JPS61169988A - Window teller machine - 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 teller teller machine that is installed in a financial institution such as a bank and constitutes a system for processing cash in bulk.

(Prior Art) Several systems for counters in banking have been proposed to improve the efficiency of fund management. For example, as described in Japanese Unexamined Patent Publication No. 59-55595, there is a plurality of teller sections equipped with cash input and outlet ports, a teller section equipped with a safe for storing cash, and a teller section and each teller section. It is equipped with a conveyance path installed between them, and a conveyance body installed on the conveyance path and loaded with cash and moved between the teller department and each counter. A cash processing system has been proposed in which transaction cash is transferred between a teller section and a teller section by loading cash onto the counter.

(Problem to be Solved by the Invention) However, in the system configuration as described above, when installed in a financial institution such as a bank, the teller section, the counter section forming the counter, the conveyance path, and the conveyance body must be installed all at once. Therefore, there were problems such as the long construction period and the need for a large amount of capital, making it difficult for small and medium-sized stores to introduce the method.

In addition, if a failure occurs in the transport mechanism including the transporter and it becomes impossible to transport cash, cash transactions at the counter will become impossible, leading to confusion at the counter and, ultimately, the credibility of the financial institution. There was a fear of losing. 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 cost.

(Means for Solving the Problems) In order to solve the above-mentioned problems, the present invention provides a means for storing cash, etc. and transporting it to a predetermined position in a deposit/withdrawal machine installed at a counter of a financial institution such as a bank. In this configuration, a conveyance path in which the conveyor body is disposed, and a transfer section for exchanging cash between the conveyor body and the conveyor body are formed and installed.

(Function) According to the present invention, since the teller deposit/withdrawal machine is configured as described above, when cash is deposited, the teller deposit/withdrawal machine performs various kinds of discrimination such as authenticity, denomination, etc., and then replays the money. Items that can be used are stored in storage boxes for each denomination, items that cannot be reused are stored in a transporter, and the transporter is moved from the cash deposit/disbursement machine side to a table on the transport path side via the delivery section. Thereafter, the platform carrying the carrier is moved along the carrier path, transported to the storage section, and stored. Therefore, the above-mentioned problem can be eliminated.

(Embodiment) Fig. 1 is a schematic sectional view showing an embodiment of the teller teller machine according to the present invention, and Fig. 2 is an example of the arrangement of a cash bulk processing system configured by incorporating the teller teller machine of Fig. 1. Figure 3 showing
The figure is a perspective view of the system shown in FIG.

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 teller machines related to the present invention and will be described later, and 5a to 5f are cash slots. here,
The counter/counter 1 is divided into four sections, each of which is equipped with an online teller's machine 6a to 6d and a passbook ring 7a to 7d, and the counter staff can input cash from the cash slots 5a to 5f by operating these machines. It is possible to put in and take out. or,
8 is a conveyance path connecting the teller section 3 and the teller deposit/withdrawal machines 4a to 4f;
9 is a transport body that moves within the transport path 8.

Next, the structure of the teller depositing and dispensing machine according to the present invention 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 discrimination unit 101 discriminates whether it is genuine or false, denomination, fitness, front or back, etc., and as a result,
The bills determined to be genuine are stored, but the bills determined to be counterfeit are returned to the cash slot 5 where they were inserted.

Regarding banknotes that have been determined to be genuine and stored,
The degree of fatigue will be checked to determine the possibility of reuse. Then, banknotes that are too fatigued to be reused as payment banknotes are stored in a conveyor (to be described later) via the transfer unit 102, and sent to the teller unit 3, where they are sent to a damaged note storage box (not shown). It will be accommodated in

In addition, for banknotes that have a low degree of fatigue and can be reused as payment banknotes, after the denomination is determined, the banknotes are stored in a 10,000-note storage box 103, a 5,000-note storage box 104, and a 1,000-note storage box 105 according to the denomination.
be accommodated in. At this time, each storage box 103, 104, 10
If either of 5 is full, deposit storage box 10
It is stored in 6.

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) or the like by a bank employee. This deposit/withdrawal mechanism 107 separates and sends out the required number of predetermined bills one by one from each storage box 103, passes through a discriminating unit 101, performs a discriminating process, for example, distinguishes between front and back, and a reversing unit 108 turns all the bills to be withdrawn face up. After sorting and checking the count, the cash is sent to the cash input/output port 5. As described above, in the case where there is overlapping of banknotes during the withdrawal operation, the banknotes will be stored in the renoect storage box 109.

In the counter deposit/withdrawal machine, each banknote storage box 103-1
When the remaining amount of banknotes to be stored in 05 is low, it is detected by means not shown, for example, and the bank staff is notified of this, and then the banknotes are stored either by the bank staff's operation or automatically from the teller section 3 (Fig. 1). Replenishment banknotes are conveyed using a conveyor 9, and each banknote is stored in a storage box 1 via a delivery section to be described later.
Stored in 03-105.

