JPS5932828B2 - Cash management method - Google Patents

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention relates to a cash management system, and in particular, to enable efficient business processing when a deposit transaction is made from a customer's amount during counter operations at a bank, etc. Regarding cash management methods.

[Conventional technology and problems]

At conventional bank counters, as shown in Figure 1, one bill dispensing machine (auto cashier) AC and one bill depositing machine (auto depositor) AD are combined into two online tellers machines OTMI and OTM2. connected to handle deposits and withdrawals from customers.

At this time, the AD is provided with a discrimination section 1, an intermediate pool section 2, and a safe 3, as shown in Fig. 2, and when a bill deposited by a customer is inserted by an operator operating the OTM, the authenticity of the bill is The types of counterfeit banknotes and banknotes and the number of banknotes for each type are calculated, and the deposit amount is dynamically calculated. The calculated banknotes are stored in the intermediate pool section 2. At this time, the operator enters the account number and deposit amount written on the deposit slip using the keyboard, and the deposit amount is confirmed as AD.
When the amount matches the calculated amount, the send key to the center HOST is pressed, and the data necessary for rewriting, such as the account number and the deposited amount, is sent to the file of the center HOST via the terminal control unit TC. After the center HOST receives this and rewrites the file, the terminal controller TC
A transaction completion signal is sent to the OTM on the side that sent the data, and when the OTM sees this transaction completion signal and presses the transaction completion confirmation key, it is stored in the intermediate pool section 2 of the AD. The banknotes that were stored are stored in the safe 3. However, due to reasons such as account number mismatch, the center HOST
When a transaction failure signal is returned from the OTM, the operator of the OTM opens the AD outlet 4 and takes out the deposited banknotes, and either repeats the same operation or asks the customer to confirm the account number, etc. .

In this way, in conventional bank teller machines, banknotes deposited in the intermediate pool section 2 of the AD are stored until the transaction completion signal is sent from the center, so even if you try to perform the deposit operation from the other OTM, There was a problem in that the previous deposit transaction could not be executed until a response was received from the center, and as a result, deposits and money operations were likely to be delayed.

[Object of the Invention] The object of the present invention is to provide a cash management system that shortens the storage time of banknotes deposited in the intermediate pool section of the AD during deposit operations in order to improve such problems. .

[Structure of the invention]

In order to accomplish this purpose, the cash management method of the present invention includes:
In a cash management system that includes a bill depositing means 6 for calculating the input bill amount, a bill dispensing means 7 for automatically paying the specified amount, and a deposit amount inputting means 5 for inputting the deposit amount based on the deposit slip, the deposit amount is Comparing means 10 for comparing the amount input from input means 5 and the amount deposited from final deposit means 6, and refund instruction means 18 for issuing a refund instruction are provided, and when a transaction failure signal is notified from the center, The present invention is characterized in that the amount matched by the comparing means 10 is paid from the banknote dispensing means 7.

[Embodiment of the Invention] Before explaining the present invention in detail based on one embodiment, an outline of the present invention will be explained.

In the present invention, when a customer makes a deposit transaction, when the amount on the deposit slip matches the amount calculated by the bill deposit machine AD, the deposited bill is stored in the safe of the AD, and if the center issues a transaction failure signal. Bill dispensing machine AC when transmitted
The amount of banknotes deposited is automatically paid out.

As a result, the time during which banknotes are stored in the intermediate pool of the AD can be significantly shortened, and the next deposit transaction process can be carried out quickly, and even if the transaction is unsuccessful, no problem will occur. An embodiment of the present invention will be described below with reference to FIGS. 3 and 4.

FIG. 3 is a configuration diagram of an embodiment of the present invention, and FIG. 4 is an explanatory diagram of its operation.

In FIG. 3, 5 is a keyboard, 6 is a bill deposit machine, 7 is a bill dispenser, 8 is an input cover, and 9 is a . AD Batsuhua,
10 is a comparison circuit, 11 is an AND circuit, 12 is a transmission buffer, 13 is a terminal controller, 14 is a transaction reception buffer, 15 and 16 are AND circuits, 17 is an inverter,
18 is a refund instruction section, 19 is an OR circuit, 20 is a control section, 2
1 is a deposit counter, 22 is a withdrawal counter, 23 is a transfer counter, and 24 and 25 are AND circuits.

