JPS61169991A - Cash document 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 is installed at a counter of a financial institution such as a bank, and efficiently manages cash, passbooks, certificates, bills, bills, etc. handled at the counter. Regarding the management system for cash documents.

(Prior Art) Several systems have been proposed for counter systems in banking to improve the efficiency of fund management. For example, Utility Model Publication No. 53-42154 or JP-A-59
- As described in Publication No. 55595, inserting cash,
A plurality of teller sections each having a discharge port, a teller section having a safe for storing cash, a conveyance path disposed between the teller section and each teller section, and a conveyor path installed in the conveyance path and for storing cash. It is equipped with a conveyor that is loaded and moved between the teller section and each counter section, and according to the type of transaction, cash is loaded on the conveyor body and transaction cash is transferred between the teller section and the teller section. A cash processing system has been proposed.

(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, the construction required a long period of time and a large amount of capital, making it difficult for small and medium-sized stores to implement the system. Furthermore, if a failure occurs in the transport mechanism and it becomes impossible to transport cash, cash transactions at the counter will become impossible, leading to confusion at the counter and the risk of losing credibility as a financial institution. was there.

Furthermore, at financial institutions, there were many administrative processes that could not be handled by counters alone, such as issuance of bills, new and carryover passbooks, exchange, tax processing, and transfers. In this case, the first-line bank employee must hand over the aforementioned bills, bankbooks, certificates, etc. each time to the so-called second-line bank employee located behind, and in some cases may be responsible for paying and disbursing the bank. This places a large time, physical, and even mental burden on counter staff, such as having to leave their desks because they have to go all the way to the executive office to obtain payment. There was a risk that this would lead to a decline in services, such as slowdowns, and a stagnation of administrative work.

(Means for Solving the Problems) In order to solve the above-mentioned problems, the present invention provides a system of this type, in which a transport path is provided for each of the first line that deals with customers and the second line that supports this from the rear. Furthermore, a first line and a second line were arranged so that the respective conveyance paths merged, and a delivery section was formed at this convergence point to transfer cash, etc. inside the conveyance body reciprocating within the conveyance path. It is something. Furthermore, the first line and the second line are made up of a plurality of component devices arranged adjacent to each other, each forming a transport path.

(Function) According to the present invention, since the cash document processing system is configured as described above, depending on the type of transaction, only the conveyance path formed at the front line or the delivery section at the merging section is used. It works by using the conveyance path formed in the first line and second line. In addition, the conveyance paths formed in the first line and the second line can be obtained by arranging any number of component devices adjacent to each other, so it is possible to expand or contract the system as necessary. .

(Example) FIG. 1 is a layout diagram showing an embodiment of the present invention.

In the figure, 1 is a high counter consisting of teller desks 2a to 2d, and 3 is a teller desk 2e, 2f and a partition desk 2g.
4 is a teller section equipped with a safe for storing cash, and 5a to 5f are teller circulation type cash depositing and dispensing machines of a cash processing machine that perform cash depositing and dispensing operations. Also, 6
a to 6f are cash slots, 28 to 7c and 8a to 8c are online tellers machines and passbook printers respectively placed on the selected teller desk, and the counter staff can use the online teller's machines 7a to 7a as needed. 7c, the bankbook printers 8a to 8c print on the bankbook, and cash can be inserted or removed through the cash slots 6a to 6f. Reference numerals 16a to 16d are document input/output ports.

You can take out the documents you put in.

Further, the teller desks 2h to 2, the online teller's machine 7d, the passbook printer 8d, etc. are devices operated by second-line bank employees who support counter operations.

FIG. 2 is a perspective view illustrating the conveyance path in the system shown in FIG. Tona 9 is a first conveyance path for conveying a first conveyance body 10, which will be described later. Reference numeral 11 denotes a second transport path that connects the first-line counter and second-line employees and executive offices, such as teller desks 2h to 2j, and transports a second transport body 12, which will be described later. Also, 13
is a delivery section, which is arranged at the confluence of the first and second conveyance paths 9°1, and transfers cash and documents conveyed by the conveyance body lO in the conveyance path 9 to the conveyance path 11. The cash and documents delivered to the conveyor 12 are transferred to the conveyor 12, and the cash and documents transferred from the conveyor 12 are transferred to the conveyor 1.
It functions to transfer the data to 0. Further, each of the conveyance bodies 10.12 stores cash and documents therein, and reciprocates within the conveyance path 9.11.

Deposit and withdrawal operations using the teller circulating Bushin dispensing machine will be explained below.

