JPS6386095A - Incoming transactor - Google Patents

Abstract

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

Description

[Detailed Description of the Invention] [Object of the Invention] (Industrial Application Field) The present invention relates to a deposit transaction device, and is particularly used in deposit transactions such as public money payments in financial institutions such as banks. .

(Prior Art) Recently, it has become increasingly common for public funds such as electricity charges, gas charges, and telephone charges to be deposited and paid at financial institutions such as banks.

To deal with this, some banks have set up dedicated counters, and banks that do not have dedicated counters use regular deposit counters to process public money deposits.

(Problem to be solved by the invention) Due to the nature of such public money deposits, they are small amounts and cannot be treated as large deposits, so it is important to set up a dedicated counter and assign a person in charge of it. It is not a good idea from a business perspective as it causes waste in terms of labor costs and labor costs.

1/j. In cases where a dedicated counter is not set up and many customers come to pay their public funds at the same time, most banks have only one payment counter and the customers will have to wait for a long time, resulting in dissatisfaction. ing.

Furthermore, even if the amount of public money is small, the counter staff has to count the same amounts of money as when depositing large sums of money, which takes time and hinders the improvement of operational efficiency.

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a deposit transaction device capable of reducing customer waiting time and efficiently processing deposit transactions.

[Structure of the invention]

(Means for Solving the Problem) In order to solve the problem described in item 1-, the present invention includes a depositing section that performs a counting process on the coins to be deposited, and a counting process on the deposited data counted by this depositing section. It is possible to process deposit transactions at a counter with a deposit machine that has at least a storage section that stores each receipt number with a separate receipt number attached, and an issuing section that prints and issues deposit data and receipt numbers on a receipt etc. each time a counting process is performed. A guide means that displays the reception number to inform the customer that the transaction is made, and the counting data based on the reception number stored in the storage unit is compared with the deposit data from the deposit slip that is input separately, and the deposit transaction is completed. It is characterized by being equipped with a teller's machine that performs processing.

(Function) In the deposit transaction device according to the present invention, the customer operates the deposit machine to count the money to be deposited, and deposits the deposit data and the reception number assigned for each counting process on the record. is printed and issued to the customer, and the teller's machine processes the deposit data based on the receipt number. Therefore, the counting process for depositing money and the depositing transaction process for deposit data can be separated, and processing capacity can be improved.

(Example) An example of the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a control block diagram of the entire deposit transaction device,
It is equipped with a lobby deposit handler 100, 150, which is installed in the lobby and allows customers to freely insert cash for public money payments, deposits, etc. to calculate deposits, and tellers machines 200, 250, which are operated by tellers at the counter. ing.

Since the lobby deposit handling machines 100 and 150 and the teller's machines 200 and 250 are completely the same, the lobby deposit handling machine 100 and the teller's machine 200 will be explained below.

FIG. 2 shows the appearance of the lobby deposit handler 100, with a keyboard 101, a coin deposit slot 103, a display section 104, a coin removal/return slot 109, a receipt issuing slot 110, and a banknote deposit slot/banknote removal/return slot 111 on the front side. We are preparing for Its block configuration is as shown in FIG.
``Approve button'' (0 button) to input the instruction to approve the deposit,
If you wish to cancel the deposit, press the “Return button J” to input a return instruction.
(X button), it is provided with at least a "coin deposit section" for inputting instructions when inserting coins and counting deposits.

The banknote deposit unit 102 takes in banknotes inserted one by one or all at once, checks the authenticity, denomination, thickness, etc., returns fake or unrecognizable banknotes, abnormal banknotes such as abnormal thickness, etc. For banknotes that are, the denomination is determined and temporarily held, and the number of bills for each denomination, total amount, etc. are stored in a temporary memory (not shown) provided in the deposit section 102 as deposit count data. The coin depositing section 103 starts counting the coins inserted in the same way as the bill depositing section 102 described above in accordance with the operation instructions of the "coin depositing section" described above, and determines the authenticity, denomination, etc. of each coin one by one. Abnormal coins such as fake or unidentifiable coins will be returned, and normal coins will be temporarily held after determining the denomination, and the number of coins by denomination will be collected as deposit count data.
The total amount and the like are stored in a temporary memory (not shown) provided in the coin deposit section 103.

