JPS61169987A - 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 that is installed in a financial institution such as a bank and processes cash in bulk, and particularly to a teller teller 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 system reliability and price.

(Means for Solving the Problems) In order to solve the above-mentioned problems, the present invention provides a system of this type that determines the authenticity, denomination, and fitness of cash at the time of deposit transactions for teller deposit and withdrawal machines. ℃・Cash that is determined to be a counterfeit note is returned, and cash that is determined to be a genuine note is transported to the teller section via a built-in storage box and a conveyance path depending on the degree of fatigue, and is stored separately. It is.

(Function) According to the present invention, the teller deposit/withdrawal machine used in this type of system is constructed as described above, so that when the deposited cash is a genuine note, its degree of fatigue is checked and the machine can be reused. The banknotes that cannot be reused are stored in storage boxes according to their denominations, and those that cannot be reused are transported to the teller section using a conveyor, which then stores the unfit notes all at once. 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 FIGS. 2 and 3. In both figures, 1 is the high counter at the counter;
Reference numeral 2 is a counter low counter, 3 is a teller section having a safe for storing cash, 4a to 4f are teller deposit/withdrawal machines related to the present invention and will be described later, and 51L to 5f are cash slots. Here, the window counter 1 is divided into four parts,
Online tellers machines 6a to 6d and bankbook printers 7a to 7d are provided in each bank, and the counter staff can insert and withdraw cash from the cash slots 5a to 5f by operating these machines. Further, 8 is a conveyance path connecting the teller section 3 and the teller deposit/withdrawal machines 4a to 4f, and 9 is a conveyance body that moves within the conveyance path 8.

Next, the structure of the teller depositing and dispensing machine will be explained using FIG. 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. When cash is inserted, a discriminating unit 101 discriminates the authenticity, denomination, fitness, front and back, etc. of the cash, and as a result, those that are determined to be genuine are stored, but the Those determined to be tickets are returned to the cash slot 5 where they were inserted. For banknotes that are determined to be genuine and stored, their fatigue level is then checked and the possibility of reuse is determined. Banknotes that are so fatigued that they are unsuitable for reuse as payment banknotes are transferred to the transfer unit 10, which will be described later.
2, the paper is stored in a conveyor, sent to the teller section 3, and stored in a damaged note storage box (not shown). In addition, banknotes that have a low degree of fatigue and can be reused as payment banknotes (・
After determining the denomination, the 10,000-ticket storage box 10 is placed according to the denomination.
3. It is stored in the 5,000 floating storage box 104 and the 1,000 ticket storage box 105. At this time, if either of the storage boxes 103, 104, 105 is full, the money is stored in the deposit storage box 106.

Regarding the withdrawal operation, the deposit/withdrawal mechanism 107 operates according to instructions from a control section (not shown) in response to the operation of the online teller's machine 6 (FIG. 1) etc. by bank employees. and 106, as needed. In this case, a required number of predetermined banknotes are separated and sent out one by one from each storage box 103 to 106, and then subjected to a discrimination process, e.g., via a discrimination unit 101. The front/back reversing unit 10B aligns all the banknotes to be withdrawn face up by front/back discrimination, performs a counting check, and then
Send to. During the above-described series of withdrawal operations, if bills are fed in duplicate or the like, they will be stored in the renoect storage box 109.

In the above-mentioned teller deposit/withdrawal machine, each banknote storage box 103~
If the remaining amount of banknotes to be stored among the 105 is low,
For example, it is detected by a means not shown, and the bank staff is notified of the detection, and then, either by the staff's operation or automatically, replenishment banknotes are transported from the teller section 3 (Fig. 1) using the conveyor 9, as will be described later. The receiver passes each banknote into the storage box 1 through the transfer section.
Stored in 03-105.

