JPH09311900A - Cash supply schedule decision support method for automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To plan a cash supply schedule which can always supply necessary cash and also can reduce the loss amount due to the working cost and the interest by estimating the transaction amount of every automatic teller machine to calculate the necessary cash amount and deciding the cash supply schedule based on the cash amount. SOLUTION: The data on the cost, interest and period which are necessary for decision of a schedule are inputted via an input part 8C and stored in a basic value data storage part 10. The daily transaction value is estimated in a period stored in the part 10 by referring to a transaction result data storage part 4 and a calendar storage part 5. This estimated value is stored in a transaction estimation data storage part 9. Then the daily necessary cash amount is calculated for each of automatic teller machines 1A to 1C based on the data stored in the part 9. Thus, it's possible to know the cash supply interval of days for every automatic teller machine and then to calculate the least cash supply cost.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash replenishment schedule determination support method for an automated teller machine, and in particular, it comprises means for storing cash and means for paying out cash by the operation of a user used at a financial institution or the like. The present invention also relates to a cash replenishment schedule determination support method for a cash automatic transaction device, which is suitable for a business of determining or changing a cash replenishment schedule in the cash automatic transaction device.

[0002]

2. Description of the Related Art As a conventional technique, Japanese Patent Laid-Open No. 7-4463 has been proposed.
The invention is described in Japanese Unexamined Patent Publication (Kokai) No. 6-53, which describes an automatic transaction device equipped with a means for predicting the amount of cash required for replenishment. It is an object of the invention described in the above publication to provide an automatic transaction device that reduces the amount of cash set in a built-in safe as much as possible and improves the fund efficiency. In the invention described in the above publication, in an automatic transaction device that performs deposit / withdrawal transactions, etc., it is built in based on hourly cash data indicating the required amount of cash for each singular day of the year or month or the time zone of the year or month. An appropriate amount of cash to be stored in the safe, a cash replenishment time to the safe, and a cash collection time from the safe are calculated and displayed on the display unit or printed out on a single slip.

[0003]

The above-mentioned prior art has the following problems. That is, cash replenishment is generally performed by a specialized company that replenishes cash,
The specialized company mainly replenishes cash to a plurality of automated teller machines installed outside stores such as banks. When this specialized company replenishes cash to multiple automated teller machines installed outside stores such as banks, the specialized company has a contract to replenish cash by borrowing interest from the bank and borrowing it. Is common. Therefore, in order to reduce the amount of loss due to the interest rate, the work cost, etc. as much as possible, it is necessary to work efficiently between a plurality of automatic transaction devices. In addition, it is necessary to efficiently move between a plurality of automated teller machines, including occasional temporary cash replenishment.

However, in reality, since no consideration is given to the traveling time and distance between a plurality of automatic transaction devices,
The amount of loss due to interest on replenished cash increases, and the amount of loss due to work cost increases as the number of occasional extra cash replenishments that occur irregularly increases. There was a problem that the movement distance was irregular.

An object of the present invention is to make a replenishment schedule of required cash that does not cause cash outage predicted for each automatic teller machine so that a loss amount due to work cost and interest rate is reduced. It is to provide a schedule decision support method.

Another object of the present invention is to propose a schedule that optimizes the travel time and route between a plurality of automated teller machines per day, thereby reducing the workload for examining the replenishment sequence. It is to provide a method for supporting a cash replenishment schedule determination of a transaction device.

[0007]

A cash replenishment schedule determination support method for an automatic teller machine according to the present invention is an automatic teller machine having means for storing cash and means for paying out cash according to a user's operation. Predict the transaction volume of each automated teller machine, calculate the required amount of cash per day from the prediction result, and determine the cash replenishment schedule of each automated teller machine based on this calculation result. The supplementary schedule decision support method has the following features.

That is, based on the calculation result of the amount of cash required per day for each of the above-mentioned automatic teller machines and the work cost for replenishment calculated in advance, the cost for replenishing cash is reduced and In order to reduce the amount of loss due to such interest rates, the first step of calculating how many days cash replenishment should be performed for each automatic teller machine for efficient fund management, and the pre-calculated day Based on the data of the workable time and the amount of cash that can be replenished and the calculation result of the cash required per day for each of the above-mentioned automated teller machines, the working time per day and the cash amount do not exceed the maximum value, and the working time Based on the second step of calculating a schedule for averaging the cash amount and the data of the distance between the automatic teller machines and the traveling time calculated in advance,
And a third step of calculating a route that reduces the time required to move between the installation destinations of the automated teller machine that travels a day.

