JPH0831168B2 - Automatic transaction device for counters - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial field of application] The present invention automatically conducts various financial transactions including cash deposit and withdrawal processing of banknotes at a window of a financial institution such as a bank by the operation of a customer or a window clerk. The present invention relates to a window paper automatic pulling device that can be performed automatically.

[Conventional technology]

In a financial institution such as a bank, a teller (contact staff) who receives slips, cash, etc. from a customer at a counter, which is a counter for the purpose of labor saving of counter operations, shortening of transaction time, and improvement of customer service, etc. , An online terminal device capable of conducting various financial transactions including deposit or withdrawal processing, or an automated teller machine called tellers machine (abbreviated as TM) has been put into practical use, and transactions by this all do business for customers. Since it can be done at the counter, it is called a one-line transaction.

In the midst of the establishment of such one-line closed transactions, an automatic teller machine for tellers has been proposed that can make a deal without using slips in order to further improve the efficiency of teller operations.

In this automatic teller machine for tellers, the customer himself puts cash in a cash handling machine such as a banknote depositing / dispensing machine at the counter at the time of deposit and performs the confirmation operation, and at the time of dispensing, confirms the transaction and the amount. It is also intended to be realized by doing.

Therefore, the cash handling machine used in the automatic teller machine for tellers has a deposit / withdrawal port for the customer in addition to a deposit / withdrawal port for the teller.

[Problems to be solved by the invention]

However, in the above-described conventional automatic teller machine for tellers, since the cash processing machine has a dedicated deposit / withdrawal port for each of the customer and the teller, the device configuration such as a transport path for transporting cash becomes complicated and large, There is also a problem that the control becomes complicated and a trouble such as a jam easily occurs.

The present invention has been made in order to solve these problems, and is capable of simplifying the configuration of the device and downsizing, and is also easy to control, and is highly reliable in preventing troubles such as jams. The purpose is to realize.

[Means for solving problems]

In order to achieve this object, the present invention provides at least two input means arranged so that a window clerk and a customer can input data for transactions with a counter serving as a window, and this input means. In an automatic teller machine for a counter having a cash processing machine for performing cash deposit processing and withdrawal processing on the basis of input data from, the deposit / withdrawal port of the cash processing machine is common to the staff and the customer. The deposit / withdrawal port is arranged substantially at the center between the counter attendant side and the customer side of the counter.

[Action]

According to the present invention having the above-described configuration, since the deposit / withdrawal port of the cash processing machine is arranged substantially at the center between the counter clerk side and the customer side of the counter where the counter clerk and the customer face each other, the deposit / withdrawal port is set to the customer. Can be shared and used by tellers.

Therefore, according to this, the transport path for transporting cash is shortened as compared with the conventional one, and the mechanism of the cash processing machine is simplified such that the shutter and the drive mechanism thereof are reduced, thereby reducing the size of the apparatus. It will be possible.

In addition, the simplification of the mechanism facilitates the control, and the occurrence of a jam or the like is reduced, so that it is possible to realize a highly reliable automatic teller machine for tellers.

〔Example〕

 Embodiments will be described below with reference to the drawings.

FIG. 1 is a perspective view showing the configuration of an embodiment of an automatic teller machine for tellers according to the present invention.

In the figure, 1 is a counter that serves as a window provided between a customer side and a teller side in a store of a financial institution, and 2 is a card such as an ID card having data for proving the identity of the customer and account data. A card reader / writer (card R / W), which will be described later, is provided below the card insertion slot 2.

3 is an input means for the customer, which consists of a group of keys for the customer to confirm and cancel the transaction, and input the PIN and other information necessary for various transactions. 4 is an operation guide text, input data and confirmation for the customer. A customer display device such as a CRT for displaying data and transaction processing data. These 2 to 4 are arranged on the customer side of the counter 1,
The customer display unit 4 is embedded in the counter 1 so that the customer can easily see the screen while standing.

5 is a teller input means such as a keyboard equipped with a key group for the teller to input and operate the data and support necessary for the transaction while dealing with the customer, and 6 is an operation guidance word for the teller, and other necessary in the transaction process These are display devices for tellers such as CRTs for displaying various data and messages. Both of them are arranged on the counter 1 so that the teller can operate them while sitting on a chair and can easily see the screen.

