KR101351664B1 - Financial apparatus - Google Patents

Abstract

The present invention relates to a financial instrument. According to an aspect, a financial device includes a media entry / exit unit capable of collectively inputting and returning a medium including a bill and a check; A discriminating unit capable of recognizing inserted bills and checks; A bill holder for storing deposited bills; A check deposit box for storing deposited checks; And a control unit performing a deposit processing without returning the media exceeding the processable number of media for the predetermined one-time deposit transaction among the inputted media to the media entry / exit unit.

Description

[0001]

The present specification relates to financial instruments.

Generally, a financial instrument is a device that processes a financial business desired by a customer. The financial instrument can deposit and withdraw the medium or automatically transfer the medium. For example, the financial instrument may deposit or withdraw bills or checks.

Conventional financial devices are configured to deposit or withdraw bills and checks through separate entry / exit portions. That is, the banknote is provided with a bill input / output unit, a bill transfer path, and a bill processing module, a check input / output unit, a check transfer path, and a check processing module.

In addition, the conventional financial device has a limit on the number of sheets that can be deposited in one transaction of banknotes or checks. For example, a check may be limited to 10 copies for a single transaction. In this case, when a customer wants to deposit more than 10 checks, there is a problem that the deposit transaction is further proceeded by inserting the remaining checks one by one after completing the deposit transaction.

An object of the present invention is to provide a financial device that can perform the deposit processing even if the medium is input in excess of the number of sheets that can be processed in a single deposit transaction.

According to an aspect, a financial device includes a media entry / exit unit capable of collectively inputting and returning a medium including a bill and a check; A discriminating unit capable of recognizing inserted bills and checks; A bill holder for storing deposited bills; A check deposit box for storing deposited checks; A check temporary accumulator for temporarily storing the inserted checks; And a control unit configured to perform a deposit processing without returning a check exceeding a processable number of checks for a predetermined one-time deposit transaction to the media entry / exit unit among checks temporarily accumulated in the check temporary accumulation unit. In the process of depositing a check with the host server for one-time deposit processing, receiving a full text and receiving a predetermined number of checks, the check is temporarily withdrawn from the check temporary storage unit. .
According to another aspect of the present invention, a financial device includes a media entry / exit unit capable of collectively inputting and returning a medium including a bill and a check; A discriminating unit capable of recognizing inserted bills and checks; A bill holder for storing deposited bills; A check deposit box for storing deposited checks; A check temporary accumulator for temporarily storing the inserted checks; And a control unit configured to perform a deposit processing without returning a check exceeding a processable number of checks for a predetermined one-time deposit transaction to the media entry / exit unit among checks temporarily accumulated in the check temporary accumulation unit. After a plurality of full-time transmissions and full-time receptions with the host server for one-time deposit processing are performed, all checks temporarily stored in the check temporary accumulation unit are collectively withdrawn from the check temporary accumulation unit to the check deposit box. The storage processing is carried out and the deposit processing is performed.

According to the proposed invention, even if the customer deposits the number of media that exceeded the number that can be processed in one deposit transaction, the customer can complete the deposit transaction without returning the media that has exceeded the number that can be processed. The hassle of having to carry out the deposit transaction is reduced, and the deposit transaction time is reduced.

1 is a perspective view of a financial instrument according to a first embodiment of the present invention;
2 is a configuration diagram of a financial instrument according to a first embodiment of the present invention;
3 is a schematic view of a check depository according to a first embodiment of the present invention.
4 is a flowchart for explaining a deposit processing method in a financial instrument according to the first embodiment of the present invention.
5 is a flowchart illustrating a deposit processing method in a financial device according to a second embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference symbols as possible even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

A financial device according to an embodiment of the present invention may be a financial device that obtains various media such as banknotes, securities (including checks), giro, coins, gift certificates, etc. and processes and / or withdraws such as deposits, Such as processing such as issuance of paper money, release of paper money, release of gift certificate, and the like. Examples of such financial instruments include an automated teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be various devices for automating the financial business such as FIS (Financial Information System).

