JPH11185099A - Automatic cash receiving/dispensing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To attain speeding-up of an examination job and improvement in operation efficiency of currency by putting denomination-obscure currency into a cassette safety box at the time of operation and putting the denomination- obscure currency into a reject box at the time of examination. SOLUTION: Currency made obscure in the denomination at the time of conveyance from a fixed safety box 1 to a money receiving/dispensing port 7 for dispensing money at the time of operation is stored in the cassette safety box (such as A cassette 2a, for example). It is possible for this currency to be fed out again at the time of replenishment during operation. When the denomination is normally discriminated at such a time, this currency is stored in each fixed safety box by denominations of an D stacker 1a or R stacker 1b and can be utilized as currency to be dispensed. When the denomination can not be discriminated at the time of replenishment, the currency is returned to the cassette safety box 2 again. Besides, even when the denomination is made obscure again at the time of operation, the currency is returned to the cassette safety box 2 again. The denomination obscure currency is stored in a reject box 3 at the time of examination.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash dispensing and dispensing apparatus (hereinafter referred to as ATM) used in a financial institution such as a bank.

[0002] In financial institutions, there is a demand for speeding up operations in ATM scrutiny operations and increasing operational efficiency of money.

[0003]

2. Description of the Related Art FIG. 1 is a conceptual view showing the structure of an automatic cash dispensing and dispensing device (ATM device). An outline of the operation of the ATM will be described with reference to FIG.

The ATM device includes a fixed safe (F stacker 1a and R stacker 1b) for storing cash by denomination, a cassette safe (A cassette 2a and B cassette 2b) for loading or collecting cash from outside, Reject box 3 for storing money of unknown denomination, discriminator 4 for discriminating denominations, transport paths 5a and 5b for conveying money, deposit and withdrawal port 7, deposit and withdrawal pool section 6
Although not shown, it is controlled by a control unit including a microprocessor, a memory, and control software.

[0005] First, a cassette safe in which money is packed in an ATM is mounted, money is drawn out from the cassette safe (A / B cassette), the denomination is discriminated, and a fixed safe of a denomination (in this example, a banknote safe F and a banknote safe F). By filling the currency into the cash voucher R), the number of coins loaded into the ATM for each denomination is grasped.

That is, the control unit passes the loaded A cassette 2a or B cassette 2b through the transport path 5b and the discriminator 4, and determines the F stacker 1a and the R stacker 1b according to the determined denomination.
To be housed in either of them. The number for each denomination is counted up accordingly. (Route in FIG. 1). If the denomination cannot be determined, it is stored in the reject box 3. The denominations of money in the first cassette safe may be mixed, and the number of coins may not be clear.

[0007] Operation is started, and a deposit or withdrawal process is performed. In the case of deposit, the money inserted through the cash slot 7 is discriminated by the discriminator 4, and the discriminated money is temporarily placed in the pool unit 6. At this stage, the defective money is subjected to processing such as being returned to the slot. When all the money is received, the money of the denomination is finally stored in each fixed safe.

That is, the control unit draws out from the pool unit 6 and discriminates the F stackers 1a, 1a,
It is housed in one of the R stackers 1b (route in FIG. 1). The number for each denomination is counted up accordingly.

At the time of dispensing, a required number of coins are paid out from each fixed safe, discriminated by the discriminator 4, and the discriminated money is dispensed from the cash slot 7. That is, the control unit draws out from the fixed safe (either the F stacker 1a or the R stacker 1b) of the required denomination and withdraws when the discriminator 4 discriminates it as normal, and determines the number of sheets for each denomination. Count down (route in FIG. 1). If the denomination cannot be determined, it is stored in the reject box 3.

