads account information such as a personal identification number, an account number and a transaction bank from the magnetic stripe of the magnetic card inserted from the card insertion slot 6. The passbook printing unit 13 reads or writes data such as an account number and a transaction bank on the magnetic stripe of the deposit passbook inserted from the passbook insertion slot 7 and, if necessary, for deposit passbook and recording. Print the transaction details and the result of the introduction of accounts on the journal. Further, the passbook printing unit 13 issues a statement in which the transaction content is printed and ejects it from the passbook insertion port 7.

The banknote deposit / withdrawal unit 14 discriminates, counts and stores the banknotes collectively inserted into the banknote slot 3 and, if necessary, withdraws a specified number of banknotes stored in advance in the safe. And then collectively dispense from the bill slot 3. The coin depositing / dispensing unit 15 discriminates, counts and stores the coins collectively put into the coin slot 9, and, if necessary, takes out a predetermined number of coins stored in advance in the safe and receives the coins. Pay out collectively from mouth 10.

The customer service unit 16 is configured to include the display section 5 described above. The voice guidance unit 17 guides the user's operation by voice through a speaker (not shown). The internal monitor 18 notifies the personnel involved in the operation of the automated teller machine of the state of this apparatus,
The operator inputs the operation instruction.

The storage unit 22 stores a plurality of financial institution names and their codes, as well as data files such as transaction procedures and display modes in the financial institutions. The floppy disk device 19 records various kinds of information relating to transactions and transactions, records the operating status of this device, stores special information set unique to this device, and the like.

The transmission controller 20 is online connected to the host computer of the central processing center via a communication line, and if necessary, the host computer and the main controller 1 are connected.
Controls data transmission to and from 1.

The main control unit 11 controls the operations of the respective components 12 to 17, the internal monitor 18, the storage unit 22, and the transmission control unit 20 while referring to the program information in the floppy disk device 19, and at the same time, the entire apparatus. To execute a predetermined transaction. Further, the main control unit 11 performs a remaining amount diagnosis of various types of media (banknotes, coins, statement slips, journal paper, transfer cards, etc.) and also performs an operation diagnosis of each unit.

A remote monitor 24 is connected to the main control unit 32 as required, and monitoring from a distant place is possible. The remote monitor 24 is controlled by the main control unit 11 and displays almost the same information as the internal monitor 18, and when an abnormality occurs in this device, it also informs by using an alarm means such as a buzzer.

As shown in FIG. 3, in the deposit / withdrawal unit 14, a plurality of, for example, three storages 28A, 28B, 28C storing banknotes for each denomination and a deposit box 30 are provided side by side. There is. Each of the storages has a take-in mechanism 31 for taking bills in the upper part and a take-out mechanism 32 for taking out the bills in the lower part. The deposit box 30 includes a withdrawal reject unit 35 that stores a reject ticket for withdrawal,
The deposit unit 36 for storing the unfit banknotes and the collecting unit 37 for storing the forgotten banknotes of the customer are provided. And the safe deposit box 30
Is provided with a take-in mechanism 38 that takes in a bill into each part.

Further, in the deposit / withdrawal unit 14, the loading storage 4
0 is arranged to be removable. The loading storage 40 is used as a medium when loading banknotes into the storages 28A, 28B, and 28C and when collecting banknotes from these storages, and is also used as a sub-storage for storing spare banknotes. It The loading container 40 has a loading rejecting unit 42 that stores rejected bills generated when bills are loaded, and a stacking unit 42 that stores spare bills. At the upper part of the stacking unit 42, a take-in mechanism 43 for taking in the bills is provided, and at the lower part, a take-out mechanism 44 for taking out the bills from the stacking unit, respectively.

Further, in the deposit / withdrawal unit 14, an inspection unit 46 as a counting means for discriminating the denomination, correctness, authenticity, etc. of the banknote and counting the banknotes, is inserted into the banknote insertion slot 3 at the time of the deposit transaction. The deposit temporary stacking unit 48 for temporarily stacking the banknotes checked by the checking unit 26, and the collection transaction,
A temporary withdrawal accumulating unit 49 for temporarily accumulating the banknotes taken out from the storage and inspected by the inspection unit 26 is provided. The respective constituent elements in the depositing / dispensing unit 14 are connected to each other via a large number of conveying paths constituted by a large number of conveying rollers and conveying belts, and a plurality of sorting gates are switched to convey a bill conveying path. Are variously selected.