Hereinafter, an embodiment of the present invention will be described on the assumption that the financial instrument is a financial automatic instrument. However, this assumption is only for convenience of explanation, and the technical idea of the present invention is not limited to the financial automation equipment.

FIG. 1 is a perspective view of a financial instrument according to a first embodiment of the present invention, and FIG. 2 is a configuration diagram of a financial instrument according to a first embodiment of the present invention.

Referring to FIG. 1 and FIG. 2, the financial device 1 according to the first embodiment of the present invention can communicate with a host server 2. The financial instrument 1 can transmit financial processing information to the host server 2 and receive customer information or the like from the host server 2. [ The host server 2 may store the financial transaction information received from the financial institution 1.

The financial instrument (1) includes a main body (10) having a plurality of parts built therein. The main body 10 includes a media input / output unit 13 capable of depositing or withdrawing banknotes and checks together.

The media input / output unit 13 includes a media storage space accessible by a customer, and the storage space can be opened and closed by a closure member such as a shutter or a cover, As shown in Fig. A plurality of banknotes and a plurality of checks may be simultaneously inserted into the media input / That is, the media input / output unit 13 serves as a common input / output unit for bill and check, and can input one or more kinds of banknotes and checks to the media input / output unit 13 in a bundle unit including a single sheet. Further, one or more kinds of banknotes and checks may be discharged to the media input / output unit 13 in units of bundles. The bill and the check may be input to the media input / output unit 13 in the same direction or may be extracted from the media input / output unit 13. Further, the bill and the check can be deposited regardless of the direction of the front and back of the bill and the check. Of course, the media input / output unit 13 may include separating means for separating the inputted bundle of banknotes or checks in a sheet-by-sheet manner.

Here, the fact that the bill and the check are inserted or extracted in the same direction means that the bill and the check are inserted or extracted in the lateral direction or the longitudinal direction. The lateral direction means a direction parallel to the short side of the banknote or check, and the longitudinal direction means a direction parallel to the long side of the banknote or check. The fact that the bills and the checks are independent of the front-back direction of the check means that the bills and the front face or the back face of the check do not matter whether they face upward or not.

Although not shown, the media input / output unit 13 may be provided with a pickup unit for picking up a loaded medium in a single sheet. Since the pickup means can be implemented by a known technique, a detailed description will be omitted.

The financial instrument 1 further includes a passbook entry / exit section 14 for entering and leaving a passbook, a card entry / exit section 15 for entering / leaving the card, and a customer display section 16 capable of displaying financial processing information .

The financial device 1 may further include a discriminating unit 20. The distinguishing unit 20 can identify the type of medium or identify a defective medium when storing or withdrawing the medium. In the present embodiment, the discriminating unit 20 can discriminate between the state of a bill and the state of a check. A transfer unit 19 for transferring bills and checks in common may be disposed between the media entry / exit unit 13 and the discrimination unit 20. The discriminating unit 20 may include one or more of an optical character reader (OCR) and a magnetic ink character reader (MICR).

The financial device 1 may further include a bill temporary accumulator 30 in which bills are temporarily accumulated. When the customer wants to deposit a bill into the financial device 1, the bill temporary accumulation unit 30 temporarily stores the bill received through the media entry / exit unit 13. The banknotes accumulated in the banknote temporary accumulation unit 30 are transferred to the banknote storage boxes 41, 42 and 43 to be described later when the customer finally decides to store banknotes.

The financial instrument 1 may further include a media storage box 40 for storing media. The media storage 40 may include one or more banknote storage boxes 41, 42, 43 and one or more check storage boxes 44. In this specification, it is noted that the number of the banknote storage boxes 41, 42, 43 and the check storage box 44 is not limited.

The media bins 41, 42 and 43 are provided with media inlets for receiving the transported bills and media outlets for discharging the bills accumulated in the bins 41, . In general, the media inlet and the media outlet may be formed at the upper end of a box constituting the external appearance of the banknote storage boxes 41, 42 and 43.