Although discrimination is always performed when these moneys are conveyed, if all the moneys are correctly discriminated, the number of sheets in the apparatus and the actual number of coins match. However, if the money is conveyed diagonally when it is fed out, or if two or more coins are conveyed in an overlapping manner, the discrimination is not performed correctly and the denomination is unknown. In addition, badly damaged or damaged bills, and in rare cases, counterfeit bills, even if it is determined to be normal at the time of deposit, the denomination may be unknown thereafter. The money whose denomination is unknown is stored in the reject box 3. Thus, a difference occurs between the value of the number of sheets for each denomination and the actual number of sheets.

[0011] Transactions continue after the operation starts, and the amount of money in the ATM increases or decreases. If necessary, use a cassette safe as an auxiliary. When the fixed safe is full, put it in the cassette safe, and when the fixed safe is empty, refill it from the cassette safe. Usually, since there are more withdrawal transactions, the money in each fixed safe decreases, and in order to make up for this, replenishment from the cassette safe to each fixed safe is performed as appropriate. At this time, the coins are fed out one by one, discriminated and replenished, but the same shift occurs when coins of unknown denomination occur. However, the probability of occurrence of the above-mentioned money of unknown denomination is about two or three when 1000 coins are conveyed. Therefore, since the generated shift is not large, it is possible to operate by roughly grasping the number of money in the ATM. In this way, the operation is continued while the ATM money can withstand the transaction.

[0012] Then, a scrutiny operation is performed periodically or as needed to determine the deviation. What is ATM scrutiny?
Check the amount of cash inside, and if necessary, replenish or collect cash. The outline of the procedure of the scrutiny work is shown below.

First, the money in the cassette safe set in the ATM is fed out one by one, the denomination of the money is discriminated, the number is counted, and the money is stored in the cassette safe. In other words, the control unit (if necessary, transfers the currency to one of the two cassette safes mounted) A cassette 2a
(Or the B cassette 2b) through the transport path 5b and the discriminator 4, and counts the number of sheets for each denomination based on the determined result. Then, it is stored in the B cassette 2b (or the A cassette 2a). (Route in FIG. 1). Thus, the type and number of money in the cassette safe can be determined (scrutinized).

Next, the cassette safe whose scrutiny is completed is taken out, an empty cassette safe is mounted, and money is paid out one by one from the fixed safes 1a and 1b (hereinafter referred to as fixed safes), which are used for depositing and withdrawing ATMs. Similarly, the denomination of the money is discriminated, the number is counted, and the money is stored in the set empty cassette safe, whereby the fixed safe is closely inspected.

That is, the control section counts the number of sheets of each denomination from the F stacker 1a (R stacker 1b) through the transport path 5a and the discriminator 4 according to the discriminated denomination, and sets the mounted A cassette 2a. (Or B cassette 2b).
(Route in FIG. 1). Usually, since the storage capacity of the fixed safe is larger, both the A cassette 2a and the B cassette 2b are used, and if necessary, a plurality of cassette safes are replaced and used.

The money of unknown denomination generated in the above process is stored in the reject box 3. After all the money in the fixed safe is collected in the cassette safe, the transaction cash count in the cashier is compared with the count that has been scrutinized.

Thereafter, the money is transferred from the cassette safe to the fixed safe and the operation returns to operation.

[0018]

As described above, money of unknown denomination generated at the time of scrutiny is stored in the reject box 3, but when a customer performs a transaction (payment or withdrawal) during transaction operation. The generated denomination unknown currency is also stored in the same reject box 3.

Therefore, the total number of coins in the reject box 3 is known, but the denomination is unknown. It is necessary for the attendant to count by hand and determine the number of rejects at the time of scrutiny and the number of rejects at the time of operation by judging from the print data of the balance, which is troublesome work.

Since the inspection work of the ATM cannot be performed unless the operation of the ATM is stopped, it is usually performed outside the business hours when the customer does not use it, and it is necessary to finish the operation in a short time. It is conceivable to separately provide a storage location for unspecified money at the time of scrutiny and a storage location for unknown currency at the time of normal customer operation, but the device becomes larger accordingly.