Next, the operation of the automatic teller machine configured as described above will be described. In a normal deposit transaction, when a bill is inserted into the bill insertion slot 3, these bills are sent to the inspection unit 46 to be discriminated for denomination, damage, authenticity, etc. It is accumulated in the accumulating unit 48. Then, when the confirmation of the input amount is completed via the display unit 5, the banknote is taken out from the temporary deposit stacking unit 48, sent to the storages 28A, 28B, 28C, and stored in the storage corresponding to each denomination. . In addition, when a damaged note or a reject note is generated during the deposit transaction, it is returned to the customer through the bill insertion slot 3.

Further, in the withdrawal transaction, banknotes are taken out from at least one storage according to the amount designated through the display unit 5, and the taken out banknotes are discriminated and counted by the inspection unit 26, and then withdrawn. It is accumulated in the temporary gold accumulation section 49. After that, the banknotes are paid out from the temporary dispensing withdrawal unit 49 to the banknote insertion slot 3. The reject ticket generated during the withdrawal transaction is sent to the withdrawal reject unit 30 of the deposit box 30.

Next, the counting process in the case where the loading container 40 storing the spare bills is loaded in the depositing / dispensing unit 14 will be described. As shown in FIG.
Is loaded, the main control unit 11 causes the deposit / withdrawal unit 14 to
A request is made to notify the state such as whether the loading container 40 is properly loaded or whether bills are stored in the loading container. At the same time, the main control unit 11 detects the operating state of the deposit / withdrawal unit 14 stored in the storage unit 22, the floppy disk device 19 or the like, that is, the operating state such as waiting for a customer or processing a transaction.

As a result, when the main control unit 11 determines that the predetermined operation start condition is satisfied (ST
1) Instructing the depositing / dispensing unit 14 to start the counting confirmation processing of the bills in the loading storage 40 (ST2). Here, as the operation start condition, for example, there are unconfirmed bills in the loading box 40, whether the deposit / withdrawal unit 14 is in a customer waiting state, or the transaction state without using the deposit / withdrawal unit (balance inquiry, passbook entry). Etc.), etc. are set, and the processing is started when all of these conditions are satisfied.

In the count confirmation process, first, the take-out mechanism 44, the take-in mechanism 43, the conveying roller and the conveying belt (conveying means) of the loading cabinet 44 are operated in accordance with the instruction of the main controller 11. As a result, as shown in FIG. 3, the bills in the stacking unit 42 of the loading container 40 are taken out by the take-out mechanism 44 and sequentially sent to the inspection unit 26 via the conveyance path. Then, the bills are counted by the inspection unit 26, and then returned to the stacking unit 42 of the loading storage 40 through the transport path and the taking-in mechanism 43.

On the other hand, when an error occurs during the counting confirmation processing (ST3), the counting confirmation processing is stopped and the error processing is performed. Further, during the count confirmation process, the main control unit 11 monitors the operation state of the entire apparatus, and when any of the operation stop conditions is satisfied (ST4), this is detected and the count confirmation process is stopped (ST5). . In detail, during the count confirmation process, the main control unit 11 instructs the customer service unit 16 to use the deposit / withdrawal unit 14, for example, a transaction key.
In addition to instructing to monitor pressing of the withdrawal transaction key, the withdrawal transaction key, and the withdrawal transaction key, the withdrawal / receipt unit 14 is instructed to monitor whether or not all the banknotes in the loading storage 40 have been confirmed. At the same time, the main control unit 11 monitors whether the rear door 34 of the device has been opened. Then, when the main control unit 11 determines that any one of the operation stop conditions such as the pressing of the transaction key, the completion of the counting confirmation, the opening of the rear door 34, etc. is satisfied, the counting confirmation is performed for the deposit / withdrawal unit 14. Instruct to stop processing.

After that, the main controller 11 controls the deposit / withdrawal unit 1
4 is requested to notify the state of whether or not the operation is normally stopped (ST6). As a result, in the case of the normal stop and when the pressing of the transaction key is satisfied as the stop condition, the main control unit 11 executes the customer transaction designated by the transaction key. Further, if the processing is abnormally terminated, error processing is executed.

