JPS61169986A - Cash processing system - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Industrial Application) The present invention relates to a system installed in a financial institution such as a bank for processing cash in bulk, and particularly to the configuration of a teller deposit/disbursement machine that constitutes the system.

(Prior Art) Several systems for counters in banking have been proposed to improve the efficiency of fund management. For example, Japanese Patent Application Laid-open No. 59-55595 and Utility Model Publication No. 53-
As described in Publication No. 42154, a plurality of teller sections each having a cash input/output port, a teller section having a safe for storing cash, and a teller section provided between the teller section and each teller section. It is equipped with a conveyance path and a conveyance body that is installed on the conveyance path and is loaded with cash and moves between the teller section and each counter section, and it is possible to load cash on the conveyance body depending on the type of transaction. A cash processing system has been proposed in which transaction cash is transferred between a teller section and a teller section.

(Problems to be Solved by the Invention) However, in the system configuration as described above, after the system is installed in a financial institution such as a bank and starts operating, some failure occurs in the conveyance mechanism including the conveyor and the cash is not conveyed. If this became impossible, cash transactions at the counter would become impossible, leading to confusion at the counter, and there was a fear that the financial institution would lose credibility.

Furthermore, the conveyor must travel back and forth between the relevant counter and the teller's office for each cash payment or deposit transaction at the counter, and therefore, the conveyance speed must be increased to prevent deterioration of service to customers. However, in this case, problems arise in terms of reliability and price as a 7-stem system.

(Means for Solving the Problems) In order to solve the above-mentioned problems, the present invention provides a system of this type, in which the authenticity and denomination of cash are determined at the time of a deposit transaction in a teller deposit/withdrawal machine, and counterfeit banknotes are detected. The system is configured to return cash that is determined to be a genuine note, and to transport cash that is determined to be a genuine note to the teller department using a conveyor.

(Function) According to the present invention, since the teller deposit/withdrawal machine used in this type of system is configured as described above, when the deposited cash is a genuine note, the denomination is determined and the cash is counted. The bank functions to send genuine notes to the teller department, where genuine notes are separated into good notes and unfit notes, and good notes are stored to be reused for payment, while unfit notes are stored without being reused. They work as they should. Therefore, the above-mentioned problem can be eliminated.

(Example) Fig. 1 is a schematic sectional view showing an embodiment of a teller deposit/dispensing machine used in a cash processing system according to the present invention, and Fig. 2 is a cash processing system configured by incorporating the teller deposit/dispensing machine of Fig. 1. FIG. 3 is a perspective view of the system shown in FIG. 2, which is a diagram showing an example of the arrangement of the system.

First, the configuration of the system will be explained using Figures 2 and 3. In Figure 0, 1 is the counter high counter;
Reference numeral 2 designates a counter low counter; 3 designates a teller section having a safe for storing cash; 4a to 4f designates teller deposit and withdrawal machines according to the present invention, which will be described later; and 5a to 5f, cash slots. Here, the teller counter 1 is divided into four sections, each of which is provided with an online teller's machine 6a to 6d and a passbook printer 7a to 7d. You can insert and withdraw cash from 5F. Also, 8
9 is a conveyance path connecting the teller section 3 and the teller deposit/withdrawal machines 4a to 4f;
is a conveyance body that moves within the conveyance path 8.

Next, the structure and operation of the teller deposit/disbursement machine shown in FIG. 1 will be explained with reference to FIG. 2.

As shown in the figure, this teller machine has cash inlet/outlet ports 5 for inserting and withdrawing cash on the teller side and the customer side, respectively. In the figure, reference numeral 101 denotes a discriminating unit that discriminates the authenticity and denomination of cash, and first discriminates the authenticity of the cash inserted from the cash inlet/outlet 5. Then, the bills determined to be counterfeit are returned to the cash input/output port 5 where they were inserted. In addition, cash that has been determined to be a genuine note, in this case a banknote, is transferred to a conveyor conveyor receiving unit (to be described later) after the denomination is determined, and is then stored in the conveyor body via the transfer section 102, and then transferred to the teller section 3 via the conveyance path 9. Sent. At this point, the deposit transaction at the counter will be completed.

In the teller section 3, when the banknotes are conveyed from the teller deposit/withdrawal machine as described above, a discriminating section (not shown) determines whether they are good or bad.
After identifying the front and back and the denomination, the degree of fatigue is checked and the possibility of reuse is determined. Then, banknotes that are too tired to be reused as payment banknotes are stored in a damaged note storage box (not shown). On the other hand, banknotes that have a low fatigue level and can be reused as payment banknotes are stored in respective storage boxes with their front and back sides aligned according to denomination.

Further, storage boxes 103 to 105 are arranged in the teller deposit/withdrawal machine, and store banknotes of 10,000, 5,000, and 1,000 in order, and are discharged when the counter staff performs a withdrawal operation. The staff at this counter operates the online teller's machine 6, etc., and when a withdrawal operation is made, the deposit/withdrawal mechanism 106 is operated by a control section (not shown). This deposit/withdrawal mechanism 106 is
A required number of predetermined banknotes are separated and sent out one by one from each of the storage boxes 103 to 105. The separated and delivered banknotes are discriminated via the discriminating section 101, and the banknotes are counted and checked before being sent to the cash input/output port 5.

During this withdrawal operation, if overlapping bills or the like occur, the bills are stored in the storage box 107 for renoect, and the withdrawal operation is performed in the manner of 0 or more.
When the remaining amount of stored banknotes in 03 to 105 decreases, the corresponding banknotes are transported from the teller section 3 using the conveyor 9 (FIG. 3), and the amount conveyed by the conveyor is transferred to the counter deposit/withdrawal via the transfer section 102. A replenishment operation is performed to store in the corresponding storage boxes 103 to 105 in the aircraft.