According to the present invention, a schedule in which various costs are optimized on the basis of various work costs for cash replenishment, pre-registered data such as interest rates on the replenished cash, and the transaction volume predicted by known techniques. To suggest
The operator can reduce various costs and the amount of loss due to interest rates simply by inputting various data.

[0010] Further, by proposing a cash replenishment schedule that optimizes the moving time and route between the automated teller machines for one day by registering the distance and the transit time between the automated teller machines in advance. You can do it, decide the replenishment destination,
It is possible to reduce the work load until the replenishment order is determined.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a system configuration diagram showing an embodiment of the present invention. In FIG. 1, an automated teller machine 1
A and 1B are installed outside the store 101, and the automated teller machine 1C is installed outside the store 102. The automated teller machines 1A, 1B, 1C are devices that pay and receive cash according to the transaction request data input by the operation of the user.

The center 100 and the stores 101 and 102 outside the stores are connected via a communication line. The server 3 in the center 100 is provided with a transaction record data storage unit 4, a calendar storage unit 5, a working time / fund amount data storage unit 6, and a distance / time data storage unit 7.

The transaction record data storage unit 4 receives the transaction request data input by the user of the automated teller machine (1A, 1B, 1C) in real time or at regular time intervals via the router 2 in the center 100, Store as transaction record data. Further, the calendar storage unit 5, the working time / fund amount data storage unit 6, the distance / time data storage unit 7, and the basic value data storage unit 10 of the server 3 are storage units of data necessary for schedule determination. Of these, the basic value data storage unit 10 is provided in the processing unit 8B.

Further, the processing section 8B is provided with a display section 8A and an input section 8C. The processing unit 8B is a processing device that determines a schedule and predicts transactions. The display unit 8A also displays the schedule. The input section 8C is
This is an apparatus for inputting data to be stored in the various data storage units 5 to 7 and data to be stored in the basic value data storage unit 10. Further, the transaction prediction data storage unit 9 in the processing unit 8B
Is a storage unit for storing the transaction volume predicted by a known technique.

2 to 7 are explanatory diagrams showing the flow of the schedule determination process in the embodiment shown in FIG. 2 to 7, a black arrow means data to be referred to, and a white arrow means a processing flow. In addition, in Schedules 1 to 3 shown in FIGS.
The column of means an automatic teller machine, and the column of times means the number of times of replenishing cash.

FIG. 2 is an explanatory diagram showing an example in which the transaction request data input by the user is stored in the transaction record data storage unit 4 of the server 3. As shown in FIG. 2, the transaction request data input to the automated teller machines 1A to 1C by the operation of the user is stored in the transaction record data storage unit 4 of the server 3 in real time or at regular time intervals.

FIG. 3 is a view showing an example of the basic value input screen 11 displayed on the display section 8A. Cost / interest rate / period data necessary for determining a schedule is input from the input section 8C, Basic value data storage unit 10 in the processing unit 8B
Store to.

FIG. 4 is an explanatory view showing the transaction volume forecasting process. Referring to the transaction record data storage unit 4 and the calendar storage unit 5, the period stored in the basic value data storage unit 10 for each day will be described. The forecast of the transaction amount is obtained using a known technique, and the result is stored in the transaction forecast data storage unit 9.

FIG. 5 is an explanatory diagram showing the process of determining the number of supplements. As shown in FIG. 5, the amount of cash required per day for the period stored in the basic value data storage unit 10 is calculated from the data in the transaction prediction data storage unit 9 for each of the automated teller machines 1A to 1C. Next, the cash amount that can be replenished in one day stored in the working time / fund amount data storage unit 6 and the cost stored in the basic value data storage unit 10 are arithmetically processed to obtain each cash automatic transaction. Device 1
It is calculated how many days a day the cash replenishment goes to A to 1C and the cost for the replenishment becomes the least, and the result is displayed as the schedule 1 on the display unit 8A.