FIG. 3 is a schematic cross-sectional view showing an example of a teller circulation warrior dispensing machine that constitutes the main part of the cash document management system of the present invention, and as shown in the figure, there is a cash inlet/outlet for taking out and putting in cash. 6 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 are false. Those determined to be tickets are returned to the cash slot 6 where they were inserted. For banknotes that are determined to be genuine and stored, their fatigue level is then checked to determine whether they can be reused. Then, banknotes that are too fatigued to be reused as payment banknotes are stored in a conveyor via the transfer unit 106, which will be described later, 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 fatigue level and can be reused as payment banknotes, after the denomination is determined, the banknotes are stored in the 10,000-note storage box 102 or the 5,000-note storage box 103 according to the denomination.
, are stored in the thousand ticket storage box 104. At this time, each storage box 10
The money is stored in 05 of 2, 103, and 104 (if either one is full, the deposit storage box).

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 7 (FIG. 1) or the like by a bank employee. This deposit/withdrawal mechanism 107 deposits and withdraws cash from each of the storage boxes θ2 to 105 and 109 as needed. In this case, it separates and sends out the required number of predetermined banknotes one by one from each of the storage boxes 102 to 104. Then, through the discriminating unit 101, a discrimination process is performed, for example, by discriminating front and back, and the front/back reversing unit 10B arranges all the bills to be withdrawn face up and performs a count check.
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 counter circulation warrior dispensing machine 5, there is a storage box 1 for each banknote.
When the remaining banknotes I to be stored among 02 to 104 become low, it is detected by, for example, a means not shown, and the bank staff is notified of this, and thereafter, the system is automatically operated by the bank staff or automatically in the teller section 4 (Fig. 1). Transporter 10 carries banknotes for replenishment.
The banknotes are transported using a transfer unit and stored in storage boxes 102 to 104 for each banknote via a delivery section which will be described later.

The conveyance of cash certificates by the conveyor will be explained below with reference to the drawings. 4 to 6 are cross-sectional views showing the specific structure of the transfer section 106 and explaining its operation. As shown in these diagrams, the conveyance amount of the conveyance body is determined by the transfer unit 106, the conveyance body 1o which is transferred between the conveyance path 9 and the teller circulation warrior dispensing machine 5, the table 4no on which the conveyance body 10 is placed, and the transfer unit 106. It is composed of a drive vehicle 42 for moving the platform 41 to the road 9, and a link 43 for transferring the carrier 10. Further, the conveyance path 9 is provided with a rail 44, and the rail 44
A transport platform 46 equipped with a vehicle 45 is disposed so as to move thereon. As an example, the amount of conveyance conveyed by the transfer unit 106 will be described below, and the operation of conveying cash from the circulation type cash dispensing machine 5 to the teller unit 4 will be described.

First, in FIG. 4, when cash is inserted into the cash input/output port 6 of the teller circulation warrior dispensing machine 5, the cash, so-called banknotes, is conveyed to the conveying body 10 via the belt 47. Banknotes 48 are stored in the banknotes 48.

At this time, the banknote 48 is held between the means 49a and 49b. After that, rotation control is applied to the drive wheel 42 in the counterclockwise direction, and the table 41 on which the carrier 10 stored in the banknote 48 is placed.
At the same time, the link 4 whose tip engages the arm lOa of the transport body 10 and has a rotational fulcrum on the table 41 moves toward the transport path 9 side.
Rotate 3 counterclockwise. As a result, the carrier 10 is stored on the carrier 46 within the carrier 9 as shown in FIG.

Now, let's take a closer look at the movement of the carrier lO. stand 4
1 moves, its protruding portion 41a pushes the receiving portion 46a of the conveyance table 46. Therefore, the receiving part 46a rotates clockwise and the lock 46bI also rotates, so that the carrier 10 is moved to the base 4 as the link 43 rotates.
It is transferred from above to the 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 10a of the carrier 10 and is in a released state.

After the above state, the drive wheel 42 is rotated clockwise and the platform 4
9 in the direction away from the conveyance path 9 side. As a result, the receiving portion 46a is released from the oppression 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 1obt of the transport body 10, and works together with the lock 46b2 that locks on the locking portion 10b2 to securely fix the transport body 10 on the transport table 46. This state is shown in FIG. 6. From then on, the conveyor 10 moves on the rail 44 in the conveyance path 9 via the car 45 by the action of a control section (not shown), and transfers cash to the teller section 4. Then, the banknotes 48 can be transported.

