KR20130138509A - An apparatus for receving and dispensing banknotes/checks in atm and the operating method thereof - Google Patents

Abstract

The present invention relates to a check/bill depositing and withdrawing apparatus in a recycling ATM and an operating method thereof. More particularly, the check/bill depositing and withdrawing apparatus in the recycling ATM includes a single depositing and withdrawing unit which performs deposit or withdrawal by mixing checks and bills.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and a method for checking /

FIELD OF THE INVENTION The present invention relates to a check / banknote deposit / withdrawal apparatus and a method for operating a check / banknote deposit / withdrawal system in a reflux type automated teller machine, and more particularly, A contact image sensor (CIS) module for discriminating a check on a conveying path on which a check and a bill are conveyed, and a bill discriminating part for discriminating a bill from each other, A check only temporary storage unit and a bank note temporary storage unit that temporarily store the check and the banknote respectively until the transaction is confirmed, and even when the customer deposits the check and the banknote together through the deposit and withdrawal unit, the check reads the image through the CIS module, The banknotes are distinguished through the banknote discriminating part so that the discrimination can be made quickly. And when the payment transaction is confirmed by the customer, checks and bills stored in the check temporary storage section and the banknote temporary storage section are stored in the check cassette and the paper currency cassette, The present invention relates to a check / banknote deposit / withdrawal apparatus and a method of operating the check / bill deposit / withdrawal apparatus of a refundable automatic teller machine which can promptly perform the deposit processing of deposited checks and bills.

In general, an automated teller machine (ATM) is an automated device capable of assisting basic financial services such as depositing or withdrawing without regard to the time and place of the financial service, without bank staff, It is configured so that checks and cash can be automatically withdrawn using a medium such as a passbook or transactions such as deposits can be made.

Such a financial automation device can be extended and operated even after the closing of the bank window, and can be installed in a store such as a department store or a supermarket, so that the number of installed automation devices is increasing.

In addition, in recent years, in addition to financial automatic machines that process deposits and withdrawals of bills, financial automatic machines that can deposit and withdraw bills and checks at the same time are appearing, thereby enhancing convenience for customers' financial transactions.

The above-mentioned financial automation equipment includes a passbook processing unit and a card / specification sheet processing unit and supports financial transactions using a passbook or a card as a medium, and includes an input / output unit for displaying and inputting contents of a transaction, Deposit and withdrawal apparatus.

Here, the depositing and dispensing apparatus is a core component of a financial automation apparatus that requires a high-level discrimination recognition and processing technique for discriminating and storing a check mechanism and a banknote, and a check mechanism for conveying a check and a banknote.

1 is a view showing a banking automation apparatus according to the related art and a deposit and withdrawal apparatus provided therein.

As shown in FIG. 1, the conventional automated teller machine is provided with a check deposit / withdrawal portion 11 for inserting checks and a banknote deposit / withdrawal portion 21 for inserting banknotes, And a banknote conveying path for conveying banknotes are separately provided. Thus, the depositing and dispensing apparatus having a storage cassette is divided into a check-only deposit and withdrawal apparatus 10 and a banknote dispensing apparatus 20.

Therefore, when a customer using the automated teller machine deposits a check and a banknote at the same time, the check is input through the check deposit / withdrawal portion 11 and the banknote is input through the banknote deposit / withdrawal portion 21, Since the conveying path for conveying the check and the conveying path for conveying the banknote are separately provided, the manufacturing cost of the automated teller machine is increased and the size of the automated teller machine becomes larger.

The present invention has been conceived to solve the above problems, and it is an object of the present invention to provide a deposit and withdrawal apparatus for a refillable type automated teller machine, which comprises a single deposit and withdrawal unit capable of depositing or withdrawing checks and banknotes, A contact image sensor (CIS) module for discriminating a check on the conveying path, and a bill discriminating part for discriminating the banknote, and for checking only the checks and bills temporarily stored until the transaction is confirmed The temporary storage portion and the temporary banknote storage portion are provided so that the check is read out through the CIS module and the banknote is discriminated through the banknote discriminating portion even when the customer deposits the check and the banknote together through the deposit and withdrawal portion, And the discriminated checks and banknotes are stored in the check temporary storage section and the banknote temporary storage section, respectively, When the deposit transaction is confirmed by the customer, checks and bills stored in the check temporary storage section and the banknote temporary storage section are stored in the check cassette and the paper currency cassette so that the depositing process of the deposited checks and bills can be promptly It is aimed to provide a check / banknote deposit / withdrawal device and a method of operating the refillable automatic teller machine which can be carried out.