In addition, in the inside of the banknote storage boxes 41, 42 and 43, media collecting means for collecting banknotes transferred from the outside of the banknote storage boxes 41, 42 and 43 side by side, And a pick-up means for transferring the media to the outside of the storage boxes 41, 42 and 43. That is, the banknotes stored in the banknote storage boxes 41, 42 and 43 can be discharged to the outside, and the deposited banknotes can be stored in the banknote storage box. Specific configurations of the banknote storage boxes 41, 42, and 43 may be implemented with known configurations. In this specification, it is noted that the structure of the banknote storage boxes 41, 42 and 43, whether the banknotes can be discharged and whether or not the banknotes can be deposited are not limited to the examples described above.

The banknote box 40 may be elongated in a direction parallel to the gravity direction so that the medium can be accumulated in the gravity direction, it may be disposed in the lower portion inside the financial device (1). When the banknote device 1 is provided with a plurality of bill holders 41, 42, 43, the bill holders 41, 42, 43 may be arranged in a horizontal direction. As another example, the plurality of banknote storage boxes 41, 42 and 43 may be arranged in the vertical direction.

The check deposit box 44 may be disposed horizontally with the plurality of banknote storage boxes 41, 42 and 43. As another example, the check deposit box 44 may be disposed in the vertical direction together with the plurality of banknote storage boxes 41, 42, and 43. The check deposit box 44 may store a check for withdrawal. The structure of the check deposit box 44 will be described later with reference to the drawings.

The financial device 1 may further include a check deposit box 54. The checks deposited in the check deposit box 54 may be stored normally. The check deposit box 54 and the check deposit box 44 may be separate separate modules. As another example, the check deposit box 54 and the check deposit box 44 are provided in a single storage box, provided that a space inside the single storage box stores a check for deposit and a check for withdrawal. Can be partitioned into spaces.

The financial device 1, the first recovery box 50 is stored in the banknote or check that is determined to be bad during the deposit process, and the second collection box in which the banknote or check that is determined to be bad in the withdrawal process is stored ( 52), and may further include a recovery refill box (60). The first collecting box 52 and the second collecting box 52 are provided in a plurality of numbers, respectively, and can be used as a check collecting box and a paper money collecting box, respectively.

The recovery replenishment unit 60 replenishes paper money or checks to the paper currency storage boxes 41, 42 and 43 or the check storage box 44 or replaces the paper currency notes or check from the paper currency storage boxes 41, 42 and 43 or the check storage box 44, Or withdraw the check. Alternatively, the financial device 1 may further include a third recovery box (not shown) in which the unreceived medium is recovered when the customer does not receive the medium discharged to the media entry / exit unit 13 for withdrawal. .

In the financial instrument 1 of the present invention, the collection boxes 50 and 52 and the collection box 60 may be omitted. Further, there is no limitation on the number of the collection boxes (50, 52) and the collection box 60.

Although not shown, the financial instrument 1 may further include a staff operation unit for the staff member to confirm the status information of the financial instrument 1 or to input a command. The yard operation part may be provided on the rear part of the financial instrument 1 as an example. The yard operation unit may include a display unit for inputting a command by a touch method and displaying a screen, or an input unit for inputting a command and a display unit for displaying information. Since the yaw operation portion structure can be implemented by a known technique, a detailed description will be omitted.

FIG. 3 is a schematic view showing a check deposit box according to a first embodiment of the present invention. FIG.

Referring to FIG. 3, in the check deposit box 44 according to the embodiment of the present invention, the check G for depositing may be temporarily integrated and the check C for withdrawal may be stored. That is, the check depository 44 can function as a check depository function for withdrawal, as well as a check temporary depository for temporarily storing a check to be deposited.

The check deposit box 44 includes a first support portion 45 for supporting the check G for depositing, a second support portion 46 for supporting the check C for withdrawal, A pickup roller 48 for transferring the medium, and a transfer unit 47 for transferring the medium.

