JPS60134968A - Automatic cash dispenser - Google Patents

Abstract

PURPOSE:To reduce an installation space, to enhance an operating ratio of a cash dispenser and to improve cash efficiency by connecting plural pairs of user operation parts to a time-sharing cash dispenser. CONSTITUTION:When two users operate a cash dispensor 14 simultaneously, user operation parts 11, 12, 13 and 21, 22, 23 are operable simultaneously, and different magnetic cards can be inserted into inter-printer units CIP11 and 21 at the same time. Even if keyboards 13 and 23 are simultaneously keyed in, read-out data from a magnetic card and keyed-in-data are independently compiles as a transmission telegram to a central computer operation system in a control part 16, and transmitted in the order of early comer or that of priority. The operated result of the central computer system is informed to an automatic cash dispenser through a communications circuit 15, and the prescribed operation is executed. Thus the user operation parts are separatedly installed, but there is only one unit of cash dispenser. Through the time-sharing usage, cash effciency can be enhanced at a low cost with saved space.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to the configuration of an automatic teller machine used as automated equipment in financial institutions.

Automatic teller machines (cash dispensers, also referred to as CDs) are automated devices used by financial institutions that allow customers to withdraw cash from savings accounts by operating the device themselves using magnetic cards. ing.

As shown in Figure 1, an automatic teller machine reads a magnetic card, takes it onto an imprinted journal paper with embossed characters, and issues a cash register.
c Card reader writer Impr.
interPrinter 1 (hereinafter abbreviated as CIP)
), a display device 2 that displays illustrations and text in full to guide the customer's operations, a display device 2 that displays the information entered by the customer, and a display device 2 that allows the customer to select the type of transaction and input the PIN number and amount. A blank keyboard 3, a bill dispensing machine 4 that dispenses bills, and a communication port for communicating with the central electronic calculation organization?
It is equipped with a control section 6 that controls and monitors all the operations of each of the above units by W&5 and a built-in program.

FIG. 2 is a flow diagram illustrating the customer operation of the automatic teller machine and the operation of the component units when requesting a cash payment. To explain the operation of an automatic teller machine using Fig. 2, a customer inserts a magnetic card into the CIP, enters a PIN number, and pays out f:
When the requested amount is entered, the automatic teller machine transmits the information read from the magnetic card, the stolen PIN number, the amount, etc. to the central electronic computing organization. The central electronic accounting organization will confirm that the customer can open the deposit account requested by the customer, check the balance to see if the requested amount can be paid, and if the payment is possible, the central electronic accounting organization will A message is sent to the cash dispensing machine indicating that payment is possible. The automatic teller machine receives this message in the 9 digits, counts banknotes and prints a receipt in parallel, and first allows the customer to receive the magnetic card and receipt, and then allows the customer to receive the banknotes.

1 from when the customer inserts the magnetic card τ until receiving cash
It takes an average of 20 to 30 seconds to process a case, but the operation time of the bill dispensing machine 4, which is expensive because it processes all the cash without too much or too little money, is within 5 to 10 seconds.
The bill dispensing machine 4 does not operate at all for 5 seconds to 20 seconds. It is not preferable that the operating rate of the banknote dispensing machine 4, which accounts for a large proportion of the cost, is low. In addition, automatic teller machines are used for transactions that do not require the use of banknote dispensing machines at all, such as balance inquiries to check the balance of a savings account, transfers to a specific account, and transfers from one account to another. In this case, the operating rate of the banknote dispensing machine 4 decreases more and more if the model is changed.

Therefore, the purpose of the present invention is not limited to large-scale financial institutions, but in light of the situation where multiple automatic teller machines are being installed in one place in order to improve customer service. By using the Ruru bill dispensing machine in a time-sharing manner, we aim to realize an inexpensive automatic cash dispensing machine.

What is the other purpose of this invention? The objective is to realize an automatic teller machine that can be made smaller.

Furthermore, another object of the present invention is to provide an automatic cash dispensing machine that increases the operating rate of the bill dispensing machine and enables a financial institution to improve the efficiency of funds provided to the automatic cash dispensing machine.

According to the present invention, by having a plurality of customer operation sections each equipped with a magnetic card reading/writing interpreter/printer unit, a keyboard, and a display that can be operated independently, and by using one banknote dispensing machine in a time-sharing manner, An automatic cash dispensing machine is obtained, which is characterized in that it can accommodate a plurality of customers at the same time.

Next, the present invention will be described in detail with reference to the drawings showing embodiments of the present invention.

In FIGS. 3, 4 and 5, the automatic teller machines include Disgray 12 and 225m machines 13 and 23.
, a bill dispensing machine 14 that can dispense bills in both directions. Communication line for communicating with the central electronic computing organization 15. and control unit 1
Has 6ffi. CIPll, display 12 and keyboard 13 on one side, and CIP21. The display 22° and the keyboard 23 constitute the customer operation section on the other side. Thousand yen bill safe 32° Thousand yen hole feeding row 233. Thousand yen bill feeding roller 34°Each safe 31.
32 to the temporary storage section 36. and banknote transport paths 37 and 38t from the temporary storage section 36 to the banknote discharge ports 39 and 40. The bill dispensing port 39 is operated by the customer.
are arranged on the customer operation section 21, 22, 23 side.