In Fig. 3, everything except the bill depositing machine 6, bill dispensing machine 7, and terminal controller 13 is installed in each 0TM. The total amount is calculated, and the calculation result is sent to the AD buffer 9, which sets these values.

The banknote deposit machine 6 stores the deposited banknotes stored in the intermediate pool section in a safe when a matching signal, which will be described later, is further transmitted from the comparison circuit 10. In the deposit transaction mode, the comparator circuit 10 compares the deposit amount input from the keyboard 5 (entered by the operator from the deposit slip) according to instructions from the control unit 20 and the deposit bill amount output from the bill deposit machine 6. It is used for comparison and outputs a match signal when they match.

The transaction receiving buffer 14 receives a transaction completion signal or a transaction failure signal transmitted from the center, and outputs "0" when the transaction is unsuccessful, and normally outputs [1].
is output.

When the refund instruction unit 18 receives a transaction failure signal from the center via the terminal controller 13,
The type and amount data of the deposited banknotes set in the AD buffer 9 is transmitted via the AND circuit 16, and the banknote dispensing machine 7 is configured to pay the same banknote type and amount as this banknote type and amount.
It outputs payment instructions for

The deposit counter 21 counts the amount of money deposited into the safe of the banknote deposit machine 6 when a deposit transaction is made by a customer.

The dispensing counter 22 counts the amount paid from the bill dispensing machine 7.

The transfer counter 23 counts the amount transferred and paid from the banknote dispensing machine 7 based on the transaction failure signal transmitted from the center.

The operation shown in FIG. 3 will be explained according to the flowchart shown in FIG. 1. Let us now assume that a customer requests the operator of 0TM1 (FIG. 1) for a deposit transaction.

Then, the operator of 0TM1 inputs the amount written on the deposit slip using the keyboard 5, and this is set in the input buffer 8. Also, put cash into the banknote deposit machine 6.
Thereby, the banknote deposit machine 6 distinguishes and counts the cash, sends out the counting result, and sets this in the AD buffer 9. As a result, the comparison circuit 10 compares the input amount from the keyboard with the amount counted by the banknote deposit machine 6, and if there is a discrepancy, it notifies the operator. The operator checks whether the deposit slip matches the keyboard input, checks whether there are any banknotes that have been erroneously determined to be genuine or false, and repeats this input operation. 2. If the input from the keyboard and the deposit from the banknote deposit machine match, the comparator circuit 10 outputs a match signal.

This coincidence signal is transmitted to the banknote deposit machine 6, so that the banknote deposit machine 6 takes the deposited cash into the safe. This means that the deposit (storage) operation by the banknote deposit machine 6 has been completed for the deposit transaction input from 0TM1. Furthermore, the match signal from the comparator circuit 10 is transmitted to the AND circuit 24, and the deposit counter 24 counts the deposit amount.The match signal is further transmitted to the AND circuit 11, so that the deposit amount set in the deposit buffer 8 is , account number, and other data necessary for the transaction are set in the transmission buffer 12. The data is then transmitted from the terminal controller 13 to the host processor at the center. In this way, the unit (
In this case, during the center communication for the deposit transaction (from 0TM1), the storage operation of the banknote deposit machine 6 for the deposit transaction is completed. Therefore, the banknote deposit machine 6 can start processing the next deposit transaction (for example, the deposit transaction from 0TM2).

The third host processor checks this transmission power and, if there is no abnormality, transmits an 0K signal, which is transmitted to the 0TM and the transaction is completed.

In this case, a message indicating transaction permission is sent to 0TM1, and processing such as receipt printing and bookkeeping is performed. and 0TM1
The operator will return the receipt, passbook, etc. to the customer and terminate the service for that customer. 4 However, when the host processor checks this transmission power and finds that, for example, the account number does not exist, it sends a transaction failure signal, which is transmitted to the transaction reception buffer 14 via the terminal controller 13. "O" is set.