[0021]

According to the instructions of the control means, the fixed safe 1, which receives money from the transport means 5, stores the money by denomination, and sends out the money to the transport means 5, according to the instructions of the control means. A removable cassette safe 2 for receiving money from the transporting means 5, storing the money, and sending the money to the transporting means 5, and a reject box 3 for receiving and storing the money from the transporting means 5 according to an instruction of the control means. When the money is conveyed according to the instructions of the control means, the money discriminating means 3 for discriminating the denomination, the conveying means 5 for conveying the money between the above-mentioned parts according to the instructions of the control means, and the control of the conveyance of the money. An automatic cash dispensing / dispensing apparatus having control means for managing the type and number of existing money, wherein the control means is capable of dispensing money during operation or from a cassette safe. When refilling the safe, if the money discriminating means 4 discriminates that the denomination is unknown, the money is put in the cassette safe 2, and the money is transported between the cassette safe 2 and the fixed safe 1 at the time of scrutiny. When the money is discriminated from the cassette safe 2 to the cassette safe 2 by the money discriminating means 4 if the denomination is unknown, the money is controlled to be put in the reject box 3.

That is, in the present invention, the storage destination of the money of unknown denomination is the cassette safe 2 during operation and the reject box 3 during close inspection. In this case, the money in the cassette safe 2 at the time of operation may be fed out again at the time of replenishment. At this time, if the denomination is normally discriminated, the denomination is stored in the fixed denomination safe 1 and can be used as a withdrawal currency. At the time of close scrutiny, the value of normal money is clear.

Further, the automatic cash dispensing and dispensing apparatus is provided with a communication means for communicating with the host apparatus, and the control means is configured to receive a scrutiny instruction from the communicator, perform the scrutiny, and notify the result.

With this configuration, the manual work of the attendant can be reduced as much as possible, and the operation can be started quickly.

[0025]

BRIEF DESCRIPTION OF THE DRAWINGS FIG.
An embodiment of the present invention will be described with reference to FIG.

In this embodiment, the basic hardware configuration is the same as that of the conventional device, but the control method is different. The difference from the conventional one is that the currency whose denomination is unknown when transported from the fixed safe 1 to the deposit / withdrawal port 7 to withdraw money during operation is stored in a cassette safe (for example, A cassette 2a) ( (See route '' in FIG. 3). If you do this,
This money may be paid out again at the time of replenishment during operation (route in FIG. 2). At this time, if the denomination is normally determined, the money is stored in each denomination fixed safe of the F stacker 1a or the R stacker 1b and can be used as a withdrawal currency. If the denomination cannot be determined at the time of replenishment, it is simply returned to the cassette safe (A cassette 2a) again. Further, even if the denomination is unknown again during operation, it is simply returned to the cassette safe (A cassette 2a) again.

As a result, the money of unknown denomination generated during operation is stored in the cassette safe without being added to or subtracted from the number of denominations that originally existed, so that a difference from the actual number in the apparatus occurs. Absent. This is substantially the same as the case where there is no denomination unknown ticket generated during operation.

Here, when it is desired to perform an ATM scrutiny,
The attendant gives a scrutiny instruction by direct operation of the ATM or by operation from a remote monitoring device. The ATM performs scrutiny as follows. (Refer to FIG. 3) First, the currency in the cassette safes 2a and 2b is scrutinized and counted in the same manner as in the past (route). When the scrutiny of both cassette safes is completed, the scrutiny of each fixed safe 1a, 1b is performed.

In the route (3), the money in the F stacker 1a is collected in the cassette safe (whichever may be stored in the A / B cassette), and scrutinized. All the money in the F stacker 1a is stored in the cassette safes 2a and 2b, and the number of F stackers 1a is determined.