The conveyance of cash by the conveyor will be explained below with reference to the drawings. FIGS. 4 to 6 are sectional views showing a specific example of the structure of the transfer section 102 of the conveying body in the teller deposit/dispensing machine shown in FIG. 1, and explaining its operation. As shown in these figures, the conveyor transport bone transfer section 102 is
A carrier 9 that is passed between the carrier path 8 and the teller deposit/withdrawal machine 4, a platform 41 on which the carrier 9 is placed, a drive vehicle 42 for moving the platform 41 to the carrier path 8, and a carrier 9. The receiver is made up of links 43 for passing. Further, the transport path 8 is provided with rails 44, and the vehicles 4 are arranged so as to move on the rails 44.
A conveyor table 46 with 5 is disposed. Hereinafter, an explanation will be given of the operation of the conveyor conveying frame to convey cash from the teller deposit/withdrawal machine 4 to the teller section 3 by the function of the transfer section 102.

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 banknotes 48 are the means 49a, 49
Thereafter, the drive wheel 42 is controlled to rotate counterclockwise to move the table 41 on which the carrier 9 containing the banknotes 48 is placed toward the carrier path 8, and
The tip of the link 43 engages with the arm 9IL of the carrier 9 and rotates the link 43 having its rotational fulcrum on the table 41 in the counterclockwise direction. 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 table 41 moves, its protruding portion 41a pushes the receiving portion 46m of the transfer table 46. Therefore, the receiver is part 4
6g rotates clockwise, and at the same time lock 46b1
Since the link 43 also rotates, the carrier 9 is transferred from the platform 41 to the carrier 46 as the link 43 rotates, and is stored as shown by the solid line in FIG. At this time, the tip of the link 43 moves along the arm 9a 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
1 in a direction away from the conveyance path 8 side. As a result, the receiver part 46th 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. In other words, the lock 46b□ locks on the locking portion 9b□ of the carrier 9, and the lock 46b□ works together with the lock 46b2 that locks on the locking portion 9b to securely fix the carrier 9 on the carrier 46. Become. This state is shown in FIG. 6. From then on, the transport body 9 moves on the rail 44 in the transport path 8 by the vehicle 45 by the action of a control section (not shown).
Move through and cash to teller department 3.

In other words, the banknotes 48 can be transported.

The operation of conveying cash to the teller section 3 by the conveyor 9 has been explained above, but in contrast, when cash is conveyed from the teller section 3 to the teller deposit/dispensing machine 4 side and replenished, the above-mentioned order is used. It goes without saying that this can be done by the opposite operation.

(Effects of the Invention) As described in detail above, according to the present invention, the teller deposit/withdrawal machine installed at the teller counter performs various types of cash discrimination during deposit transactions, immediately returns counterfeit notes, and immediately returns genuine notes. We check the degree of fatigue of cash that has been determined to be ``fatigued'', and if it is highly fatigued, it is sent to the teller department using a conveyor and stored, and if the degree of fatigue is small and can be reused for payment, it is sorted by denomination. Since the banknotes are stored and used as cash for the next withdrawal, unfit notes will not remain in each teller deposit/withdrawal machine, improving the efficiency of fund management.

Furthermore, since each cash deposit/withdrawal machine stores cash by denomination, there is no need to move the conveyor every time a payment transaction is made, so the conveyance speed can be kept at a low speed, making the conveyance system easier to control and more reliable. improves. In addition, even if some kind of failure occurs in the transportation system of the entire system, making it difficult to operate the conveyor, each counter deposit/withdrawal machine stores cash, so withdrawal transactions at the counter can continue, reducing confusion. Effects such as being able to do this can be obtained.

[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. FIG. 3 is a teller section, 4a to 4f are teller machines, 5 is a cash input/output port, 101 is a discrimination section, 102 is a transfer section for the amount of conveyance conveyed, 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, the cash processing system is comprised of a conveyance path arranged and in which cash deposits and withdrawals are made between a counter deposit and withdrawal section and a teller section via a conveyor according to the type of transaction. At the very least, determining the authenticity of cash, determining the denomination,
After checking whether the paper is good or not, cash that is determined to be counterfeit is returned, and cash that is determined to be genuine is checked for its fatigue level, and cash that is so fatigued that it cannot be reused for payment is transported via a conveyor. A cash processing system characterized by being configured such that cash is transported to a teller section and stored, and reusable items are stored in respective storage boxes arranged by denomination.