The conveyance of cash by the conveyor will be explained below using FIG. FIGS. 4 to 6 are sectional views showing a specific example of the structure of the transfer section 102 and explaining the operation of the transfer unit 102 for the amount of conveyance conveyed by the teller deposit/disbursement machine shown in FIG.

As shown in these diagrams, the transfer unit 102 transfers the conveyance amount between the conveyance path 8 and the counter deposit/withdrawal machine 4. 8 to platform 41
It is composed of a drive wheel 42 for moving the transport body 9, and a link 43 for receiving and passing the transport body 9. Moreover, the conveyance path 8 is
Rails 44 are arranged, and a transport platform 46 equipped with a car 45 is arranged so as to move on the rails 44. In the following, an explanation will be given of the amount of conveyance conveyed by the transfer unit 102 to convey cash from the teller teller machine 4 to the teller unit 3.

First, in FIG. 4, banknotes in the teller deposit/withdrawal machine 4 are conveyed to a conveyor 9 via a belt 47, and banknotes 48 are stored on the conveyor 9. At this time, the banknote 48 is the means 49 a r
It is held by b. Thereafter, the drive wheel 42 is controlled to rotate counterclockwise, and the carrier 9 stores the banknotes 48.
The table 41 on which is placed is moved toward the conveyance path 8 side, and the link 43 whose tip engages the arm 9a of the conveyor 9 and has a rotational fulcrum on the table 41 is rotated counterclockwise. As a result, the carrier 9 is stored in the carrier 46 inside the carrier 9, as shown in FIG.

Now, let's take a closer look at the movement of the carrier 9.
When the carrier moves, the protruding portion 41a pushes the receiving portion 46a of the carrier 46. Therefore, the receiving part 46g rotates clockwise and the lock 46b also rotates, so that the carrier 9 moves to the base 4 as the link 430 rotates.
It is transferred from above to a conveyor table 46 and stored as shown by the solid line in FIG. At this time, the tip of the link 43 moves along the arm 9aKG of the carrier 9, and is in a released state.

After the above state, the drive wheel 42 is rotated clockwise and the platform 4
2 in the direction away from the conveyance path 8 side. As a result, the receiver part 46a is released from the pressure of the protruding part 41m, so that it is rotated counterclockwise by, for example, a spring (not shown) and returns to the initial position. That is, the lock 46b1 locks on the locking portion 9b1 of the carrier 9, and works together with the lock 46b2 that locks on the locking portion 9b2 to securely fix the carrier 9 on the carrier 46. This state is shown in FIG. 6. From then on, the conveyor 9 moves the vehicle 4 on the rail 44 in the conveyance path 8 by the action of a control section (not shown).
5, and the cash, in other words, banknotes 4, is transferred to the teller section 3.
8 can be transported.

The operation of conveying cash to the teller section 3 by the conveyor 9 has been explained above, but in contrast to this, from the teller section 3 to the teller machine 4.
Needless to say, when conveying and replenishing cash to the other side, the operations can be performed in the reverse order to the above-mentioned order.

(Effects of the Invention) As described above in detail, according to the present invention, the teller deposit/withdrawal machine installed at the teller counter determines the authenticity and denomination of cash during deposit transactions, and returns counterfeit bills. Genuine bills are then sent to the teller's office, where they are further checked to see if they are good or defective, front or back, denomination, etc., and genuine bills are reused for payment, and unfit bills are stored, so individual counter deposits and withdrawals are no longer required. The structure of the machine can be simplified, and therefore, it can be expected to be small, inexpensive, and excellent in terms of reliability and maintainability.

Furthermore, since each teller deposit/withdrawal machine stores a certain amount of banknotes for each denomination, there is no need to move the conveyance body each time a payment transaction is made, making it easier to control the conveyance system. Furthermore, even if a failure occurs in the transportation system at 7 Nutem, withdrawal transactions can be continued using the cash stored in each teller deposit/withdrawal machine, thereby reducing confusion at the teller counter.

[Brief explanation of drawings]

FIG. 1 is a sectional view showing an embodiment of the teller teller machine used in the cash processing system according to the present invention, and FIG. 2 is a layout of a cash processing system configured by incorporating the teller teller machine shown in FIG. 1. 3 is a perspective view of the system shown in FIG. 2, and FIGS. 4 to 6 illustrate an example of the configuration of the main parts of the teller deposit/withdrawal machine shown in FIG. 1 and its operation. 3 is a teller section, 4a to 4f are teller machines, 5 is a cash slot, 101 is a discrimination section, 102 is a transfer section, and 103 to 105 are storage boxes. Patent applicant Oki Electric Industry Co., Ltd. Figure 4 Figure 5

Claims (1)

[Claims] The machine is equipped with a plurality of counter teller machines for depositing and withdrawing cash, a teller section having a safe for storing cash, and a conveyor for carrying cash, and connecting the plurality of teller teller machines and the teller section. In a cash processing system that consists of a conveyance path arranged and in which cash deposits and withdrawals are processed between a counter deposit and withdrawal machine and a teller section via a conveyor according to the type of transaction, as the counter deposit and withdrawal, cash is It has multiple storage boxes for storing cash by type, and when depositing cash, the authenticity and denomination of the cash are determined. Cash that is determined to be a counterfeit note is returned, and cash that is determined to be a genuine note is transported via a conveyor. A cash processing system characterized in that it is configured to send money to a teller department.