7 is a printer having a function of printing transaction data on a passbook or slips inserted by a teller, and reading and writing data of a magnetic stripe attached to the passbook, and 8 is a deposit / withdrawal of cash such as banknotes. A cash processing machine for automatically performing processing, 9 is a deposit / withdrawal port provided in the cash processing machine 8, 10 is a rejection port also provided in the cash processing machine 8, 11 is a main control unit, and this main control unit Reference numeral 11 is arranged on the lower surface side of the counter 1 together with the printing machine 7 and the cash processing machine 8. Here, the deposit / withdrawal port 9 of the cash processing machine 8 is opened on the counter 1 as shown in FIG. The counter 1 is arranged at a substantially central position between the window clerk side and the customer side, and the reject port 10 is provided on the teller side.

FIG. 2 is a block diagram of the embodiment shown in FIG. 1, in which 12 is a card inserted from the card insertion slot 2 at the start of a transaction and the card data is read, and at the end of the transaction, transaction data is stored in the card as necessary. Card reader / writer (card R /
W).

As shown in this figure, the customer input means 3, the customer display 4, the teller input means 5, the teller display 6, the printing machine 7, the cash processing machine 8, and the card R / W 12 are main control units. It is organically connected to 11, and the main control unit 11 controls these in a centralized manner and also has a function of being online connected to the central processing unit 13 to process various transactions online.

FIG. 3 is a cash processing machine 8 shown in FIGS. 1 and 2.
FIG. 14 is a side view schematically showing the internal structure of the drawing, in which 14 is a shutter provided at the deposit / withdrawal port 9, 15 is a separating / feeding unit provided directly below the shutter 14, Department
The reference numeral 15 has a suction drum 16, which receives cash or bills inserted by a customer or a teller from the deposit / withdrawal port 9, sucks and separates the bills one by one by the suction drum 16 and feeds the bills to a conveyance path described later. It is supposed to do.

Reference numeral 17 denotes a withdrawal accumulating unit disposed immediately below the shutter 14 adjacent to the separating / feeding unit 15, which is a counterfeit bill or a bill that is returned to the customer as a forgery or non-discrimination by a later-described discriminating unit during a deposit transaction. It is a part that accumulates banknotes paid to customers at the time of transactions.

Reference numeral 18 denotes a reject accumulation unit, which is a unit for accumulating banknotes that are to be withdrawn by a teller when they are forged or unidentifiable by a later-described discrimination unit during a deposit transaction.

Reference numeral 19 is a discriminating section for discriminating and counting banknotes required for transactions such as authenticity, damage, denomination, and the like, and 20 and 21 are denomination safes for storing banknotes by denomination, where 20 is a thousand. Thousand-yen safe for storing yen bills, and 21 for 10,000-yen safe for storing 10,000-yen bills.

Reference numeral 22 is a reject safe for storing unfit banknotes at the time of deposit or 5,000 yen banknotes and banknotes identified as abnormal at the time of withdrawal, and these safes 20 to 22 are arranged in a line.

Reference numerals 23, 24, and 25 are temporary storage sections set in the bill payout storage ports of the safes 20, 21 and 22, and 26, 27 and 28 are temporary storage sections 23, 24, 25 and safes 20, 21, 22. This is a partition plate for partitioning and, and these partition plates 26 to 28 are respectively moved in the direction of arrow A and
It is possible to evacuate outside 20 to 22.

29, 30 and 31 are storage means arranged at one end of the banknote payout storage openings of the safes 20, 21 and 22, respectively, and a stacking means for these storage means.
The bills are stored in the temporary storage units 23 to 25 by 29 to 31.

32, 33 and 34 are the safes 20-22 or the temporary storage 23-
Feeding means for feeding and separating bills one by one from 25, each of these feeding means 32-34 is composed of a pickup roller, a feed roller, and a reverse roller, and is provided at the other end side of the bill feeding and storing port of the safes 20-22, respectively. ing.

Denoted at 35 to 39 are conveyance paths composed of a conveyance roller and a conveyance belt for nipping and conveying banknotes, and the conveyance paths 35 to 37 connect the above-mentioned components. That is, the separation feeding unit 15 and the discrimination unit 19 are connected by the conveyance path 35, and the discrimination unit 19
A transfer path 36 extends to the rear of the transfer path 36, and the transfer path 36 and the withdrawal stacking unit 17 are connected by a transfer path 37. The transport path 38 is the transport path.
It is provided so as to branch from the middle of 37 to reach the stacking unit for rejects.
It is provided so as to join the middle of the conveying path 35 via the stacking means 31, 30, 29 and the feeding means 34, 33, 32.

40 to 44 are rotatable switching gates for switching the transport direction of the bills transported by the transport paths 35 to 39, wherein the switching gate 40 is arranged at the branch portion of the transport paths 37 and 39, and The switching gate 41 is arranged at the branch portion of the conveying paths 37 and 38, and the switching gates 42 to 44 are arranged between the conveying path 37 and the accumulating means 29 to 31 and the feeding means 32 to 34.