A check (C) for withdrawal is accumulated between the first support part (45) and the second support part (46). A check G for depositing can be placed above the first supporting part 45. [ A space between the first support portion 45 and the second support portion 46 may be referred to as a check storage portion. The first supporting part 45 and the second supporting part 46 can be moved up and down by independent driving parts. As another example, the second support portion 46 can be moved up and down by a driving portion, and the first support portion 45 can be connected to an elastic member (not shown). The elastic member may provide an elastic force to the first support portion 45 to move the first support portion 45 downward. In this case, the first support portion 45 can maintain the state as shown in FIG. 3 when no external force is applied to the first support portion 45, and when the second support portion 46 is raised, The lifting force of the support portion 46 is transmitted to the first support portion 45 by the check C for withdrawal so that the first support portion 45 is raised. At this time, the first support portion 45 can be raised to a position higher than the lowest point of the pickup roller 48 without interfering with the pickup roller 48. At this time, the first support portion 45 may be provided with a hole through which the pickup roller 48 passes.

Of course, even when the first supporting part 45 is operated by the driving part, the first supporting part 45 can be elevated to a position higher than the lowest point of the pickup roller 48. [

The present embodiment is not limited to the example described above as long as the check G for depositing in the check deposit box 44 can be stored separately from the check C for withdrawal, and various structures can be applied .

According to the present embodiment, since the check for depositing is temporarily accumulated in the check deposit box 44, there is an advantage that a separate temporary accumulation unit for check is unnecessary. As another example, the financial instrument 1 may further include a separate check temporary accumulation unit for temporarily storing a check for depositing. It is also possible that a check for depositing in the temporary accumulation section of the paper money is temporarily accumulated.

4 is a flowchart illustrating a deposit processing method in a financial device according to a first embodiment of the present invention.

In the description of this embodiment, it is assumed that the number of bills and checks that can be processed at the time of one deposit transaction in a financial device is set differently from the bills and checks, and that the number of checks that can be processed is 10 for example.

A check to be deposited by depositing banknotes and checks together, assuming that the number of bills received does not exceed the number that can be processed once, and that the number of checks that are deposited exceeds the number that can be processed (for example, 50). If the number of sheets exceeds the number of checks available, the deposit processing will be described as an example.

Referring to FIG. 4, a media deposit command is input to the financial device 1 (S1). That is, when the customer wants to deposit the medium, the customer can select a deposit button from among a plurality of financial processing buttons displayed on the customer display unit 16. Then, the customer can input the transaction means for the deposit processing (S2). In this embodiment, the transaction means may be an IC card (integrated circuit card) or a passbook. Of course, if the customer selects a deposit transaction without a trading means, there is no need to input the trading means. It is also possible to input the trading means first and to input the medium deposit instruction.

When the media deposit command is input, the media storage space constituting the media input / output unit 13 is opened, and the customer inserts the bill into the media storage space together with the check. In addition, the financial device 1 recognizes the inserted bills and checks (S3). That is, bills and checks inserted into the media storage space sequentially pass through the discriminating unit 20 via the conveying unit 19. Then, the information of the bill and check put in the discriminating unit 20 is recognized. Then, the banknotes and checks past the discrimination unit 20 are temporarily stored (S4). At this time, the bill is temporarily accumulated in the bill temporary accumulation unit 30, the check may be temporarily accumulated in the check box 44, for example. Information of the medium recognized by the discriminating unit 20 is stored in a memory.

Then, the customer display unit 16, the information for checking the information of the inserted bills and checks (for example, the amount and number of bills and checks, whether the check is a check or other check, the serial number of the check, etc.) It is displayed (S5). Next, it is determined whether a deposit transaction confirmation command has been input (S6). If the deposit transaction confirmation command is not input (if the deposit transaction cancel command is input), the temporarily accumulated bank notes and checks are returned to the media entry / exit unit 13 (S25). Then, the deposit transaction of the medium is terminated. Of course, after the deposit transaction of the medium is ended, the customer may re-enter the medium deposit command.

On the other hand, if it is determined in step S6 that the deposit transaction confirmation command has been input, the controller (not shown) determines whether the number of the media on which the deposit transaction is confirmed, that is, the number of banknotes and the number of checks, is greater than the number of processes of the preset medium. . That is, it is assumed that the number of bills is smaller than the number of bills that can be processed and the number of checks is greater than the number of bills that can be processed in the above-described assumption, so that the number of checks is greater than the number of bills that can be processed. In this case, since the number of possible checks of the predetermined check is 10, the controller transmits the first one deposit processing information to the host server 2 (S7) (the first professional transmission). In the present specification, transmission of one-time deposit processing information to the host server 2 will be referred to as a full text transmission, and receiving a response from the host server 2 will be referred to as a full text reception.

