KR101471754B1 - Financial device and method of controlling the same - Google Patents

Abstract

The present invention relates to a financial instrument and a control method thereof. According to one aspect of the present invention, there is provided a financial instrument comprising: a media input / output unit through which a medium can be inserted or ejected; A discriminating unit for recognizing an inserted medium; A temporary accumulation unit in which the loaded medium can be temporarily accumulated; And a control unit for determining a position to which the medium is to be conveyed according to a state of the medium discriminated by the discriminating unit, wherein the control unit controls the conveyance of the medium so that the medium is transferred to the temporary accumulating unit when the one- And controls the transport of the medium so that the medium is discharged to the media input / output unit when the medium is inserted in the other direction.

Description

FIELD OF THE INVENTION [0001]

The present invention relates to a financial instrument and a control method thereof.

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.

Japanese Unexamined Patent Application Publication No. 2000-318903 discloses an inverting section for inverting paper sheets.

According to this technique, there is a problem in that the structure is complicated, because a configuration such as a feed path and a path switching unit is further required to form the inverting unit.

The present invention provides a financial instrument capable of reversing a medium by a simple structure and a control method thereof.

According to one aspect of the present invention, there is provided a financial instrument comprising: a media input / output unit through which a medium can be inserted or ejected; A discriminating unit for recognizing an inserted medium; A temporary accumulation unit in which the loaded medium can be temporarily accumulated; And a control unit for determining a position to which the medium is to be conveyed according to a state of the medium discriminated by the discriminating unit, wherein the control unit controls the conveyance of the medium so that the medium is transferred to the temporary accumulating unit when the one- And controls the transfer of the medium so that the medium inserted in the other direction is discharged to the medium input / output unit for reversing the medium inserted in the other direction when the medium is inserted in the other direction, The control unit controls the media transport to transfer the media to the temporary accumulation unit after the completed media is drawn out from the media input / output unit, and the medium inserted in the opposite direction is moved in the same direction as the media loaded in the one direction And are accumulated in the temporary accumulation unit in an aligned state.

A financial instrument according to another aspect includes: a media input / output unit in which a plurality of kinds of checks and bills can be input or ejected; A discriminating unit for recognizing the inserted check and paper money; A first temporary accumulation unit for temporarily accumulating a check, which is the inserted first type of medium; A second temporary accumulation unit in which paper money, which is the input second type medium, can be temporarily accumulated; And a control unit for determining a position to which the medium is to be transferred according to a state of the medium discriminated by the discriminating unit, wherein when the inserted one type of check is inserted in one direction, the check is transferred to the first temporary accumulating unit The control unit controls the conveyance of the check so that the check inserted in the other direction is transferred to the second temporary integrated unit for reversing the check if the check is inserted in the other direction, And the checks inserted in the reversed direction are integrated in the first temporary accumulation unit in a state aligned in the same direction as the check inserted in one direction.

According to another aspect of the present invention, there is provided a method of controlling a financial instrument, comprising: recognizing a feeding direction of a medium into which a discriminating unit is inserted; Determining by the control unit a position at which the medium is to be transported according to an input direction of the medium discriminated by the discriminating unit; Transferring the medium to the temporary integrated unit when the medium is inserted in one direction and transferring the medium to the medium input / output unit when the medium is inserted in the other direction; The medium transferred to the media input / output unit is re-recognized by the identification unit; And transferring the medium re-recognized by the discrimination unit to the temporary accumulation unit.

According to another aspect of the present invention, there is provided a method of controlling a financial instrument, comprising: recognizing a feeding direction of a medium into which a discriminating unit is inserted; Determining by the control unit a position at which the medium is to be transported according to an input direction of the medium discriminated by the discriminating unit; And transporting the medium to the first temporary accumulation unit when the medium is loaded in one direction and transporting the medium to the second temporary accumulation unit after the medium is transported to the second temporary accumulation unit, .

According to the proposed invention, it is possible to invert the check by ejecting the check to the media input / output unit without re-arranging the check for the reversal of the check, and then transferring the check again. Thus, the structure is simple, Can be prevented.

1 is a perspective view of a financial instrument according to an embodiment of the present invention;
2 is a block diagram of a financial instrument according to an embodiment of the present invention;
3 is a schematic view of a check depository according to an embodiment of the present invention.
4 is a flowchart illustrating a method of controlling a financial instrument according to an 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 an embodiment of the present invention, and FIG. 2 is a configuration diagram of a financial instrument according to an embodiment of the present invention.