FIG. 6 is an explanatory view showing an optimizing process for distributing the replenishment days so that the working time of one day and the amount of replenishment funds are averaged. In the optimization process, for the data displayed in schedule 1 that you go to cash replenishment once every few days,
By referring to the working hours and the amount of funds that can be replenished for each automatic cash transaction apparatus 1A to 1C from the working time / fund amount data storage unit 6, the working time for one day and the amount of replenished funds are averaged. Distribute the replenishment date to. The dispersed result is displayed as the schedule 2 on the display unit 8A.

FIG. 7 is an explanatory diagram showing the replenishment order determination processing. In the replenishment order determination process, in order to determine the replenishment order within one day of the determined schedule 2, the distance and
By referring to the data in the time data storage unit 7, an order is calculated so that an efficient route takes less time to move between the automated teller machines 1A to 1C installation destinations, and the result is finally determined. The schedule 3 is displayed on the display unit 8A.

FIG. 8 to FIG. 11 are explanatory views showing the flow of processing for changing the once fixed schedule. In addition, in Schedules 3 to 6 shown in FIGS.
The column of M means an automated teller machine, and the column of times means the number of times of replenishing cash.

FIG. 8 is an explanatory diagram showing a process for changing the replenishment frequency of an arbitrary automated teller machine in the already determined schedule 3. As shown in FIG. 8, the operator uses the input unit 8C to change the replenishment count of an arbitrary automated teller machine, and presses the recalculation key 19 of the input unit 8C.

FIG. 9 is an explanatory diagram showing the replenishment number determination process again. By pressing the recalculation key 19 of the input unit 8C, it is calculated again how many days the cash replenishment should go to each cash automatic transaction device to reduce the cost again, and the result is set as the schedule 4. It is displayed on the display unit 8A.

FIG. 10 is an explanatory diagram showing a re-optimization process in which the replenishment days are dispersed so that the working time of one day and the amount of replenishment funds are averaged. By this optimization processing, the schedule 5 is calculated again by recalculation so that the various costs, the working time per day, and the cash amount are averaged, and the schedule 5 is displayed on the display unit 8A.

FIG. 11 is an explanatory view showing the replenishment order determination process again. As a result, the changed final schedule 6 is calculated so that the order and route of replenishment are optimized, and the result is displayed on the display unit 8A.

FIGS. 12 to 14 show that when a cash outage is likely to occur in an automated teller machine other than the automated teller machine incorporated in the already determined schedule,
It is explanatory drawing which shows the flow of the schedule determination process which incorporates the said cash automatic transaction apparatus in a schedule of the day.

FIG. 12 is an explanatory diagram showing a replenishment schedule of a plurality of automated teller machines. In the replenishment destination determination screen 1 shown in FIG. 12, the ATM column means an automatic teller machine, the order means the order of replenishment, 25, 26, etc. means the date, and the upper horizontal line shows the cash automatic transaction. This means the remaining amount of the 10,000-yen bill of the device, the lower horizontal line means the remaining amount of the 1,000-yen bill of the cash automatic transaction device, and the triangle attached to the lower horizontal line means the scheduled replenishment date. As shown in FIG. 12, the automated teller machine A1 has a small remaining amount of 10,000-yen and 1,000-yen notes, and there is a risk that the 10,000-yen note and the 1,000-yen note will be empty by the scheduled replenishment date. Therefore, it is necessary to urgently replenish the automatic teller machine A1.

FIG. 13 is an explanatory diagram showing the process of changing the supplement destination. That is, FIG. 13 shows a state in which the replenishment schedule when the automatic teller machine A1 is temporarily incorporated in the schedule on the 26th is displayed on the display unit 8A as the replenishment destination determination screen 2.

FIG. 14 is an explanatory diagram showing the replenishment order determination processing. That is, in FIG. 14, the replenishment of the automated teller machine A1 performed on the 26th is performed by the replenishment order determination processing such that the order and the route are optimized in the day, and the replenishment destination determination screen 3 shown in FIG. The order of the automatic teller machine to be replenished with is changed and displayed on the display section 8A.