In this specification, once deposit processing information is the information of the banknote and check which can be deposited once. One deposit processing information includes information on the whole bill in which the deposit transaction confirmation command is entered and check information of one sheet or less (for example, check information for 10 sheets out of a total of 50 checks in which the deposit transaction confirmation command is entered). ). That is, the number of checks included in the full text may be 10 or less depending on the number of checks inserted.

In the present embodiment, checks for depositing are separated sheet by sheet by the medium pick-up means from the media entry / exit unit 13, and the sheets separated by sheets are sequentially accumulated in the check temporary storage unit of the check box 44. At this time, the check placed at the bottom of the first support part 45 of the check box 44 is the first check picked up from the media entry / exit 13, and the check placed at the top of the first support part 45. Is the check finally picked up by the media entry / exit unit 13. In the check box 44, the check is first picked up and discharged. Therefore, the check information that can be deposited once is information about 10 checks sequentially placed from the top check to the bottom in the check deposit box 44.

Next, the controller determines whether a response is received from the host server 2 (S8). When receiving a response from the host server 2, it is determined whether the received response is an approval response (S9).

When receiving the approval response from the host server 2, the banknotes approved for deposit processing are stored in the bill holders 41, 42, 43, and the checks approved for deposit processing are stored in the check deposit box 54 (S10). ). At this time, the banknotes 41, 42, and 43 hold the entire deposited bank notes. Then, 10 checks are stored in the check deposit box 54 after 10 checks are sequentially picked up from the check box 44. When the banknotes are deposited in the bill holders 41, 42, 43 and ten checks are stored in the check deposit box 54, the first deposit processing is completed. That is, one time deposit processing includes one full-text transmission and reception and one medium storage process.

In the present specification, a single deposit transaction refers to a series of processes until a customer inputs a media deposit command and the deposit transaction is completed in the financial device until the deposit is displayed on the customer display unit. Therefore, in the present specification, when the input medium exceeds the number of possible transactions in one deposit transaction, it may be understood that the one deposit transaction includes a plurality of deposit processing processes.

Next, the control unit determines whether a check for deposit in the check box 44 exists (S11). In the above, since 10 checks have been picked up from the check box 44, 40 checks are present in the check box 44. In step S11, if there is a check for deposit in the check box 44, the process returns to step S7. Thus, information about the next 10 checks is sent to the host server 2. At this time, since the information of the whole bill was transmitted at the time of the first telegram, only 10 pieces of check information would be transmitted to the host server 2 at the time of the second telegram.

In the case of the present embodiment, since 50 checks have been deposited, steps S7 to S11 are repeated five times. That is, the full text transmission to the host server 2 is performed five times.

On the other hand, if it is determined in step S11 that the check for deposit in the check deposit box 44 does not exist, it is determined whether there is an unauthorized transaction in the previous professional transmission process (S12).

If there is no transaction approved in the previous full-text transmission process, the deposit completion processing result is printed on the specification table (S13), and the specification table and the transaction means are discharged from the financial device 1 (S14). Then, the deposit completion processing information is displayed on the customer display unit 16 (S15). In this embodiment, the order between steps S13 to S15 may be changed.

On the other hand, in step S9, the control unit receives a response from the host server 2, but if the received response is a non-transactional response instead of an approval response, return the media corresponding to the corresponding message to the media entry and exit unit 13 (S21). For example, if you receive an acknowledgment after your first full-text transfer and receive a non-transactional response after you receive your second full-text deposit, and you receive a non-tradeable response after your second full-text, Ten checks are discharged to the media entry / exit unit 13. In addition, when the approval response is received for the remaining three full-text transmissions, the remaining 30 checks are completed. At this time, the media entry / exit unit 13 may not open the shutter so that the customer does not know that the check is discharged, and then open the shutter so that the customer receives the check after all transactions are completed.

