KR100822174B1 - Atm having reject box and the operation method thereof - Google Patents

Abstract

An ATM(Automated Teller Machine) having a reject box and an operation method thereof are provided to store rejected bills for banks and customers separately by dividing the reject box into non-accepted bill, non-circulated bill, and counterfeit bill storage parts and to store the bills separately according to the damaged state of the bills in a recycle box and the reject box. In an ATM having a reject box, a discriminating unit judges whether bills are abnormal. The reject box is composed of a non-accepted bill storage part(110) collecting and storing non-accepted bills if the customer does not receive the bills loaded in a depositing and drawing unit by a drawing request of the customer; a counterfeit bill storage part(120) formed separately from the non-accepted bill storage part to store the bills determined as counterfeit bills in the discriminating unit; and a non-circulated bill storage part(130) formed separately from the non-accepted bill storage part and the counterfeit bill storage part to store the bills determined as non-circulated bills in the discriminating unit.

Description

Automatic teller machine equipped with reject box and its operation method

1 is a schematic view showing the configuration of a general automated teller machine,

Figure 2 is a schematic diagram showing a schematic structure of the automated teller machine equipped with a reject box according to an embodiment of the present invention,

Figure 3 is a side schematic view showing a reject box according to an embodiment of the present invention,

Figure 4 is a flow chart showing a method of operating when depositing the automated teller machine equipped with a reject box according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

100: reject box 110: non-receivable bill storage

120: counterfeit storage 130: non-reflux bill storage

140: reject box door 150: conveying opening and closing door

160: conveying path 161,162,163: feed roller

171,172: Gate

The present invention relates to a financial automated device having a reject box for accommodating banknotes determined as abnormal banknotes, and a method of operating the same. More particularly, the present invention relates to a bank account for storing unpaid banknotes in which a customer does not receive a withdrawn banknote. Financial automated equipment and a method of operating the same, comprising a reject box including an unreceivable bill storage unit, a counterfeit storage unit for storing banknotes determined as counterfeit bills, and a non-reflux banknote storage unit for storing banknotes determined as non-reflux banknotes; It is about.

In general, ATMs and Cash Dispensing Units (CDUs) and cash are used for financial automated devices, which are devices designed to provide most services without consulting, regardless of time. There are Billing Recycling Machine (BRM), which is developed and used from the early stage for computerization of financial business. It is a device that can withdraw cash only automatically. In addition to the device is also equipped with a deposit function.

1 is a schematic view showing the configuration of a general automated teller machine.

In the automatic teller machine in which banknotes are deposited and withdrawn, a control unit (not shown in the drawing) that controls the entire machine including the deposit and withdrawal of banknotes, a deposit and withdrawal unit 10 for the customer to input or receive a banknote for withdrawal and withdrawal, and the withdrawal unit 10 Banknotes to be transferred to and out of the banknotes through the transfer path (20), installed on the conveying path 20, the discrimination unit 30 to discriminate whether there is an abnormality of the banknotes, the banknotes deposited after passing through the discrimination unit 30 Is temporarily stored in the temporary storage unit 40, a plurality of recycling boxes 50 to perform the reflux function by loading the banknotes deposited from the customer and the loaded banknotes are withdrawn, the discrimination unit 30 discriminates by abnormal banknotes It is provided with a reject box 60 is stored banknotes.

In the reject box 60 of such an automated teller machine, for example, a banknote determined as a counterfeit money in the discriminating unit 30 is stored, or a banknote which is sent out from the recycling box 50 by a customer requesting a withdrawal is deposited and received ( It is possible to store the unreceivable bills which were loaded in 10) but not received by the customer for a certain period of time.

However, in the case of banknotes that are not received by the customer, since the withdrawal is made from the automated teller machine, the banknote becomes the customer's banknote, which is a banknote that should be returned when the customer requests it later. Therefore, the banknotes that have been normally deposited in the automatic teller machine, but are determined to be abnormal, are bills of the machine (ie, banks owned by banks), so they need to be stored separately from the unreceivable banknotes.

In addition, the banknotes deposited by the customer are not counterfeit bills or undistributable banknotes, so they can be distributed. However, the banknotes that are considered improper to be withdrawn to the customer who requested the withdrawal due to the degree of damage are rejected rather than being placed in a recycle box. It is necessary to store separately in the box 60. In this case, too, it is unsuitable for distribution, but it is necessary to keep it separately from unreceivable bills, which are banknotes owned by customers, because they are bank-owned banknotes.

The present invention has been made to solve the above-mentioned problems, the present invention is to keep the banknotes and banknotes owned by the reject box banknotes and customer-owned banknotes not received bill storage and non-reflux banknote storage The purpose of the present invention is to provide a financial automation device having a reject box and a method of operating the same.

Another object of the present invention, by separating and storing the recycling box and reject box according to the degree of damage to the banknotes as a result of the banknote discrimination in the discrimination unit or separately stored in the recycling box and reject box depending on whether or not the face value of the banknotes The present invention provides a banking automation device having a reject box that can efficiently operate the banking automation device and its operation method.