Regarding banknotes and coins that have been put on hold for a while,
By operating the "approve button," each item is stored in the safe, and each item is returned by operating the "return button," and the contents of the memory are also reset each time.

If approved, the contents of each time memory are stored in the storage unit 107 in the order of the reception number, as shown in FIG. 6, along with the reception number, date, time, etc., which will be described later.

The display unit 104 is a CRT display device or the like, and displays counting data of banknotes and coins, as well as operation guidance.

When the "approval button" is operated and the banknotes and coins are stored in the safe, the receipt issuing unit 105 prints and issues the contents shown in FIG. 7.

As described above, the storage unit 107 stores the number of deposited banknotes and coins by denomination, reception number, date and time data, classification of incomplete and completed deposit transaction processing, etc. in order of reception number.

Furthermore, programs etc. that control the entire deposit machine are also stored.

The communication interface 108 is Terror's Machine 2, which will be described later.
In response to a deposit data adjustment request based on a reception number starting from 00, the deposit data of the reception number stored in the storage unit 107 is output. It also inputs the deposit transaction processing completion signal from the teller's machine.

The control unit 106 comprehensively controls each unit described in 1-.

On the other hand, the teller's machine (1) 200 is used by a teller at a bank counter to process deposit transactions and other processes such as withdrawals and currency exchange. To explain, the operation unit 201 is a keyboard that is operated when the teller performs various processes.For example, as shown in FIG. ″
key, "denomination" key, "correction" key, and "reception number" key.

The display unit 202 displays the contents of the operation on the operation unit 201, the reception number, the deposit data counted and stored in the lobby deposit machine 100 and the deposit/withdrawal machine 300, 400, that is, the number of coins by denomination, the total amount, etc.

The printing unit 203 prints the data processed by the teller's machine 200 as a journal or prints authentication on a slip or the like.

The storage unit 205 stores data for deposit transaction processing processed by the teller, and also stores programs for controlling the entire teller's machine.

The control unit 204 controls the entire Terror's machine,
Lobby deposit machine (1) 100. (2) 150, bill depositing and dispensing machine 300, coin depositing and dispensing machine 400, information display section (1) 50
1, (2) Data and various commands are sent and received to and from the display control unit 500 and the like that control the display control unit 502 via the communication interface 206, and processing is performed.

Communication interface 206 is Teller's Machine 200.2
50, lobby deposit machines 100, 150, bill deposit/dispensing machine 300, coin deposit/dispensing machine 400, and display control section 500, which will be described later, perform control for transmitting and receiving data and command signals.

In addition, a bill depositing and dispensing machine 300 and a coin depositing and dispensing machine 4tJO
At the time of deposit, the teller counts the bills and coins received from the customer, outputs the counting data to the teller's machine, and stores it by denomination, and when processing change and payment, it calculates the required denomination according to the teller's machine's request. It dispenses banknotes and coins.

These bill depositing and dispensing machines 300 and coin depositing and dispensing machines 400 are installed in each teller's machine (1) 200. (2) Used at timings that do not overlap from both sides of 250. Note that the depositing machine and the dispensing machine do not have to be a depositing and dispensing machine as in the embodiment, and the depositing machine and the dispensing machine may be separate devices.

The display control section 500 includes guide display sections (1) 501 and (2) 5.
Connect 02 to Terror's Machine (1) 200, (2) 2
50, enter the reception number data from the teller's machine that enables deposit transaction processing, and press the information display section (1) 5.
01, (2) 502 displays a reception number for calling a customer, and when a deposit transaction completion signal is input from the teller's machine, the number is turned off on the guidance display section.

Here, there are two guide display units, but this number is determined as appropriate so as to share reception numbers depending on the installation status of lobby deposit machines, which are added according to the number of users. In this case, the reception number can be assigned by distinguishing the number of upper digits of the reception number for each deposit machine.Next, the operation of the deposit transaction device according to the present invention will be explained with reference to the flowchart shown in FIG. explain.

First, when the entire device is in a standby state (step 11),
Lobby deposit machine 100 can perform deposit processing (step 12), and when a customer deposits money from bill deposit slot 111 and/or coin deposit slot 103, lobby deposit machine 100 counts the deposited coins, Based on the customer's operation of the approval button, a receipt shown in Figure 7, which records the reception number, deposit amount, number of denominations, etc.
00 to the teller's machine 200 or stored in the storage unit 107. This reception number is sent to the display control section 500 and displayed on the guide display sections 501 and 502 (step 13).