In this case, in step S12, it is determined that there is an unauthorized transaction, and the approved transaction and the unauthorized transaction information are printed on the specification table (S22), and the specification table and the transaction means are discharged from the financial device 1 (S23). Then, the control unit causes the customer display unit 16 to display information about the approved transaction and the unauthorized transaction (S24). Then, the customer can take out 10 checks returned to the media entry / exit unit 13 from the media entry / exit unit 13. In this embodiment, the order between steps S22 to S24 may be changed.

On the other hand, in step S8, when no response is received from the host server 2, the temporarily stored medium is recognized again (S16). That is, the control unit causes the temporarily stored medium to be transferred to the discriminating unit 20, and the discriminating unit 20 causes the temporarily stored medium to be recognized again. The recognized media information is stored in a memory, and the control unit causes the media past the discriminating unit 20 to be recovered when the medium is collected (S17). At this time, bills and / or checks may be collected in the first collection box 50.

In the present embodiment, when the full text is transmitted to the host server 2, but the response is not received from the host server 2, the host server 2 does not receive the full text or the host server does not receive the response. When (2) received the message but failed to send a response, or the host server 2 received the message and sent an acknowledgment to the financial device, the financial device 1 receives the response due to a communication failure. If not, and the like can be included.

In any case above, when the financial device 1 does not receive the full text from the host server 2, the host server 2 does not check whether the host device 2 has received an approval response. After recognizing all of the media and the remaining media corresponding to the preamble, the first recovery box 50 is recovered.

Then, the failure information is displayed on the customer display unit 16 (S18). The information on the disability displayed on the customer display unit 16 may not include the process of completing the deposit transaction processing due to the disability, and the received medium is recovered by collecting the information. When the disability information is displayed on the customer display unit 16, the disability information may be transmitted to an account terminal used by a bank clerk. Then, the specification table and the transaction means on which the failure information is printed are discharged (S19 and S20). In the present embodiment, the order between steps S18 to S20 may be changed.

In summary, in the case of the present embodiment, when the customer deposits the number of sheets exceeding the number that can be processed once, the deposit processing (professional transmission and reception and media storage) is divided into multiple circuits. While the deposit processing is in progress by dividing a plurality of circuits, the current payment progress state may be displayed on the customer display unit 16. For example, a deposit amount (or purchase amount) relative to the total input amount (or purchase amount) may be displayed in the form of a number, a ratio, or a bar graph.

According to the present invention as described above, even if the customer deposits the number of sheets that can be processed in one deposit transaction, the deposit transaction can be completed without returning the media that exceeds the number of sheets. The hassle of having to perform a deposit transaction is reduced, and the deposit transaction time is reduced.

5 is a flowchart illustrating a deposit processing method in a financial device according to a second embodiment of the present invention.

In the description of this embodiment, it is assumed that the number of bills and checks that can be processed at the time of one deposit transaction in a financial device is set differently from the bills and checks, and that the number of checks that can be processed is 10 for example.

And the banknotes and checks are deposited together, and the number of bills received does not exceed the number that can be processed once, and the number of checks that are deposited exceeds the number that can be processed (for example, 50 sheets) by way of example. Let's do it.

Referring to FIG. 5, a media deposit command is input to the financial device 1 (S31). That is, when the customer wants to deposit the medium, the customer can select a deposit button from among a plurality of financial processing buttons displayed on the customer display unit 16. In addition, the customer may input a transaction means for the deposit processing (S32).

When the media deposit command is input, the media storage space constituting the media input / output unit 13 is opened, and the customer inserts the bill into the media storage space together with the check. Then, the financial device 1 recognizes the inserted bills and checks (S33). That is, bills and checks inserted into the media storage space sequentially pass through the discriminating unit 20 via the conveying unit 19. Then, the information of the bill and check put in the discriminating unit 20 is recognized. Then, the banknotes and checks past the discrimination unit 20 are temporarily stored (S34). At this time, the bill is temporarily accumulated in the bill temporary accumulation unit 30, the check may be temporarily accumulated in the check box 44, for example. Information of the medium recognized by the discriminating unit 20 is stored in a memory.