A control unit 45 includes a power supply unit, and the control unit 45 has a function of controlling the entire cash processing machine 8 including the above-described components based on a predetermined program.

FIG. 4 is an explanatory view of the banknote transport path in the cash processing machine 8. FIG. 4 (I) shows the deposit mode, and FIG. 4 (II) shows the dispensing mode.

Next, the operation of the above configuration will be described with reference to FIGS.

As a premise, it is assumed that the identity verification processing at the time of making a transaction has been completed. In this personal identification processing, the customer inserts the card into the card insertion slot 2, and further, the customer input means 3
This is done by inputting a personal identification number using the ten-key pad. The card inserted in the card insertion slot 2 is a card.
The data is read by the R / W12 and the data is read, and the main control unit 11 collates the personal identification number included in the read data with the personal identification number input by the customer to check the correspondence between the customer and the card. To do.

However, this check is not always necessary if the transaction is a deposit.

In the deposit mode shown in FIG. 4 (I), when the teller receives a deposit transaction from the customer, the teller operates the teller input means 5 to activate the deposit process.

Upon receipt of this activation, the control unit 45 of the cash processing machine 8 opens the shutter 3 of the deposit / withdrawal port 9, and the guidance of the operation instruction is output to the customer display 4.

As a result, the customer separates the bill from the deposit / withdrawal port 9 and the feeding unit 15
When the bills are collectively put into, the bills are separated one by one by the suction drum 16 of the separating and feeding unit 15 and sent to the conveying path 35,
The transport path 35 sequentially transports them to the discriminating unit 19, and the discriminating unit 19 discriminates authenticity, denomination and the like.

As a result, banknotes that have been identified as counterfeit or illegible are unreadable.
After passing through 36, the switching gate 40 sends the bills to the transport path 37, and the bills discriminated as genuine bills are counted for each denomination, and then sent through the transport gate 36 to the transport path 39.

The banknotes sent to the transport path 37 are directly transported to the transport path 37 by the guidance of the switching gate 40, and the withdrawing accumulation unit 17
, But the switching gate is instructed by the main control unit 11.
It is also possible to guide the sheet to the conveyance path 38 at 40 and stack it on the reject stacking section 18.

On the other hand, among the bills sent to the transport path 39, the 5,000 yen bills and the unfit bills are guided to the stacking unit 31 by the switching gate 44 and stacked in the temporary storage unit 25 by the stacking unit 31. Further, the 10,000-yen bills are guided to the stacking means 30 by the switching gate 43 and stacked in the temporary storage section 24 by the stacking means 30, and the 1,000-yen bills are guided to the stacking means 29 by the switching gate 42 to collect the stacks. It is accumulated in the temporary storage unit 23 by the means 29.

In this way, after all the inserted banknotes have been discriminated and stacked, if there are banknotes in the dispensing stacking unit 17, the customer display device 3 displays a withdrawal guidance message and the shutter is released. Open 3

As a result, when the customer pulls out the bill, the cash processing machine 8
The control unit 45 of the main control unit controls the number of denominations counted so far.
11 is notified, and in response to this, the main control unit 11 displays the customer display 4
In addition to displaying the counting result, the re-input guidance message is displayed.

According to the guide display, when the customer re-inserts the removed bills into the separating / feeding unit 15 from the deposit / withdrawal port 9, the shutter 3
Is closed, and the same operation as described above is performed. As a result, if the denomination is newly confirmed as a genuine note, the banknotes are accumulated in the corresponding temporary storage units 23 to 25 in the same manner as described above, and the cash processing machine 8 Notifies the main controller 11 of the data added to the count data.

Then, in response to this, the main control unit 11 displays the corrected count result on the customer display unit 4.

Banknotes that have been identified as counterfeit or unreadable even after being re-inserted are again accumulated in the withdrawing accumulation unit 17 and returned to the customer.

When the customer rejects the first re-insertion, or when the re-insertion causes banknotes that are identified as counterfeit or unreadable as described above, the teller receives these banknotes and the teller can re-insert them. When the judgment is made, the banknote is inserted from the deposit / withdrawal port 9 to cause the cash processing machine 8 to perform the same processing as the processing by the customer, and when the teller judges that it cannot be re-inserted,
The teller counts by hand, and the counted amount is input by the teller input means 5 to be processed as a deposit amount.

In addition, when fake bills or unreadable bills are accumulated in the reject accumulating unit 18, the teller extracts the bills from the reject port 10, and when it is determined that the bills can be re-inserted, the same process as the process by the customer is performed. When it is determined that the re-input is impossible, the amount is treated as the deposit amount in the same manner as described above.