5 As a result, the inverter 17 outputs "1" and the AND circuit 16 is turned on, so that the output data of the banknote deposit machine 6 set in the AD buffer 9 is sent from the AND circuit 16 to the refund instruction section 18.

In this case, the deposit (accommodation) process of the banknote deposit machine 6 in the deposit transaction that the host processor has determined as unsuccessful has been completed. In other words, it is impossible to return the deposited banknotes from the deposit machine 6 if the transaction is unsuccessful. Therefore, the refund instruction unit 18 causes the dispensing machine 7 to eject the returned banknotes for the failed deposit transaction. That is, the refund instruction section 18
reads the number of deposited banknotes for each type, creates a refund payment command signal, and transmits this to the banknote dispensing machine 7 via the OR circuit 19. Thereby, the bill dispensing machine 7 pays the same amount using the same type of bill as the deposited one. The output of the refund instruction section 18 is sent to the withdrawal counter 2 at the same time.
2 and transfer counter 23 as well. As a result, the withdrawal counter 22 will count the amount withdrawn from the bill dispensing machine 7, and the transfer counter 23 will add the amount transferred and withdrawn from the bill dispensing machine 7 based on the failure of the transaction at the center. Become. In this way, the transaction ends in an unsuccessful state. When the customer requests a deposit withdrawal, the AND circuit 25 is turned on by operating the withdrawal key from the keyboard, and withdrawal request data is sent from the transmission buffer 12 to the center via the terminal controller 13. If the host processor processes this and the transaction is completed 0K, a transaction completed signal "1" is set in the transaction reception buffer 14, the AND circuit 15 is turned on, and the payout amount set in the input buffer 8 is output to the OR circuit. The bill is transmitted to the banknote dispensing machine 9 via the banknote dispensing machine 9 and dispensing is executed, and the dispensing counter 22 counts this. Now, when business is carried out using two 0TMI1s using the cash management method of the present invention, the situation will be as follows.

Deposit counter of 40TMI + Deposit counter of 0TM Cash in the safe @ Withdrawal counter of 0TM1 + Withdrawal counter of 0TM = Withdrawal amount from AC Deposit counter of 00TM Transfer counter of 0TMI = Deposit transaction amount at 0TMI @
0TMI withdrawal counter 0TMI transfer counter = 0
Withdrawal transaction amount at TMI [Effects of the invention] According to the present invention, when the deposit data matches in one 0TM operation and cash is taken into the safe, the bill deposit machine can be used in the other 0TM. Therefore, when two people use the bill input machine, the time they spend exclusively on it can be shortened.

Therefore, the efficiency of using the banknote input machine is improved, and the service to customers is improved.

[Brief explanation of the drawing]

Fig. 1 is a circuit diagram when AC and AD are used with two 0TMs, Fig. 2 is an explanatory diagram of the AD structure, Fig. 3 is a configuration diagram of an embodiment of the present invention, and Fig. 4 is an explanation of its operation. It is a flowchart. In the figure, 5 is a keyboard, 6 is a bill depositing machine (AD), 7 is a bill dispensing machine (AC), 8 is an input buffer, 9 is an AD buffer, 10 is a comparison circuit, 11 is an AND circuit, 14 is a transaction reception buffer, 18 is a refund instruction section, 20 is a control section, 21 is a deposit counter, 22 is a withdrawal counter, and 23 is a transfer counter.

Claims (1)

[Claims] 1. In a cash management system having a bill depositing means for counting and storing the input bill amount in a storage section, a bill dispensing means for automatically paying a specified amount, and a deposit amount input means for inputting the deposit amount based on a deposit slip. , a comparison means for comparing the amount input by the deposited amount input means and the amount counted by the bill depositing means, and a refund instruction means for issuing a refund instruction,
Based on the amount matching signal from the comparing means, the banknote depositing means stores the counted banknotes in the storage section, and when the transaction failure signal is notified, the banknote depositing means receives the matched amount by the comparing means according to an instruction from the refund instruction means. A cash management system characterized in that payment is made from the banknote dispensing means.