JPS61220086A - Teller machine for package 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 teller deposit and withdrawal machine in a cash bulk processing system for financial services such as banks and securities companies.

[Conventional technology]

In order to improve fund management efficiency, a counter system in financial operations is installed between multiple counter sections equipped with cash input/output ports, a teller section equipped with a safe for storing cash, and each counter section. It is equipped with a conveyance path and a conveyance body installed on the conveyance path and loaded with cash and moved between the teller section and each counter section, and according to the type of transaction, cash is transferred to the conveyance body. For example, a cash system that transfers and receives transaction cash between a teller section and a teller section by loading and unloading cash is disclosed in Japanese Patent Laid-Open No. 59-5.
It has been proposed in No. 5595, etc.

[Problem that the invention seeks to solve]

In the above-described cash processing system, each teller operates as a teller deposit/withdrawal machine during work when dealing with customers, but after the work is finished, the teller teller deposit/withdrawal machine can be operated as an automatic teller machine. Since this automatic teller machine does not have a teller staff, it is required to have the same discrimination performance and reliability as the original automatic teller machine.

When transporting banknotes, they become dirty, folded, or damaged as they are used for a long time, and when these banknotes are processed by a banknote processing machine, they are more likely to jam in the transport path. .

Therefore, the standard for distinguishing defaced or damaged banknotes and the standard for determining authenticity is called a reference, and depending on how this reference value is set, it is determined whether the banknote is normal or defaced. are doing.

In general, financial institutions set the above-mentioned reference on their banknote processing machines so that as much as possible, genuine banknotes brought by customers are accepted and deposited. There is a problem in that it is difficult to take banknotes into the banknote processing machine, and the rate of occurrence of banknote jams increases accordingly. Especially in automatic teller machines without tellers, jammed banknotes mean a suspension of operations, and it is a big problem, so it is hoped that this will be suppressed as much as possible.

[Means for solving problems]

A cash input/output port for inserting and removing cash, a separating section for separating the inserted banknotes, a detection section for detecting banknotes by intermittent light beams, magnetic means, etc., and processing the output from this detection section. A discrimination unit that compares the output from the detection unit with a reference in the control unit to determine the authenticity, defacement, and damage of banknotes; a storage box that stores banknotes by denomination; a cash slot and separation unit; In a teller deposit/withdrawal machine that is composed of multiple transport paths connecting the discrimination section and storage boxes for each denomination, and gates that sort each denomination, etc., the reference of the discrimination section can be set to two levels and the reference can be switched. It is characterized by the following.

[Effect]

The two-stage reference of the verification department is used as a teller deposit/withdrawal machine with high efficiency for deposits and withdrawals during business hours, and after work is completed, automatic machines are installed to reduce jamming of banknotes and prevent deposits of counterfeit bills. It can be used as a deposit/withdrawal machine.

〔Example〕

An embodiment of the present invention will be described below with reference to the drawings. 1st
The figure shows the counters of financial institutions, where 1 is the counter high counter and 2 is the counter of the counter.
3 is a teller counter, 4a to 4f are teller deposit and withdrawal machines, and 5a to 5f are cash slots. In this embodiment, the high counter 1 is divided into four sections, each of which is equipped with an online teller's machine 6a to 6d and a passbook printer 7a to 7d, and the counter staff can input cash through cash input/output ports 5a to 5f. It is possible to take out and put in.

Figure 2 is a schematic diagram of the teller counter, teller deposit/withdrawal machine 4a.
-4f and the conveyance path 8 and conveyance body 9 that connect the storage section 3 are shown.

Figure 3 is a schematic diagram of the teller deposit/withdrawal machine, which allows you to take out cash,
Cash input and withdrawal ports 10 and 11 for inputting cash are provided on the teller side and the customer side, respectively.

Reference numeral 12 denotes a discrimination section that performs authenticity discrimination, denomination discrimination, fair/damage discrimination, and front/back discrimination of cash.Banknotes that are discriminated as counterfeit notes based on the authenticity discrimination results of this discrimination section 12 are placed on the side where the cash was inserted. The money is returned to the cash input/output port 10 or 11.

Reference numeral 13 denotes a conveyance conveyance/delivery unit, which is composed of a conveyance path 8 that connects the teller section 3 and the teller machine 4, and a conveyance unit 14 that delivers the conveyance body 9 between the conveyance path 8 and the teller deposit/withdrawal machine 4. be done.

Among the banknotes that have been identified as genuine banknotes, banknotes that are so fatigued that they cannot be reused as payment banknotes are transferred to the conveyor 9 at the delivery section 14.
It is stored inside and sent to the accounting section 3. The unfit notes sent to the teller section 3 are stored in an unfit note storage box.

Banknotes that have been identified as genuine notes and can be reused as payment notes are aligned with their front and back sides in a front-back reversing unit 15, and are stored in a 10,000-note storage box 16, a 5,000-note storage box 17, and a 1,000-note storage box 18 according to denomination. Ru. Moreover, when any one of the banknote storage boxes 16, 17, and 18 is full, the banknotes are stored in the deposit storage box 19.