In response to a command from the control unit 16, the banknote dispensing machine 14 sends a designated number of yen bills and 1,000 yen bills to the respective payout rollers 33.
, 34, nine bills are fed out, passed through a conveyance path 35, and stacked in a temporary storage section 36. When the specified number of bills have been dispensed, the bills stored in the temporary holding section 36 are passed through the bill conveyance path 37 or 38 and sent to the bill discharge port 39 or 40, respectively, so that the bills are discharged to the customer who requested full bill payment. released.

Next, the operation when two customers operate the device at the same time will be described. Customer operation parts 11, 12, 13° and 21.
22 and 23 can be operated at exactly the same time, so even if separate magnetic cards are inserted into CIP II and 21 at the same time and keys 13 and 23 are pressed at the same time, the data on the read magnetic cards and the keystrokes will not match. The data is separately assembled by the control unit 16 as a message to be transmitted to the central electronic computing organization, and sent out through the communication line fl15 in the earliest order, or in the case of simultaneous transmission, in a predetermined priority order.

The processing results of the central electronic division organization are notified to the automatic teller machine through communication circular 15, but as explained just now, the customer's payment permission message from the customer operation section 11, 12, and 13 arrives first. Assuming that the number of bills has increased, the banknote dispensing machine 14 counts the banknotes and stores them in the temporary storage unit 36 according to the result. At the same time, a receipt is created by CIPII and released together with the magnetic card. The banknotes are then discharged to the bill discharge port 39.

During this time, the message of the processing result of the customer's central electronic calculation system of the customer operation unit of other 21.22.23 will be held in the control unit 16 if it is an instruction to pay banknotes, but the message will be held in the control unit 16, but the message will be retained in the control unit 16, For transactions that do not use a banknote dispensing machine, a receipt is immediately generated and released along with the magnetic card.

When a customer in the immediate customer operation section 11, 12, 13piill takes out a bill from the bill ejection port 39, the bill is retained in the control section 16 and the bill is stored in the control section 16.
According to the message, the bill dispensing machine 14 dispenses one bill and temporarily reserves it in ff1s36. At the same time, a receipt is generated at CI i' 21 and released together with the magnetic card. Customer operation department 21, 22.231! ULD
When the customer receives the magnetic card and receipt i, the bill payment machine 1
The banknotes held in the temporary storage unit 36 of No. 4 are transferred to the banknote conveyance path 38? The banknotes are then discharged to the bill discharge port 40.

As is clear from the above explanation, are two customers operating at the same time?
Start, both #1 each request a bill payment, and only if it is possible, one customer runs one bill dispensing machine per customer in series, so the other customers will have to wait until their transactions are completed. However, if one customer does not use the banknote dispensing machine, for example, for transactions such as balance inquiries, the other customer will not be kept waiting.

In this way, each customer operation section is provided, but there is only one bill dispensing machine, and by using it in a time-sharing manner, we have realized a cash dispenser that is inexpensive, space-saving, and increases the operating rate of expensive units. It becomes possible to do so.

In the above explanation, an example has been described in which all the customer operation surfaces are arranged on the front and rear sides of the device, but it is also possible to arrange two sets of customer operation sections on one side of the device. Further, although an example has been described in which one banknote dispensing machine is provided with two sets of customer operation units +C, it is also possible to have three or more sets depending on the operating rate of the valley unit.

As explained above, the present invention is capable of reducing the installation space at low cost by connecting multiple sets of customer operation units to a bill dispensing machine that is used in a time-sharing manner, and thereby dramatically increasing the operating rate of the bill dispensing machine. This has the effect of improving trade efficiency.

[Brief explanation of the drawing]

FIG. 1 is a configuration diagram of an automatic teller machine, FIG. 2 is a flowchart of operations and operations of the automatic teller machine, and FIG. 3 is a flowchart of the operation of the automatic teller machine. FIG. 4 and FIG. 5 are block diagrams, perspective views, and cross-sectional views of an automatic teller machine which is an embodiment of the present invention, and FIG. 6 is a conceptual diagram of a bill dispenser capable of dispensing bills in both directions. . 1.11,2]...CIP,2,12,22・
...Display, 3.13.23...
Keyboard, 4゜14...Banknote dispensing machine, 5.15...
...Communication line, 6゜16...Control unit, 31
・・・・・・Million yen hole safe, 32・・・Thousand yen bill safe, 33・・・Million yen hole feeding roller, 34・・・
・・Thousand yen bill feeding roller, 35, 37, 38・・・・
・Banknote transport path, 36...Temporary storage section, 39.4
0...Banknote ejection port. Hair 1 Figure 2 Figures 3 Figure 4

Claims (1)

[Claims] a plurality of customer operating units each equipped with a magnetic card reader, an imprinter printer unit, a keyboard, and a display, each of which can be operated independently; and a banknote dispensing machine that dispenses banknotes in response to instructions from the customer operating unit. An automatic cash dispensing machine characterized in that it can serve two customers at the same time by using the bill dispensing machine in a time-sharing manner.