Similarly, the reception number is displayed on the display section 202 of the teller's machine 200 (step 14).

To explain Figure 7 in detail, the top row shows the same village and the payment confirmation time, the next row shows the reception number, which is a 4-digit serial number, the next row shows the total amount, which is a 6-digit number, and below that. Denomination details displaying the denomination of the deposit, 8 at the bottom
Each digit branch code is printed. If the first digit of the total amount is 0, for example, use an asterisk (*).
is printed. The denomination details are printed in a fixed format on the receipt, and are printed for the number of deposits, but it may be possible to print only for the denominations that have been deposited and not to print for the denominations for which there are no deposits. .

When the customer confirms that the reception number displayed on the display sections 501 and 502 matches the one displayed on his/her own receipt and submits the receipt to the counter, the teller first inputs the reception number using the numeric keypad ( Step 15). At this time, if there is a key input error, turn on the CE key (Step 6), enter the address again, and finally press the "reception number" key (step 17). As a result, the control unit 204 of the teller's machine 200 checks the lobby deposit machine side to see if there is data for the input reception number (step 18). If there is any corresponding data at this time, the data is transferred to the teller's machine 200 side, and deposit data such as number of coins by denomination, amount, total amount, etc. are displayed on the display section 202 of the teller's machine (step 19). Also, when the teller inputs the amount of the billing slip for public funds, etc. that should be paid and received from the customer at the counter (step 20), the amount on this slip is compared with the amount counted at the lobby deposit machine 100 to determine whether change is required. The control unit 204 determines whether the
1). When the amount h' counted at the lobby deposit machine is greater than the slip amount, the amount is calculated and used as change, and the money is paid from the money deposit/disburse machines 300, 400 (step 22). When the payment is completed, the χ key is pressed (step 23),
As a result, a processing completion signal is output from the teller's machine 200 to the lobby deposit machine 100 (step 26).
On the lobby deposit machine 100 side, the processing completion flag of the memory block of the corresponding reception number in the storage unit is set to "1". That is, the receipt number and payment details are stored in the memory in the form shown in Figure 6, and each time the process is completed, the flag 1 is set.
Therefore, on the lobby deposit machine side, uncompleted transactions, that is, those with a flag °0, are extracted in order from the lowest number, and if there are uncompleted transactions, repeat steps 13 onwards. If it does not exist, it will be in a standby state (
Step 27). Furthermore, if the deposit amount is insufficient and an additional deposit is made, or if the completion key is not pressed and an additional deposit is made (step 24), the deposit will be calculated (
Step 25) Return to step 21.

FIG. 5 is a flowchart summarizing the operation of the lobby deposit machine 100. If there is an abnormality after the start (step 51), the deposit will not be accepted and the process will end as an abnormal state (steps 91 and 92). For example, a message "Please take cash." appears on the hour display section 104.

On the other hand, when it is normal, it first becomes a neutral state (step 52), and a message such as "Please insert cash" appears on the display section 104, so insert banknotes (step 53) or deposit coins (step 54). will be carried out. The deposited money is counted (step 55). At this time, for example, a message such as "Calculation is currently being performed" is displayed. If an abnormality occurs in the counting (step 71), for example, a message such as "Please insert more cash" appears and the process ends (step 72).
.

If the count ends normally and there is no rejected money (step 57), for example, if the message "Please confirm the amount" appears and the counted value matches the deposited amount, then O button (step 58) If there is no match, press the X button (
Step 63) is pressed by the customer. ○When the button is pressed, for example, "We are currently communicating with a computer."
A message saying "Please take the receipt" appears and the item is stored (step 59), and a receipt is issued (step 60). After the receipt is removed (step 61) or after a time delay of about 5 seconds corresponding to the removal of a coin (step 62), the machine enters a standby state.

On the other hand, when the x button is pressed, the message ``Please accept the returned cash.'' is displayed, and the money is returned (step 64). At this time, when a coin is returned, a time delay of 5 seconds is given as the time to receive the coin (step 66), and when there is no coin, the withdrawal of the banknote (step 67) is confirmed by, for example, an optical sensor, and the state is in a standby state. becomes.