Next, the customer display unit 16 displays information for confirming the information of the inserted banknote and check (S35). Next, it is determined whether a deposit transaction confirmation command has been input (S36). If the deposit transaction confirmation command is not input (if the deposit transaction cancel command is input), the temporarily accumulated bank notes and checks are returned to the media entry / exit unit 13 (S51). Then, the deposit transaction of the medium is terminated. Of course, after the deposit transaction of the medium is ended, the customer may re-enter the medium deposit command.

On the other hand, if it is determined in step S36 that the deposit transaction confirmation command has been input, the control unit transmits the deposit processing information once to the host server 2 (S7) (the first full message transmission).

Next, the controller determines whether a response (full text) is received from the host server 2 (S38). When receiving a response from the host server 2, the controller determines whether the received response is an approval response (S39).

When receiving the approval response from the host server 2, the controller determines whether there is information (full text) to be transmitted to the host server 2 (S40).

If there is information to be transmitted in step S40, the flow returns to step S37. In this embodiment, the professional transmission / reception process S37 to S40 is repeated five times. If there is no information to transmit in step S40, the entire temporarily stored medium is completed and stored in the storage box (S41). That is, the bill is stored in the bill holder, and the check is stored in the check deposit box.

In summary, in the present embodiment, after completing a plurality of full-text transmission and reception, the deposit temporarily processes the temporarily stored medium. While the professional transmission and reception is performed by dividing a plurality of circuits, the current payment progress state may be displayed on the customer display unit 16. For example, a deposit amount (or purchase amount) relative to the total input amount (or purchase amount) may be displayed in the form of a number, a ratio, or a bar graph.

Then, the deposit completion processing result is printed on the specification table (S42), and the specification table and the transaction means are discharged from the financial device 1 (S43). Then, the deposit completion processing information is displayed on the customer display unit 16 (S44). In this embodiment, the order between steps S42 to S44 may be changed.

On the other hand, in step S38, when not receiving a response from the host server 2, the control unit causes the discriminating unit 20 to recognize the temporarily stored medium (S45). That is, all of the medium and the remaining medium corresponding to the preamble are transferred to the discriminating unit 20, and the temporarily stored medium is recognized again by the discriminating unit 20. The recognized medium information is stored in a memory, and the medium passing through the discriminating unit 20 is recovered in a collection box (S46). At this time, bills and / or checks may be collected in the first collection box 50.

Next, the failure information is displayed on the customer display unit 16 (S47). The information on the disability displayed on the customer display unit 16 may not include the process of completing the deposit transaction processing due to the disability, and the received medium is recovered by collecting the information. When the disability information is displayed on the customer display unit 16, the disability information may be transmitted to an account terminal used by a bank clerk. Then, the specification table and the transaction means on which the obstacle information is printed are discharged (S48 and S49). In the present embodiment, the order between steps S48 to S49 may be changed.

In addition, for example, in the case of not receiving a full text message after the third full text transmission after the third full text transmission and the full text reception, the processes S45 to S49 are similarly performed. That is, if any one of the multiple times of transmission is not received, the process of S45 to S49 is performed.

On the other hand, if a response is received from the host server 2 in step S39, but the received response is a non-transactional response, the controller causes all of the payment media to be returned to the media entry / exit unit 13 (S50). That is, the temporarily stored medium is transferred to the medium entry / exit unit 13.

Next, the control unit causes the customer display unit 16 to display the failure information (S47). The disability information displayed on the customer display unit 16 may include a content of intention to visit a person in charge (bank window) since the transaction approval has not been completed and the deposit transaction process has not been completed. Then, the specification table and the transaction means on which the obstacle information is printed are discharged (S48 and S49). In the present embodiment, the order between steps S47 to S49 may be changed.

In addition, for example, in the case of receiving a non-transactional response by the professional reception after the third professional transmission after a total of five professional transmissions and a professional reception, the processes S50 and S47 to S49 are similarly performed. That is, when any one of the multiple transmissions has received a non-transactional response, the processes of S50 and S47 to S49 are performed.