The operation of conveying cash to the teller section 4 by the conveyor lO has been explained above, but in contrast, when cash is conveyed and replenished from the teller section 4 to the teller circulation warrior dispensing machine 5 side, the above-mentioned order is used. It goes without saying that this can be done by performing the opposite operation.

Also, in the above explanation, the cash transfer operation related to the counter circulation warrior dispensing machine 5 was explained, but in the case of documents, documents such as bankbooks and bills are inserted into the document input/output port 16 shown in FIG. By doing so, the conveyance operation is performed. To be more specific, in FIG. 2, when a certificate, for example, is inputted from the document input/output port 16b, the certificate is stored in the conveyance body lO as already explained in FIGS.
Transfer section 1, which is the confluence point with conveyance path 1
Stop at 3. At the same time, the delivery section 13 controls the delivery of the certificate conveyed by the conveyance body 10 to the conveyance body 12 that has moved. Under this control, the conveyance body 12 that receives and stores the certificate moves along the conveyance path 1 and transports it to the document input/output port 16e where the second line clerk or cashier is located. Then, the necessary measures are taken by the cashier, etc., and the certificate, or other slips or instruction documents replacing it, are transported in the reverse order of the transport operation described above, and passed through the document input/output port 16b to the counter in charge. It is sent to bank employees.

(Effects of the Invention) As described in detail above, according to the present invention, a teller section for centrally managing cash is arranged, a cash processing machine constituting a teller counter is a circulation-type depositing and dispensing machine, and a route is By providing a delivery section that connects different transport paths, the system can be configured freely depending on the size of the store.

Therefore, bank employees no longer need to carry around cash, bankbooks, certificates, etc., which reduces the time, physical, and mental burden on bank employees, and also reduces customer waiting time.

In addition, even if a system failure occurs, for example, if a conveyor that conveys cash on the conveyance path fails and cash cannot be conveyed, the cash processing machine at the counter will be a circulating deposit/withdrawal machine. Because of this structure, cash transactions can continue and confusion at the counter can be kept to a minimum.

Furthermore, since the cash processing machine is a circulation type, there is no need to move the conveyor every time a cash transaction is made, and therefore, the service to customers does not deteriorate even if the processing speed is not increased, making it safe and low-cost. Can be configured by price.

Furthermore, by accommodating the cash stored in each cash processing machine and accommodating it to each other via the conveyor, the amount of cash stored in the entire system can be minimized, increasing financial efficiency as a financial institution. The system can be expected to have significant effects, such as improved performance.

[Brief explanation of drawings]

Fig. 1 is a layout diagram showing an embodiment of the cash document management system according to the present invention, Fig. 2 is a perspective view illustrating the conveyance path in Fig. 1, and Fig. 3 is a diagram of the counter circulating Bushin dispensing machine. 4 to 6 are sectional views showing a specific example of the transfer portion of the conveying body shown in FIG. 3, and are sectional views for explaining the operation thereof. 1 is the high counter at the counter, 2a to 2g, 2h to 2 are the teller desk, 3 is the low counter at the counter, 4 is the teller section, 5a to 5
f is counter circulation warrior withdrawal machine, 6a to 6f are cash input/output ports, 7a to 7d are online tellers machines, 8a to 8d
is a passbook printer, 9 transport paths, 10 is a transport body, 1 Oad
Arm, 10b+, 10b2 is a locking part, 13Jd transfer part, 41 is a stand, 42 is a driving wheel, 43 is a link, 4
4 is a rail, 45 is a car, 461d is a transport platform, 46a is a receiving part, 46 bl, 46 b2 is a lock, 101 is a discrimination part, 102 to 105 and 109 are storage boxes, 106 is a transfer part for conveyance amount, 107 108 is a deposit/withdrawal mechanism, and 108 is a front/back reversal unit. Patent applicant Oki Electric Industry Co., Ltd. Figure 4 Figure 5

Claims (2)

[Claims] (1) A system that constitutes a front-line counter and a first transport path having a first transport body, and a system that includes a first-line counter and a handler located on the second line behind the first-line counter. It consists of a system forming a second conveyance path having a tied second conveyance body, and a delivery section that connects the systems and is disposed at the confluence of the first and second conveyance paths. What is claimed is: 1. A cash document processing system characterized in that the cash and documents transported by the first or second transport body are delivered to and received from the second or first transport body with a delivery section interposed therebetween. (2) As a front-line counter, a counter cash processing machine that deposits and withdraws cash and reuses deposited banknotes as disbursed banknotes, and a teller desk that performs teller operations are arranged adjacently. Claim No.
Cash document processing system described in 1).