On the other hand, the main control section 11 detects whether all the banknotes in the stacking section 42 of the loading storage 40 have been fixed (ST.
7) If not confirmed, the deposit / withdrawal unit 14 is instructed to start the counting confirmation process after the end of the customer transaction. When all the banknotes are confirmed, the main control unit 11 causes the magnetic card read unit 12 and the passbook printing unit 13 to
It is instructed to print the journal and statement sheet respectively (ST8). Thereby, the counting of the banknotes in the stacking unit 40 is confirmed, and the process ends.

According to the automatic teller machine constructed as described above, the counting and confirming process of the bills in the loading cabinet 40 is not performed immediately after the loading cabinet is mounted, but is executed by the main control unit 11
Under the control of the above, it is automatically performed during the idle time of the device, that is, while the deposit / withdrawal transaction is not performed or the transaction not using the deposit / withdrawal unit is performed.

Therefore, the clerk does not need to monitor the device after the loading warehouse is loaded until the count confirmation process is completed.
The burden on the staff can be reduced. Further, since the counting confirmation process is executed by utilizing the idle time of the device, it is possible to improve the serviceability without waiting for the customer transaction. Further, even if a customer transaction is instructed during the count confirmation process, the count confirmation process is temporarily stopped and restarted after the customer transaction is completed, so that the customer transaction is not kept waiting. At the same time, by using the loading storage 40, it is possible to enhance cash management and increase the capacity of stored banknotes.

[0036]

As described above in detail, according to the present invention, it is possible to increase the capacity of the managed banknotes in the apparatus, and at the same time, reduce the burden on the staff at the time of loading and improve the serviceability to the customer. A possible automatic transaction device can be provided.

[Brief description of drawings]

FIG. 1 is a perspective view showing the appearance of an automated teller machine according to an embodiment of the present invention.

FIG. 2 is a diagram schematically showing an internal structure of the automatic teller machine.

FIG. 3 is a sectional view of a banknote deposit / withdrawal unit of the automatic teller machine.

FIG. 4 is a flow chart showing a counting and fixing processing operation of banknotes in a loading storage in the automatic teller machine.

[Explanation of symbols]

3 ... Banknote insertion slot, 5 ... Display section, 7 ... Passbook insertion slot, 11 ...
Main control unit, 14 ... Banknote deposit / withdrawal unit, 26 ... Inspection unit,
28A, 28B, 28C ... Storage, 30 ... Deposit box, 40
... loader, 43 ... take-in mechanism, 44 ... take-out mechanism.

Claims (5)

[Claims] 1. A plurality of storage boxes for storing banknotes, a loading box that is detachably arranged and stores banknotes,
A depositing / dispensing unit having a counting unit for counting banknotes, a transporting unit for taking out the banknotes from the loading container and transporting the banknotes to the counting unit, and storing the banknotes passing through the counting unit in the loading container, Monitoring means for monitoring the operating state of the gold unit,
And a depositing / dispensing unit for starting counting of banknotes in the loading storage by activating the transporting unit when the monitoring unit detects a non-operating state of the depositing / dispensing unit. And a control means for controlling the operation of the automatic transaction device. 2. The control means comprises stop means for stopping the carrying means when the monitoring means detects that the depositing / withdrawing unit has started to operate. The described automatic transaction device. 3. A plurality of storages for storing banknotes, a loading storage which is detachably arranged and stores the banknotes,
A depositing / withdrawing unit having a counting unit for counting banknotes, a transporting unit for taking out the banknotes from the loading container and transporting the banknotes to the counting unit, and storing the banknotes passing through the counting unit in the loading chamber, waiting for a customer Monitoring means for monitoring whether or not a transaction is in progress, and when the monitoring means detects that the customer is waiting, the transfer means is operated to perform a count confirmation processing of the bills in the loading storage. An automatic transaction apparatus comprising: a starting unit that starts and a control unit that controls the operation of the depositing and dispensing unit. 4. The automatic transaction apparatus according to claim 3, wherein the control means includes a stop means for stopping the transportation means when the start of the transaction is detected by the monitoring means. 5. The control means comprises means for continuing the operation without stopping the carrying means when the transaction detected by the monitoring means is a balance inquiry. The automatic transaction device described in 4.