As another example, after completing the full-text transmission process a plurality of times, it is also possible to determine whether or not to approve each full-text, to deposit the approved media, and to return the unapproved media to the media entry and exit unit (13). For example, if the response to the third professional transmission out of the five professional transmissions is a non-tradable response, and the response to the remaining four professional transmissions is an approval response, the medium corresponding to the approval response is deposited and processed. The medium corresponding to the response may be returned to the media entry / exit unit 13. Based on the checks picked up from the check deposit box 44, the 20th check corresponding to the approval response among the 50 checks temporarily collected is transferred to the check deposit box 54, and then the 21st to 30th checks. The check can be returned to the media entry / exit 13 and then the 31st to 50th checks can be transferred back to the check deposit box 54.

According to the present embodiment, even if the customer deposits the number of the sheets exceeding the number of sheets that can be processed at the time of one-time deposit transaction, the deposit transaction can be completed without returning the media exceeding the number of sheets. The hassle of having to carry out the deposit transaction is reduced, and the deposit transaction time is reduced.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Terms used generally, such as terms defined in a dictionary, should be interpreted to coincide with the contextual meaning of the related art, and shall not be interpreted in an ideal or excessively formal sense unless explicitly defined in the present invention.

In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. Codes and code segments constituting the computer program may be easily inferred by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

10: main body 13; Media entry and exit
20: discrimination

Claims (10)

A media entry / exit unit capable of collectively inputting and returning a medium including bills and checks;
A discriminating unit capable of recognizing inserted bills and checks;
A bill holder for storing deposited bills;
A check deposit box for storing deposited checks;
A check temporary accumulator for temporarily storing the inserted checks; And
And a control unit for performing a deposit processing without returning a check exceeding a processable number of checks for a predetermined one-time deposit transaction to the media entry / exit unit among the checks temporarily accumulated in the check temporary accumulation unit,
The control unit performs a deposit process by proceeding a plurality of times of receipt processing from the check temporary storage unit after the withdrawal from the check temporary storage unit for a check of a predetermined number of checks available for the professional transmission with the host server for the one time deposit processing. Ongoing financial instruments. delete A media entry / exit unit capable of collectively inputting and returning a medium including bills and checks;
A discriminating unit capable of recognizing inserted bills and checks;
A bill holder for storing deposited bills;
A check deposit box for storing deposited checks;
A check temporary accumulator for temporarily storing the inserted checks; And
And a control unit for performing a deposit processing without returning a check exceeding a processable number of checks for a predetermined one-time deposit transaction to the media entry / exit unit among the checks temporarily accumulated in the check temporary accumulation unit,
The control unit, after performing a full number of full-time transmission and full-time reception with the host server for one-time deposit processing, collects all the checks temporarily stored in the check temporary accumulation unit at the check temporary accumulation unit after storing the checks collectively. A financial device that accepts deposits and processes deposits. The method according to claim 1 or 3,
The control unit, the financial device to display the deposit progress status information through the customer display in the process of the deposit processing. 5. The method of claim 4,
The control unit returns a check for the one-time deposit processing to the media entry / receiving unit when the full message received from the host server includes a non-transactional response during the one-time payment processing. The method of claim 5, wherein
And the control unit displays information on the unauthorized transaction through the customer display unit when there is an unauthorized transaction with a full reception including a non-transactional response as a result of performing the multiple deposit process once. The method of claim 3, wherein
The controller may be configured to accumulate the check temporary accumulator in the case where the message received from the host server includes a non-transactional response in the process of performing the message transmission and the message reception with the host server for one time deposit processing. A financial device for returning all the checked checks to the media entry and exit. The method of claim 1,
When the control unit transmits a message to the host server but does not receive the message, the controller may check a check corresponding to a one-time deposit processing that does not receive the message or a check and all remaining checks corresponding to the one-time deposit processing that does not receive the message. A financial device that is recovered through a recovery box after recognizing through the discriminating unit. The method according to claim 1 or 3,
If the control unit transmits the full text to the host server but does not receive the full text, the control unit recognizes all of the checked checks through the discriminating unit and recovers the collection box. The method according to claim 1 or 3,
The control unit, if the transmission to the host server, but not receiving the message, the financial device to display the failure information through the customer display.

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