1 and 2, a financial device 1 according to an embodiment of the present invention includes a main body 10 having a plurality of parts therein. The main body 10 may include 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. In the present specification, the front side of a check means the amount of the check and the bank information, and the back side of the check is the opposite side of the front side of the check.

The banking machine 1 further includes a bankbook input / output unit 14 for inputting and outputting a bankbook, a card input / output unit 15 for inputting / outputting a card, and a customer operation unit 16 capable of displaying financial processing information .

The financial instrument 1 may further include a distinguishing 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 first transfer unit 19 for transferring bills and checks in a common manner may be disposed between the media input / output unit 13 and the discrimination unit 20.

A second transfer unit 21 may be disposed above the first transfer unit 19. The second transfer unit 21 may be connected to the media input / output unit 13. Therefore, the medium to be returned or the medium to be withdrawn can be conveyed to the medium input / output section 13 along the second conveyance section 21. [

A third transfer unit 22 may be disposed below the first transfer unit 19. The deposited medium or the medium to be withdrawn may be conveyed along the third conveyance section 22. [ The third transfer unit 22 may be connected to the first transfer unit 19.

The discrimination unit 20 may include at least one of an optical character reader (OCR) and a magnetic ink character reader (MICR).

The financial instrument 1 may further include a paper currency temporary accumulation unit 30 in which bank notes are temporarily accumulated. The banknote temporary accumulation unit 30 temporarily stores the banknotes stored through the media input / output unit 13 when the customer intends to deposit banknotes into the financial instrument 1. [ 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 storage box 40 may be formed to be long in a direction parallel to the gravity direction so that the medium can be accumulated in the gravitational direction and may be disposed in the lower portion of the inside of the financial device 1. [ When a plurality of banknote storage boxes 41, 42 and 43 are provided in the financial instrument 1, a plurality of banknote storage boxes 41, 42 and 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 instrument 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, but a space inside a single storage box stores a check for depositing and a check for withdrawal is stored As shown in Fig.

The banknote 1 includes a first collection box 50 in which a banknote or check determined to be defective in the depositing process is stored and a second collection box 50 in which a banknote or check determined to be defective in the withdrawal process is stored 52), and a collecting replenishment (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 instrument 1 may further include a third collection box (not shown) in which the non-receiving medium is collected when the customer has taken the medium discharged to the media input / output 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.

3 is a schematic view of a check depository according to an embodiment of the present invention.

Referring to FIG. 3, in the check depository 44 according to the embodiment of the present invention, the check M1 for depositing may be temporarily integrated and the check M1 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 161 for supporting the check M1 for deposit, a second support portion 162 for supporting the check M2 for withdrawal, A pick-up roller 140, and a transfer unit (not shown) for transferring the medium.

A check M2 for withdrawal is accumulated between the first support portion 161 and the second support portion 162. [ A check M2 for depositing can be placed above the first support part 161. [ The space between the first support portion 161 and the second support portion 162 may be referred to as a check storage portion. The first support part 161 and the second support part 162 can be moved up and down by independent driving parts. As another example, the second support portion 162 may be moved up and down by a driving portion, and the first support portion 161 may be connected to an elastic member (not shown). The elastic member may provide an elastic force to the first support portion 161 to move the first support portion 161 downward. In this case, the first support portion 161 can maintain the state as shown in FIG. 3 when no external force is applied to the first support portion 161, and when the second support portion 162 is raised, The lifting force of the supporting part 162 is transmitted to the first supporting part 161 by the check M2 for withdrawal so that the first supporting part 161 ascends. At this time, the first support portion 161 can be raised to a position higher than the lowest point of the pick-up roller 140 without interfering with the pick-up roller 140. At this time, a hole (not shown) for allowing the pickup roller 140 to pass through may be formed in the first support portion 45.

Of course, even when the first support portion 161 is operated by the driving portion, the first support portion 161 can be raised to a position higher than the lowest point of the pickup roller 140. [

The present embodiment is not limited to the above-described example as long as the check M1 for depositing in the check deposit box 44 can be stored separately from the check M2 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.

The check depositor 44 may further include a printing apparatus 100 for printing checks.

The printing apparatus 100 may include a printing head 101 for printing a check and a conveying guider 102 spaced apart from the printing head 101. A transfer path 132 through which a check passes is formed between the printing head 101 and the conveying guider 102. That is, the check may pass through the printing apparatus 100.