Next, money is replenished from the cassette safe to the F stacker 1a by the following route to secure an empty space in the cassette safe so that the R stacker 1b can be inspected closely. Similarly, all the money in the R stacker 1b is stored in the cassette safes 2a and 2b, and the scrutiny is completed. Here, when the number of coins in the fixed safes 1a and 1b is small, they may all be stored in one cassette.

Thus, all normal money in the ATM has been counted. At the time of this scrutiny,
It is stored in the reject box 3. The clerk can easily grasp the total number of coins that have been used in the ATM by looking at the data on the number of ATMs (may be printed on a receipt or the like) upon completion of the close inspection.

In other words, since the amount determined from the total number loaded into the ATM from the receipt and payment + the amount of money in the host (addition and subtraction of deposit and withdrawal transactions) = the amount determined from the number of denominations in the close examination + the amount in the reject box, Does not need to calculate the denomination unknown ticket generated during operation. The attendant only needs to check the money stored in the reject box. With this, the scrutiny is OK and the operation can be resumed as it is.
The fixed cash (F stacker 1a) of the ATM is already replenished with money, and if the money of the R stacker 1b is needed, it can be processed by replenishment during operation.

Incidentally, if the reject box 3 is also made to have a cassette structure, the staff only has to replace this cassette with an empty one and take it home. That is, the clerk does not have to touch the money directly, but only needs to exchange cassettes, including the cassette safe. It is not necessary to change the cassette every time each time the inspection is performed.

Further, when the host device instructs the ATM to perform the close inspection, the close inspection can be automatically started. Also, since the cash amount and tendency in the ATM can be grasped from the host device, a staff member may go out if it is determined that a cassette replacement operation is necessary (replenishment or accommodation of cash).

[0035]

As described above, according to the present invention,
It is possible to minimize the occurrence of unspecified denomination tickets in operation,
It can be substantially zero. If the amount of money during operation is not so large, the handling of cassette safes and reject boxes can be reduced. Therefore, there is no need for the attendant to be at the ATM at the time of scrutiny, so that the scrutiny can be performed automatically from the host device.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of the structure of an automatic cash dispensing and dispensing apparatus.

FIG. 2 is an explanatory diagram of the operation of the embodiment (during operation).

FIG. 3 is an explanatory diagram of the operation of the embodiment (at the time of close inspection).

[Explanation of symbols]

 Reference Signs List 1 Fixed safe 1a, 1b (F stacker, R stacker) 2 Cassette safe 2a, 2b (A cassette, B cassette) 3 Reject box 4 Discriminator 5 Transport means 5a, 5b Transport path 6 Deposit / withdrawal pool section 7 Deposit / payment port

Claims (2)

[Claims] 1. A fixed safe for receiving money from the transport means according to instructions from the control means, storing the money in denominations, and sending the money to the transport means, and receiving money from the transport means according to the instructions from the control means. A removable cassette safe for storing and sending money to the transport means, a reject box for receiving and storing money from the transport means according to instructions from the control means, and transporting money according to instructions from the control means. Sometimes, money discriminating means for discriminating denominations, conveying means for conveying money between the above-described parts according to instructions of the control means, control for controlling the conveyance of money and managing the type and number of existing money An automatic cash dispensing / dispensing apparatus having means for controlling the operation of the automatic cash dispenser when dispensing money or refilling a fixed safe from a cassette safe during operation. When the money is discriminated as unknown by the means, the money is put in a cassette safe, and when the money is transported between the cassette safe and the fixed safe at the time of close inspection, or when the money is transferred from the cassette safe to the cassette safe, the money is discriminated. An automatic cash dispensing / dispensing apparatus characterized in that when the denomination is discriminated by means, the money is controlled to be put in a reject box. 2. The automatic cash dispensing and dispensing device according to claim 1, further comprising a communication unit with the host device, wherein the control unit receives a scrutiny instruction from the communication unit, performs the scrutiny, and notifies the result. An automatic cash depositing and dispensing device, characterized in that it is configured to perform the following operations.