Note that if there is no rejection, there may be cases where a banknote is inserted (step 68) or a coin is deposited (step 69), but in this case, step 55
The counting process is repeated by returning to the point before .

Also, when there is a rejected coin (step 81),
For example, the message ``Please accept the returned cash.'' is displayed, and the rejected coins are removed (step 82).
), when the remaining amount matches the input amount, press the ○ button (step 85) to jump to step 59,
When a banknote is inserted (step 86) or a coin is deposited (step 87), the process jumps to step 55 for counting. Also, when the rejected amount does not match the counted amount and the × button is pressed (step 83), or when more than the specified number of coins are inserted and the intermediate pool is full ( Step 93), a refund is made (Step 84).

Lobby deposit machine, teller's machine in the above embodiments,
The number of deposit/withdrawal machines, information display units, etc. can be increased or decreased as necessary. Furthermore, the depositing section, display section, etc. can be of any type commonly used.

Furthermore, even if the display section displays several possible reception numbers for counter processing at the same time, it will display only the youngest number among the reception numbers for which processing has not been completed, and the counter reception will be performed for numbers after this number. You can also do this.

〔Effect of the invention〕

According to the deposit transaction device according to the present invention as described in 1- below,
Since the counting process for depositing money is performed by the customer himself/herself, the work of the teller can be reduced and the processing time can be shortened. As a result, the processing efficiency at the counter is improved for the teller, and the anxiety of customers having to wait for a long time at the counter is alleviated.

Additionally, since a receipt with the receipt number printed on it is issued, it is easy to confirm that the counting process has been completed. On the other hand, since the teller also processes the deposit transaction based on this reception number, the burden of processing the deposit transaction is reduced, and errors in inputting the deposit amount by the teller are eliminated.

[Brief explanation of the drawing]

Fig. 1 is a block diagram showing the configuration of the deposit transaction device according to the present invention, Fig. 2 is a perspective view showing the external appearance of the lobby deposit machine, Fig. 3 is a plan view showing the operating section of the teller's machine, and Fig. 4 is A flowchart showing the operation of the entire device, FIG. 5 is a flowchart showing the operation of the lobby deposit machine, FIG. 6 is an explanatory diagram showing the stored contents in the memory section of the lobby deposit machine, and FIG. 7 is a flowchart showing the operation of the lobby deposit machine. It is a ten-sided view showing a receipt. 100.150...Lobby deposit machine, 101...Operation unit, 102.103...Deposit unit, 104...Display unit, 105...Receipt issuing unit, 106...Control unit,
107...Storage unit, 200,250...Terror's machine, 201...Operation unit, 202...Display unit, 20
4...Control unit, 205...Storage unit, 300, 400
...Deposit/withdrawal machine, 500...Display control section, 501,5
02...Guidance display section. Applicant's agent Mr. Sato Figure 3

Claims (1)

[Claims] 1. A deposit unit that performs counting processing on coins to be deposited;
a storage section that stores the deposit data counted by the deposit section with a reception number assigned to each of the counting processes, and an issuing section that prints and issues at least the deposit data and the reception number on a receipt or the like each time the counting process is performed. a deposit machine having at least one of the following: a guide means for displaying the reception number to inform the customer that deposit transactions can be processed at the counter; and the counting data based on the reception number stored in the storage unit. A deposit transaction device comprising: a teller's machine that performs deposit transaction processing by comparing deposit data with deposit data from a separately input deposit slip. 2. The deposit transaction process is performed only when the deposit data in the deposit machine is greater than or equal to the input data of the deposit slip, and then a completion signal is output to the deposit machine. The deposit transaction device described in paragraph 1. 3. Deposit according to claim 1, characterized in that the money dispensing machine is operated so as to dispense the difference as change only when the deposit data in the deposit machine is greater than the input data of the deposit slip. Trading device. 4. If the deposit data on the deposit machine is less than the input data on the deposit slip, the shortfall amount will be calculated and displayed on the display, and when the money deposit machine counts an amount greater than the shortfall amount, the deposit processing will be completed and the above will be completed. The deposit transaction device according to claim 1, wherein a completion signal is output to the deposit machine. 5. The deposit transaction device according to claim 2 or 4, wherein the display on the guide means is turned off when a deposit transaction completion signal is output.