The main control unit 11 finally adds up the count data from the cash processing machine 8 and the deposit data, and if the customer's declared amount matches, displays a confirmation instruction on the customer display unit 4, When the customer operates the customer input means 3 to input a confirmation, it means that the deposit transaction has been completed. Therefore, the main control section 11 transmits the transaction data to the central processing unit 13 and also to the cash processing machine 8. Confirmation information is also sent.

Receiving this confirmation information, the control unit 45 of the cash processing machine 8 moves the partition plates 26 to 28 in the direction of arrow A to temporarily store the banknotes accumulated in the temporary storage unit 23 in the thousand yen safe 20. The banknotes accumulated in the section 24 are stored in the 10,000-yen cashbox 21, and the banknotes accumulated in the temporary storage section 25 are stored in the reject cashbox 22, and the count data of the transaction is added to the deposit handling information and stored. To do.

At this point, the cash processing machine 8 is released from the deposit mode.

When the customer confirms that he / she wants to cancel the transaction at the stage of the confirmation operation, the cash processing machine 8 drives the respective payout means 32 to 34 and accumulates them in the temporary storage sections 23 to 25. The bills are separated one by one and sent to the transport path 39, and the sent bills are sequentially passed through the discrimination section 19 and then the transport path.
It is conveyed to the 36 and the conveyance path 37 and accumulated in the withdrawal accumulating section 17.

When all the banknotes from the temporary storage sections 23 to 25 are accumulated in the withdrawal accumulating section 17, the shutter 14 opens, and at the same time, the banknote withdrawal display is displayed on the customer display unit 4 according to an instruction from the main control section 11. .

When the customer sees it and pulls out the bill, the control unit 45 of the cash handling machine 8 clears the count data and the main control unit 11
Information of the end of the cancel operation is sent to the main control unit 11
Clears the count data of the transaction. At this point, the cash processing machine 8 is released from the deposit mode.

Even when the teller receives a request from the customer and the teller uses the teller input means 5 and the teller display device 6 to make a deposit transaction, the banknotes deposited by the customer are separated from the deposit / withdrawal port 9 by the feeding section 15. By doing so, it becomes possible to carry out the same transaction processing as in the case of the processing by the customer.

Next, the operation of the dispensing mode of FIG. 4 (II) will be described.

When the teller receives the offer of the withdrawal transaction from the customer, the teller operates the teller input means 5 to activate the withdrawal process.

Based on this, the main control unit 11 displays a message such as "Please input the payment amount" on the customer display device 4, and when the customer looks at it and inputs the desired payment amount by the customer input means 3, The main control unit 11 communicates with the central processing unit 13 to inquire whether the specified amount of money can be paid in the corresponding account.

When it is confirmed that the payment is possible, the main control unit 11 notifies the cash processing machine 8 of the corresponding amount data and the instruction of the withdrawal operation.

As a result, the control unit 45 of the cash processing machine 8 checks the number of coins for which the withdrawal is instructed and the number of coins stored in the 1,000-yen safe 20 and the 10,000-yen safe 21 (approximately), and withdraws the money. If there is a denomination with a large number of instructions, the main control unit 11
Return to. When the main controller 11 sends an instruction to cancel the withdrawal operation, the cash processing machine 8 is released from the withdrawal mode.

On the other hand, when the withdrawal instruction number is equal to the stored number, or the withdrawal instruction number is smaller, the cash processing machine 8 enters the withdrawal operation, but before the withdrawal operation, the separate feeding unit 15 and It is checked whether there are any banknotes left in the withdrawal stacking unit 17. This is to prevent the risk of accidentally paying a bill that is not a dispensed bill to the customer.

After that, the control unit 45 of the cash processing machine 8 drives the payout means 33 when the withdrawal instruction amount includes a ten thousand yen ticket, and the ten thousand yen safe.
Feeding out the bills one by one from 21 to convey path 39
Banknotes sent to the transport path 39
35 It merges on the way and is transported to the discrimination section 19.

The discrimination unit 19 discriminates whether each banknote is normal or abnormal,
The bills that have been discriminated as normal are counted and then sent to the conveyance path 37 by the switching gate 40 via the conveyance path 36.
It is accumulated in the withdrawal accumulation unit 17 through 37.

Banknotes that have been identified as abnormal pass through the transfer path 36 and switch gates
40 is sent to the transport path 39, and is sent from the transport path 37 to the stacking means 31 by the switching gate 40 and the reject safe 22
It is stored inside.

Then, the bills are additionally paid out from the 10,000-yen safe 21, and the bills of the 10,000-yen bills thus designated are accumulated in the withdrawing accumulation unit 17.