As is clear from the above description, according to the above-described embodiment, since the decision support of the schedule is performed based on the transaction volume predicted by the known technique, the number of temporary cash replenishment due to the occurrence of cash shortage can be determined. There is an effect that can be reduced. or,
The time required for the operator to consider the schedule can also be reduced.

Further, since a schedule is proposed in which the amount of loss on the replenished cash due to the interest rate is minimized and the work cost for replenishing the cash is reduced, it is possible to perform the operation with good fund efficiency.

Furthermore, since an operator who is not familiar with the geography of each region, a new operator, etc. can also make a schedule, it is possible to dedicate this work.

[0035]

According to the cash replenishment schedule decision support method of the automatic teller machine according to the present invention, the amount of loss due to the work cost and the interest rate is calculated for the replenishment of the required cash without the cash shortage predicted for each automatic teller machine. This has the effect of making it possible to plan a replenishment schedule that is reduced.

Further, according to the cash replenishment schedule determination support method for the automatic teller machine of the present invention, it is possible to propose a schedule in which the travel time and route between a plurality of automatic teller machines per day are optimal. Therefore, there is an effect that it is possible to reduce the work load when considering the replenishment order.

[Brief description of drawings]

FIG. 1 is a system configuration diagram showing an embodiment of the present invention.

FIG. 2 is an explanatory diagram showing an example in which transaction request data input by a user is stored in a transaction record data storage unit 4 of a server 3.

FIG. 3 is a diagram showing an example of a basic value input screen 11 displayed on a display unit 8A.

FIG. 4 is an explanatory diagram showing a transaction volume prediction process.

FIG. 5 is an explanatory diagram showing a replenishment count determination process.

FIG. 6 is an explanatory diagram showing an optimizing process for distributing replenishment days so that the working time per day and the amount of replenishment funds are averaged.

FIG. 7 is an explanatory diagram showing a supplement order determination process.

FIG. 8 is a diagram showing a schedule that has already been determined.
Explanatory drawing which shows the process which changes the number of times of replenishment of an automatic teller machine.

FIG. 9 is an explanatory diagram showing a replenishment count determination process again.

FIG. 10 is an explanatory diagram showing a re-optimization process in which the replenishment days are dispersed so that the working time of one day and the amount of replenishment funds are averaged.

FIG. 11 is an explanatory diagram showing a replenishment order determination process again.

FIG. 12 is an explanatory diagram showing a replenishment schedule of a plurality of automated teller machines.

FIG. 13 is an explanatory diagram showing a replenishment destination changing process.

FIG. 14 is an explanatory diagram showing a supplement order determination process.

[Explanation of symbols]

1A to 1C ... Automated teller machine, 2 ... Router, 3 ... Server, 4 ... Transaction record data storage unit, 5 ... Calendar storage unit, 6 ... Working time / fund amount data storage unit, 7 ... Distance / time data storage unit , 8A ... Display section, 8B ... Processing section, 8C ...
Input part, 9 ... Transaction prediction data storage part, 10 ... Basic value data storage part, 11 ... Basic value input screen, 19 ... Recalculation key.

Claims (1)

[Claims] 1. An automatic teller machine equipped with a means for storing cash and a means for paying out cash according to a user's operation, predicting the transaction volume of each automatic teller machine, and calculating the amount required per day from the prediction result. A cash replenishment schedule determination support method for an automated teller machine that calculates a cash amount and determines a cash replenishment schedule for each automated teller machine based on the calculation result, which is required per day for each of the automated teller machines described above. Each cash automatic transaction device so that the cost for cash replenishment can be reduced and the amount of loss due to the interest rate on the replenished cash can be reduced based on the calculation result of the appropriate cash amount and the work cost for replenishment calculated in advance. The first step to calculate how many days cash replenishment can be used for efficient fund management, and the pre-calculated workable time per day Based on the available cash amount data and the calculation result of the cash required for each day of each automatic teller machine, the working hours and cash amount per day do not exceed the maximum value, and the working hours and cash amount are averaged. The second step of calculating such a schedule, and the time required to move between the installation destinations of the automated teller machine per day based on the data of the distance and the transit time between the automated teller machines calculated in advance. And a third step of calculating a route such that the number of charges is reduced.