Financial automated device having a reject box of the present invention for realizing the above object, the discriminating unit for discriminating the presence or absence of bank notes; If the customer does not receive the banknotes loaded in the deposit and withdrawal request by the customer's withdrawal request, the unreceivable money storage part for collecting and storing the unreceived money money, separately formed from the unreceivable money money storage part, and forged by the discrimination part A reject box consisting of a counterfeit storage part for storing the bills determined as bills, the non-receivable bill storage part and the counterfeit storage part, and a non-reflux bill storage part for storing the bills determined as non-reflux bills in the discriminating part; Characterized in that consisting of.

In this case, a conveying path is formed in one side of the reject box in the vertical direction; A banking path switching gate for switching banknote paths is provided between the non-receivable bill storage section and the non-reflux bill storage section and between the non-reflux bill storage section and the counterfeit storage section, respectively; It is preferable that a conveying path opening and closing door is installed in the conveying path to remove the banknote when the jam occurs.

The operating method of the automated teller machine equipped with the reject box of the present invention includes the steps of discriminating the banknotes transferred for the deposit and withdrawal in the discriminating unit; The discrimination unit determines whether the banknotes are circulating but the damage of the banknotes exceeds a preset value set in the controller to determine whether the banknote is damaged or the banknote is a small banknote whose face value is equal to or less than a predetermined amount; The judgment result is that the damage of the bill exceeds the reference value and the banknote determined as the damage banknotes and the banknotes determined as a small bill because the face value of the banknotes is less than a certain amount is transferred to the non-reflux banknote storage portion of the reject box; .

Hereinafter, the configuration and operation of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Figure 2 is a schematic diagram showing a schematic structure of a financial automated device with a reject box according to an embodiment of the present invention, Figure 3 is a schematic side view showing a reject box according to an embodiment of the present invention.

In the automatic teller machine of the present invention, a control unit (not shown in the drawing) for controlling the entire device including the deposit and withdrawal of the bill, the deposit and withdrawal unit 10 for the customer to put or receive the bill for deposit and withdrawal, the deposit and withdrawal unit 10 Transfer banknotes to be sent and received through the transfer path 20, installed on the conveying path 20 to discriminate whether there is an abnormality of the banknotes 30, the banknotes deposited after passing through the discriminating unit 30 Temporary storage unit 40 is temporarily loaded, a plurality of recycling boxes 50 to perform the reflux function by loading the banknotes deposited from the customer is loaded with the same as the conventional is provided.

There is provided a reject box 100 for receiving the banknotes discriminated by the abnormal bank in the discriminating unit 30. The reject box 100 is separated from the non-receivable bill storage unit 110 and the gastric waste storage unit 120 and the non-reflux banknote storage unit 130 and each.

The non-receipt banknote storage unit 110 is sent out from the recycling box 50 in response to a withdrawal request of the customer when the customer does not receive a bill loaded in the deposit and withdrawal unit 10 for a predetermined time by the signal of the control unit It is a space for collecting and storing unreceived bills.

The non-receivable bill is a bill that is normally withdrawn to the customer, so it is preferable to keep it separately from the bank-owned bill because it is a banknote owned by the customer. To this end, the non-receivable banknote storage unit 110 is formed separately from the gastric lung storage unit 120 and the non-reflux banknote storage unit 130, respectively.

The gastric waste storage unit 120 is formed separately from the non-receivable paper currency storage unit 110 and the non-reflux paper currency storage unit 130. Banknotes determined as counterfeit bills in the discriminating unit 30 are transferred to the counterfeit storage unit 120 by a signal from the control unit.

In Korea, banknotes determined as counterfeit bills in the discriminating unit 30 are exported to the deposit and withdrawal unit 10 without storing them in the reject box 100. However, in Europe, counterfeit bills are stored inside the automatic teller machine. It is supposed to be reported to the police in a state. Therefore, the gastric lung storage unit 120 needs to be formed separately from the non-receivable banknote storage unit 110 and the non-reflux banknote storage unit 130, respectively.

In the non-reflux banknote storage unit 130 which is installed separately from the non-receivable banknote storage unit 110, the banknotes determined as non-reflux banknotes are stored in the discriminating unit 30.

Here, the non-reflux banknote is a circulating banknote excluding counterfeit banknotes, which are not circulating on the market, and refers to banknotes treated as banknotes owned by banks in the automatic teller machine. In other words, it means banknotes that can be distributed on the market, but are not set to be withdrawn to customers through financial automated devices at each financial institution.

As an example of such a bill, when a customer deposits a 5,000 won bill in a automated teller machine withdrawing only 10,000 won bills to a customer, the 5,000 won bills are classified as non-refund bills and processed to be deposited but not withdrawn to the customer. Store in the non-reflux banknote storage unit (130).

In addition, as a result of discriminating banknotes by the discriminating unit 30, it is possible to distribute the bills on the market, but due to long use, the banks are less elastic or the damage of the banknotes is large, so that jams are likely to occur in the return path during withdrawal. Banknotes are impaired and classified as non-refundable banknotes and are not withdrawn even if a customer requests withdrawal.