Next, the control unit 45 of the cash processing machine 8 drives the payout means 32 to drive the payout means 32 when there is a 1,000-yen ticket in the withdrawal instruction money type.
The specified number of banknotes of 1,000-yen bills are stacked in the dispensing stacking unit 17 in the same manner as the dispensing operation of the ten-thousand-yen bills, from 20 bills each one by one.

When the above operation is completed, the cash processing machine 8 notifies the main control unit 11 of a withdrawal end notification, adds the number of withdrawals by denomination to the total number of withdrawals by denomination, and further opens the shutter 14.

When the main control unit 11 receives the withdrawal end notification from the cash processing machine 8, the main control unit 11 displays a message on the customer display unit 4 prompting the user to remove the banknote, and the customer sees this and the customer pays the money from the deposit / withdrawal port 9 to the dispensing unit.
The banknotes accumulated in 17 are extracted, and when the extraction is confirmed, the cash processing machine 8 is released from the withdrawal mode.

There are many withdrawal instructions in the withdrawal operation
If the number of stored sheets exceeds 100 (for example, 100),
It is also possible to temporarily stop the payout operation when the withdrawal stacking unit 17 has withdrawn a sufficient number of coins and to confirm the removal of the banknotes from the withdrawal stacking unit 17 to withdraw the rest.

Further, when the teller receives a request from the customer and is entrusted with the operation, the teller uses the teller side input means 5 and the teller display 6 to perform the same processing as the processing performed by the customer, so that the same transaction can be performed. It will be possible.

〔The invention's effect〕

As described above, according to the present invention, the deposit / withdrawal port of the cash processing machine is common to the window clerk and the customer, and the deposit / withdrawal port is almost the same as the window clerk side of the counter and the customer side facing the customer. Since it is arranged in the center, the transport path for transporting cash is shorter than before, and the mechanism of the cash handling machine is simplified, such as reducing the shutter and its drive mechanism. The effect that miniaturization is possible is obtained.

Further, since the mechanism is simplified, the control is facilitated, and the occurrence of troubles such as jams is reduced, so that it is possible to realize the highly reliable automatic teller machine for tellers.

Further, according to the present invention, as described above, since the deposit / withdrawal port is arranged in the center of the counter where the window clerk and the customer face each other, the deposit / withdrawal port can be shared and used by the window clerk and the customer for operation. Therefore, there is an effect that even a customer who is unfamiliar with the operation can operate with peace of mind.

In other words, if the deposit / withdrawal port is dedicated to both the window clerk and the customer, as in the past, the window clerk will not be able to give unfamiliar operation guidance to the customer when cash is input or withdrawn. However, according to the present invention, since the window clerk and the customer face each other and access the deposit / withdrawal port located in the center of the both, even unfamiliar customers can operate with peace of mind while receiving appropriate guidance from the window clerk. The effect of being able to be obtained is obtained.

[Brief description of drawings]

FIG. 1 is a perspective view showing the configuration of an embodiment of an automatic teller machine for tellers according to the present invention, FIG. 2 is a block diagram of the embodiment of FIG. 1, and FIG. 3 is cash in FIG. 1 and FIG. The side view which showed the internal structure of a processing machine roughly, FIG. 4 is explanatory drawing of the banknote conveyance path in the said cash processing machine. 1: Counter, 3: Customer input means 4: Customer display, 5: Teller input means 6: Teller display, 7: Printing machine 8: Cash processing machine, 9: Deposit / withdrawal port 11: Main controller , 12: Card R / W 13: Central processing unit

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Shinichi Sudo 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industry Co., Ltd. (72) Masao Goto 1-7-12 Toranomon, Minato-ku, Tokyo Oki (56) Reference JP 62-209695 (JP, A) JP 62-191993 (JP, A) JP 61-269791 (JP, A) JP 62-114090 ( JP, A) JP 60-120492 (JP, A) JP 60-49496 (JP, A) JP 59-212985 (JP, A) JP 60-100284 (JP, A) Shown 57-156957 (JP, U) Actually opened 60-44158 (JP, U) Actually opened 62-201877 (JP, U)

Claims (1)

[Claims] 1. At least two input means arranged so that a window clerk and a customer can respectively input data for a transaction across a counter that forms a window, and based on the input data from the input means. In an automatic teller machine for a counter equipped with a cash processing machine for performing cash deposit processing and withdrawal processing, the cash handling machine has a deposit / withdrawal port common to the staff and the customer. An automatic teller machine for tellers, wherein the counters are arranged substantially at the center between the teller side and the customer side.