When withdrawing money, the bills are separated one by one from each bill storage box 16, 17, 18 through the cash withdrawal section 20, and sent to the discrimination section 12.
A calculation check is performed on the withdrawn banknotes, and the banknotes are sent to the cash input/output port 10 or 11. When two bills are sent during withdrawal, they are stored in the banknote storage box 21.

In addition, each banknote storage box 16゜17.1
The banknotes may be collected from the banknote storage boxes 16, 17 and 18 into the deposit storage box 19 after the banknotes are replenished in the banknotes 8.

When the remaining amount of banknotes in each banknote storage box 16.17.18 is low, the banknote is conveyed from the teller section 3 and the replenishment banknote is stored in each banknote storage box 16.17.18 by the delivery section 14. do.

The teller deposit/withdrawal machine 4 is configured as described above, and a two-stage reference is set in the discrimination section 12. The switching of references during and after work will be explained below.

The reference of the discrimination section 12 consists of the following discrimination functions.

(a), Identification of photo patterns using transmitted light (b)
2 Identification of photo patterns using reflected light (C), identification of magnetic patterns using magnetic heads (d), detection of double feed using transmitted light (e), double feed system using mechanical means and detection thickness Detection (f), Discrimination of banknote length using signals caused by intermittent light beams (0), Detection of proximity feed (abnormal approach of sequentially fed banknotes) using signals caused by intermittent light beams (h), Light beams Detection of diagonal feeding using signals caused by intermittent signals (i), Identification of defaced notes using transmitted light (j) 2. Identification of defaced notes using reflected light (a)
(b), (c), (D), and (j) are means for determining the authenticity and fitness of deposited banknotes, and this verification standard serves as a reference.

In the following (a), identification of photo patterns using transmitted light will be explained.

FIG. 4 shows a working reference (denoted as Re f ). The vertical axis shows the output voltage V of transmitted light, and the horizontal axis shows the banknote lateral position. The median value of the output voltage of transmitted light is shown by the dashed-dotted line, and the shaded area is the tolerance range reference (
Ref).

FIG. 5 shows a reference (denoted as ref) after the work is completed. It is similar to FIG. 4, but the shaded area is the tolerance range reference (ref) for variations.

Since it is currently set as Ref) ref, the number of banknotes accepted for deposit after the end of business will decrease, and the number of banknotes rejected for deposit will increase.

The present invention has been described only with respect to (a), but similarly (b).

By also performing (c) t (i) + (j), it is possible to increase the rate of rejecting loss deposits when operating as an automatic deposit/dispensing machine after business ends.

In addition, when a teller deposit/withdrawal machine is used as an automatic deposit/withdrawal machine after business at a bank counter as shown in FIG. 1, a shutter or the like must be provided to prevent customers from entering the inside of the counter.

〔Effect of the invention〕

According to the present invention described in detail above, the reference of the discrimination section can be switched between two stages, and when a counter clerk is on duty, banknote jams can be cleared immediately, so that the counter deposit/dispenser can be used as a reference for efficient deposit/withdrawal. The machine can be used as an automatic deposit/withdrawal machine by switching to a reference to prevent banknote jams and counterfeit banknotes from being deposited after the work is completed, allowing the counter deposit/withdrawal machine to be used as an automatic deposit/withdrawal machine. This makes it possible to reduce the number of automated teller machines to be installed.

[Brief explanation of drawings]

Fig. 1 is a schematic diagram showing a counter of a financial institution, Fig. 2 is a schematic diagram showing the same counter of a financial institution as Fig. 1, Fig. 3 is a sectional view showing an embodiment of a teller deposit/withdrawal machine, and Fig. 4 is a schematic diagram showing a counter of a financial institution. The figure is a graph of a photo pattern identification reference using transmitted light in the identification section during work, and FIG. 5 is a graph of the photo pattern identification reference using transmitted light in the identification section after work. 3...Treasurer section 4a-4f...Counter deposit/withdrawal machine 8.
...Conveyance path 9...Transportation body 10.11...Cash inlet/outlet 12...Identification section 14-...Delivery section 16
, 17゜18...Banknote storage box Patent applicant Oki Electric Industry Co., Ltd. Agent Patent attorney Takashi Kanakura Nikan 4 = Banknote horizontal direction - Noodle S -

Claims (1)

[Scope of Claims] 1. A cash input/output port for inserting and removing cash; a separating section for separating inserted banknotes; a detection section for detecting banknotes by intermittent light beams, magnetic means, etc.; A control unit that processes the output from the detection unit compares the output from the detection unit with a reference to determine whether the banknote is genuine or false, defaced, or damaged; and a storage box that stores banknotes by denomination. In the teller cash deposit/withdrawal machine, which is composed of the above-mentioned cash input/output port, separation section, discrimination section, conveyance path connecting the denomination-specific storage boxes, and gates that sort each denomination, etc., the discrimination section has two references. A teller deposit/withdrawal machine in a cash bulk processing system, characterized in that the cash processing system is divided into stages and the reference can be switched.