The conveyance of cash by the conveyor will be described 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 diagrams, the transfer unit 102 includes a transfer unit 102, a transfer unit 9 that is transferred between the transfer path 8 and the teller deposit/withdrawal machine 4, a table 41 on which the transfer unit 9 is placed, and a transfer unit 102 for transferring the transfer unit 8. Hedai 41
It is composed of a driving wheel 42 for moving the transport body 9, and a link 43 for transferring 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. 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 banknote 48 is held between the means 49a and 49b. Thereafter, the driving wheel 42 is controlled to rotate counterclockwise to move the table 41 on which the carrier 9 containing banknotes 48 is placed toward the carrier path 8 side, and the tip thereof is attached to the arm 9a of the carrier 9. The link 43 having its rotational fulcrum on the engagement 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 table 41 moves, its protruding portion 41a pushes the receiving portion 46a of the transport table 46. Therefore, the receiving part 4
6m rotates clockwise and lock 46bl
Since the link 430 also rotates, the carrier 9 is transferred from the platform 41 to the carrier 46 as the link 430 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
2 in the direction away from the conveyance path 8 side. As a result, the receiving portion 46g is released from the pressure of the protruding portion 41a, so that it is rotated counterclockwise by, for example, a spring (not shown) and returned to the initial position. That is, the lock 46b1 locks on the locking portion 9bl of the transport body 9, and works together with the lock 46b2 that locks on the locking portion 9b2 to move the transport body 9 onto the transport platform 4.
It will be firmly fixed on top of 6. This state is shown in FIG. 6. From then on, the conveyance body 9 moves on the rail 44 in the conveyance path 8 via the car 45 by the action of a control section (not shown), and cash and cash are transferred to the teller section 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 to this, from the teller section 3 to the teller machine 4.
Needless to say, when transporting and replenishing cash to the other side, the operations can be performed in the reverse order to the above-mentioned order.

Note that the present invention is not limited to the embodiments described above, and for example, the configuration of the delivery section of the conveyance body may be any structure as long as it can reliably transfer cash, and the conveyance path may be of a near motor type, It goes without saying that various structures such as a belt conveyor system or a wire drive system can be used.

(Effects of the Invention) As explained in detail above, according to the present invention, the cash processing machine installed at the teller counter is a circulation-type depositing and dispensing machine, and furthermore, it is provided with a conveyance path and a delivery section. Depending on the scale, the teller counter can be arranged with one or more deposit/disburse machines and, if necessary, a teller section, allowing for a flexible system configuration.

In addition, since the teller deposit/withdrawal machine is configured to store and store a small amount of cash, the conveyor does not need to be moved every time a transaction is made, making it superior in terms of reliability, maintenance, and price. . Furthermore, even if a failure occurs in the transport mechanism including the transport body, cash transactions can be continued using stored cash, thereby minimizing confusion at the counter. Moreover,
By mutually exchanging cash from each teller deposit/withdrawal machine using a carrier and accommodating each other, the amount of cash prepared at the teller side can be minimized, and an improvement in capital efficiency can be expected.

Furthermore, the teller deposit/withdrawal machine is equipped with a part of the conveyance path for conveying the carrier and a bill transfer section for transferring banknotes between the conveyor and the teller deposit/withdrawal device, making it easier to repair the machine. During periodic inspections, the teller deposit/withdrawal machines can be easily pulled out individually from inside the counter, improving maintainability.

Further, as an embodiment of the present invention, the teller deposit/withdrawal machine has been described as a banknote processing machine, but it may also be used as a coin processing machine that handles coins, and in this case, it is possible to centralize cash management and improve capital efficiency. Many excellent effects can be expected, such as being able to measure

[Brief explanation of the drawing]

FIG. 1 is a sectional view showing an embodiment of the teller teller machine according to the present invention, and FIG. 2 is a diagram showing an example of the arrangement of a cash processing system incorporating the teller teller teller machine shown in FIG. 1. FIG. 3 is a perspective view of the system shown in FIG. 2, and FIGS. 4 to 6 are diagrams explaining 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 deposit and withdrawal machines, 5a to 5f are cash input/output ports, 101 is a discriminating section, 102 is a transfer section for conveyance costs, 103 to 105.106° 109 is a storage box, 107 10g is a deposit/withdrawal mechanism, and a front/back reversal unit. Patent applicant Oki Electric Industry Co., Ltd. Figure 4 Figure 5

Claims (1)

[Claims] An input/output port for inputting or receiving cash;
A teller deposit/withdrawal machine comprising a discriminator for making various judgments necessary for deposit/withdrawal processing, a plurality of storage boxes provided for each denomination, and a deposit/withdrawal section for depositing and withdrawing cash from the storage boxes. A teller deposit/withdrawal machine characterized by forming a conveyance path in which a conveyor for storing and conveying cash is arranged, and a transfer section for transferring cash between the conveyor and the conveyor.