In the present specification, when a check (or a medium) is inserted in one direction, the check is conveyed along the first conveying unit 19 while the front face of the check is located at the upper side and the rear face is located at the lower side. It can be described that the check is fed into the check storage box 44 so that the back side of the check faces the printing head.

On the other hand, in the present specification, when the check is inserted in the other direction, the check is conveyed along the first conveyance part 19 with the back side of the check being located at the upper side and the front side being positioned at the lower side, It can be described that the check is conveyed along the third conveyance part 22 and the check is drawn into the check deposit box 44 so that the front face of the check faces the printing head.

Printing is performed on the back side of the check when the check is deposited, and printing is performed on the front side of the check when the check is withdrawn. Therefore, if a check is put in the other direction to deposit a check, an inversion of the check is required to print on the back of the check.

Hereinafter, a method of inverting a check will be described.

4 is a flowchart illustrating a method of controlling a financial instrument according to an embodiment of the present invention.

Referring to FIG. 4, a check may be input to the media input / output unit 13 for depositing a check (S1). The inserted check is conveyed along the first conveyance unit 19 to the discrimination unit 20, and the discrimination unit 20 recognizes the state of the inserted check (S2). In the present embodiment, the discrimination unit 20 recognizes the state of the check and transmits the result to the control unit (not shown), or the control unit judges the state of the check based on the information sensed by the discrimination unit 20 can do.

Then, the controller determines whether the check is inserted in one direction (S3).

If it is determined in step S3 that the check is inserted in one direction, the control unit controls the transfer of the check so that the inserted check is transferred to the check temporary accumulation unit (check storage box) (S6). That is, the inserted check is integrated into the check temporary accumulation unit in the check deposit box 44. [

When the check is inserted in one direction as described above, the back side of the check faces the printing head 101. Accordingly, the printing head 101 performs printing on the back side of the check (S7). That is, the printing head 101 prints on the back side of the check with the check integrated in the check temporary accumulation unit of the check deposit box 44 positioned on the conveyance path 134. [

Then, the printed check is transferred to the check deposit box 54 and accumulated in the check deposit box 54 (S8).

On the other hand, if it is determined in step S3 that the check has not been input in one direction, that is, if it is determined that the check has been inserted in the other direction, the control unit determines that the check is to be output to the media input / output unit 13 (S4).

At this time, the check inserted in the other direction is discharged to the media input / output unit 13 along the second transfer unit 21. [ The check inserted in the other direction is discharged to the media input / output unit 13 in a state where the front surface is located at the upper side. That is, the checks are reversed in the process of transferring the checks from the first transfer unit 19 to the second transfer unit 21.

Then, the check delivered to the media input / output unit 13 is conveyed again along the first conveyance unit 19 in a state where the front side is located at the upper side, and is recognized by the discrimination unit 20 (S5). The structure for transferring the medium discharged to the medium input / output part 13 to the first transfer part 19 is not limited in the present invention. For example, the structure disclosed in Korean Patent Registration No. 1094499 can be applied. Is omitted.

Thereafter, the re-recognized checks are integrated in the check temporary accumulation unit (S6), the check printing is performed (S7), and the printing money is accumulated in the check deposit box 54 after printing (S8). That is, the check inserted in the other direction which has been reversed can be integrated in the check temporary accumulation unit in a state aligned in the same direction as the check inserted in one direction.

According to the proposed invention, it is possible to invert the check by ejecting the check to the media input / output unit without re-arranging the check for the reversal of the check, and then transferring the check again. Thus, the structure is simple, Can be prevented.

In addition, there is an advantage that the checks can be reversed without changing the configuration even in existing financial instruments.

In the above embodiment, the check reversal process is described as an example. However, the reversal target is not limited to the check but can be applied to the medium other than the check.

Also, in the above embodiment, it has been described that a check temporary accumulation unit is provided in the check deposit box. However, it is also possible that a check temporary accumulation unit is provided in a storage box other than the check deposit box, or the check temporary accumulation unit exists as a separate module outside the check deposit box It is possible.

In the above embodiment, the printing apparatus is provided inside the check deposit box. However, it is also possible that a printing apparatus is provided in a storage box other than the check deposit box, or the printing apparatus exists in the form of a separate module outside the check deposit box.

In the above embodiment, when the check is inserted in the other direction, the check is transferred to the media input / output unit for the reversal of the check. Alternatively, the check may be transferred to the paper currency temporary accumulation unit 30.