Non-reflux banknotes such as small money bills and damage banknotes are stored in the non-reflux banknote storage unit 130 of the reject box 100 without being placed in the recycling box 50 where the withdrawal is made. Since the non-reflux banknote is a bank-owned banknote, the non-reflux banknote is stored separately from the outstanding purpose banknote which is a banknote owned by the customer. In addition, since the micro and impaired bills are all bank-owned banknotes, they may be mixed and stored in the non-reflux banknote storage unit 130.

A reject box door 140 is installed on the front of the reject box 100 to open the non-receiving waste storage unit 110, the gastric waste storage unit 120, and the non-reflux waste storage unit 130. .

The back of the reject box 100 is formed with a conveying path 160 for conveying the bills. The outside of the conveying path 160 is provided with a conveying path opening and closing door 150 for removing the jam (jam) occurs. The conveying path opening door 150 is coupled to the conveying rollers (161a, 162a) on the right side of the conveying path 160, the conveying path 160 is exposed when the conveying path opening door 150 is opened, jams generated bills Can be removed.

On the left side of the conveying path 160, the transfer rollers 161b and 162b for transferring the banknotes and the gates 171 and 172 for switching the transfer direction of the banknotes are not received and stored. It is provided on the side conveyance path, respectively.

Figure 4 is a flow chart showing a method of operating when depositing the automatic teller machine equipped with a reject box according to an embodiment of the present invention.

Referring to FIG. 4A, when it is detected that the customer does not receive the money for a predetermined time in the state in which the bill is withdrawn to the deposit and withdrawal unit 10 at the request of the customer (S201), the control unit of the gate 171 The direction is switched (S203), and the unreceived bills are stored in the unreceived bill storage unit 110 (S205).

Referring to FIG. 4 (b), when a counterfeit bill is detected among the banknotes deposited by the customer in the discriminating unit 30 (S301), the controller switches the direction of the gate 172 (S303) and counterfeits the counterfeit bill. The storage unit 120 is loaded (S305). In this case, the control unit may be configured to transmit a signal to inform the police of the occurrence of counterfeit money.

Referring to FIG. 4 (c), when the small amount of money in which the face value of the bill is less than or equal to a certain amount is detected in the discriminating unit 30 (S401), the gates 171 and 172 store the small amount of money in the non-reflux money storage unit 130 without changing the direction. ) Into (S403).

Referring to FIG. 4 (d), the discriminating unit 30 examines whether the banknote is a damaged banknote (S501). In this case, it is necessary to determine whether the banknotes are damaged in the reject box 100 or the recycling box 50. In other words, even if the banknotes are damaged or worn out to some extent, it is preferable to withdraw the clean banknotes from the perspective of the service.

Therefore, even when it is determined that the damage of the banknote is damaged banknotes exceeding the preset threshold value in the control unit, it is determined whether the banknotes are circulating on the market (S503). The banknotes are transferred in step S505, and in the case of non-distributable banknotes, the processing is returned (S507).

As described above, the present invention has been described using embodiments, but these embodiments are merely exemplary, and those skilled in the art may make various modifications and changes without departing from the spirit of the present invention. I can understand that.

As described above in detail, according to the automatic teller machine equipped with the reject box according to the present invention and a method of operating the same, the reject bank that can not be refluxed in the recycling box is separated into banknotes owned by banks and banknotes owned by customers Reject box is divided into unreceivable bill storage, non-reflux bill storage and counterfeit storage so that it can be stored separately. By separating and storing the recycling box and reject box depending on whether or not, there is an advantage that the automated teller machine can be efficiently operated.

Claims (3)

A discriminating unit for discriminating whether there is an abnormality of the banknote; If the customer does not receive the banknotes loaded in the deposit and withdrawal request by the customer's withdrawal request, the unreceivable money storage part for collecting and storing the unreceived money money, separately formed from the unreceivable money money storage part, and forged by the discrimination part A reject box consisting of a counterfeit storage part for storing the bills determined as bills, the non-receivable bill storage part and the counterfeit storage part, and a non-reflux bill storage part for storing the bills determined as non-reflux bills in the discriminating part; Banking automated equipment with a reject box made, including. The method of claim 1, A conveying path is formed in one side of the reject box in a vertical direction; A conveyance path formed on the side of the counterfeit storage part and the non-receivable waste storage part is provided with a gate for switching the transfer path of the bill; An outer side of the conveying path is provided with a conveying path opening and closing door for removing the banknote when a jam occurs; Financial automated equipment with a reject box characterized in that. A step of discriminating the banknotes transferred for the deposit and withdrawal at the discriminating unit; Determining whether the damage level of the banknote is damaged by the control unit, or whether the banknote is a small banknote whose face value is equal to or less than a predetermined amount; A small bank note whose circulation value is equal to or less than a certain amount of damageable bank notes or banknotes is transferred to a non-reflux bank note storage section of the reject box; Operation method of a financial automation device having a reject box made, including.

Images