4, if it is determined that the check has not been input in one direction, that is, if it is determined that the check has been inserted in the other direction, the control unit transmits the check to the paper currency temporary accumulation unit 30 And the conveyance of the check is controlled so as to be conveyed (S4). Then, when the banknotes are temporarily accumulated in the banknote temporary accumulation unit 30, the banknotes and the check are temporarily accumulated together. Of course, if there are no banknotes in the banknote temporary accumulation unit 30, only checks are temporarily accumulated.

Next, when a customer's deposit processing command is inputted, the banknotes accumulated in the banknote temporary accumulation unit 30 are transferred to the banknote storage boxes 41, 42, 43 and stored in the banknote storage box. The check temporarily accumulated in the banknote temporary accumulating unit 30 is conveyed along the second conveying unit 21 and is reversed when it is conveyed to the first conveying unit 19. After the check is passed again through the discriminating unit 20, And is transferred to the accumulation section. That is, the check inserted in the other direction which has been reversed can be integrated in the check temporary accumulation unit in a state aligned in the same direction as the check inserted in one direction. The reversed check is then printed with the previously accumulated pre-stored checks and finally stored in the check deposit box 54. [

At this time, the bill temporary accumulating unit 30 adopts a first-in first-out (first-in first-out) structure so that the check transferred to the bill temporary accumulating unit 30 is reversed. That is, the banknote or check that is first drawn into the banknote temporary accumulation unit 30 may be drawn out from the banknote temporary accumulation unit 30.

On the other hand, if checks are taken out from the temporary accumulating unit 30 after the check is temporarily accumulated in the bill temporary accumulating unit 30, and it is necessary to collect due to a jam or a recognition error during the feeding process, May be stored in the first collection box (50).

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. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

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 scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

13: Media input / output unit 20:

Claims (11)

A media input / output unit through which a medium can be inserted or ejected;
A discriminating unit for recognizing an inserted medium;
A temporary accumulation unit in which the loaded medium can be temporarily accumulated; And
And a control unit for determining a position to which the medium is to be transferred according to a state of the medium discriminated by the discrimination unit,
Wherein the control unit controls the transport of the medium so that the medium is transported to the temporary accumulation unit when the medium is loaded in one direction and controls the transportation of the medium in the other direction Controls transfer of the medium so that the loaded medium is discharged to the medium entry / exit section,
Wherein the control unit controls the media transport so that the media is transferred to the temporary accumulation unit again after the reversed and brought-in medium is drawn out from the media input / output unit,
Wherein the reversed medium inserted in the other direction is integrated in the temporary accumulation unit while being aligned in the same direction as the medium inserted in the one direction. The method according to claim 1,
The unidirectional input medium in a steady state passing through the discrimination unit is transferred to the temporary accumulation unit,
And the other direction input medium in the steady state passing through the discrimination unit is emitted to the medium entry / exit unit. The method according to claim 1,
A first conveying unit connecting the media input / output unit and the discrimination unit,
And a second conveying unit for discharging the medium introduced into the other direction to the media input / output unit,
The medium is reversed in the process of transferring the medium from the first transfer unit to the second transfer unit,
And the second transfer unit is located above the first transfer unit. The method according to claim 1,
Further comprising a printing device for printing the media. A media input / output unit into which a plurality of kinds of checks and bills can be inserted or ejected;
A discriminating unit for recognizing the inserted check and paper money;
A first temporary accumulation unit for temporarily accumulating a check, which is the inserted first type of medium;
A second temporary accumulation unit in which paper money, which is the input second type medium, can be temporarily accumulated;
And a control unit for determining a position to which the medium is to be transferred according to a state of the medium discriminated by the discrimination unit,
Wherein the control unit controls the conveyance of the check so that the check is transferred to the first temporary accumulation unit when any one type of inserted check is inserted in one direction and controls the conveyance of the check in the other direction Controls the transfer of the check to be transferred to the first temporary accumulation unit again after the check inserted into the second temporary accumulation unit,
Wherein the checks inserted in the reversed direction are integrated in the first temporary accumulation unit in a state aligned in the same direction as the check inserted in one direction. 6. The method of claim 5,
The unidirectional input check in the steady state passing through the discrimination unit is transferred to the first temporary accumulation unit,
And the second directional check inserted in the steady state through the discrimination unit is transferred to the second temporary accumulation unit. delete 6. The method of claim 5,
And a collection box for collecting the check if it is necessary to collect the check that is discharged from the second temporary accumulation unit. delete delete delete

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