According to an aspect of the present invention, there is provided a check / banknote deposit / withdrawal apparatus for a check / banknote deposit / withdrawal apparatus of a refundable type automatic teller machine for depositing / withdrawing banknotes and checks, wherein the banknote to be deposited and / A deposit and withdrawal portion for discharging; A CIS module for reading an image of a bill and / or a check; A banknote discrimination unit for discriminating a banknote that has passed through the CIS module; A check exclusive temporary storage unit for temporarily storing the deposited check until the transaction is established; A temporary banknote storage part for temporarily storing the deposited banknotes until a transaction is established; A check cassette for storing checks; A plurality of banknote cassettes for accommodating banknotes per denomination; A reject box for collecting check or banknotes or checkable banknotes among check and banknotes discharged from the check cassette and the banknote cassette; And a conveying path for conveying the bill and the check to be deposited or withdrawn along a predetermined path.

As described above, according to the present invention, it is possible to simultaneously deposit and withdraw checks and banknotes through one deposit-and-withdrawal portion, thereby simplifying the internal structure of the automated teller machine, and improving the ease of use of the customer.

The CIS module and the bill discriminating part for discriminating the banknotes are provided on the conveying path on which the checks and banknotes are conveyed. The check and banknotes discriminated by the CIS module and the banknote discriminating part are temporarily And a temporary banknote storage unit. In the deposit counting process of the checks and banknotes deposited by the customer, the check is read out through the CIS module, and the banknotes are discriminated through the banknote discriminating unit It is possible to quickly distinguish the check and the banknote even when depositing the check and the banknote together. Thus, it is possible to promptly discriminate the check and the banknotes stored in the temporary storage unit for the check and the temporary storage unit for the bill, There is an effect that can be performed.

In addition, even in the process of depositing checks and banknotes, it is quickly stored as a check cassette and a banknote cassette provided with checks and banknotes stored in the check temporary storage section and the banknote temporary storage section, There is an effect that can be performed quickly.

1 is a view showing a banking automation apparatus according to the related art and a deposit and withdrawal apparatus provided therein
2 is a view schematically showing an internal configuration of a check / banknote depositing and dispensing apparatus of a reflux type automated teller machine according to an embodiment of the present invention;
3 is a view showing an operating state at the time of deposit counting of the check / banknote depositing and dispensing apparatus according to the present embodiment
FIGS. 4 and 5 are views showing the operation state of the check / banknote depositing and dispensing apparatus according to the present embodiment upon returning of rejected checks and paper money
6 and 7 are diagrams showing an operating state of the check / banknote depositing and dispensing apparatus according to the present embodiment when the deposit is stored.
FIG. 8 is a view showing the operation state of the check / invert and check in the check / banknote depositing / dispensing apparatus according to the present embodiment
Figs. 9 and 10 are diagrams showing an operating state of the check / banknote depositing and dispensing apparatus according to the present embodiment upon withdrawal transaction

Hereinafter, the embodiments of the present invention will be described in detail, but the present invention is not limited to the following embodiments unless they depart from the gist of the present invention.

2 is a schematic view illustrating an internal configuration of a check / banknote depositing and dispensing apparatus of a reflux type automated teller machine according to an embodiment of the present invention.

Referring to FIG. 2, the check / bank note depositing and dispensing apparatus of the reflux type automated teller machine according to the embodiment of the present invention includes a deposit / withdrawal portion 110 for discharging a bill to be deposited and / or a check, A CIS module 120 for reading images of bills and / or checks to be input, a banknote discriminating part 130 for discriminating banknotes having passed through the CIS module 120, A check only temporary storage unit 140 for temporarily storing the bill until the time when a transaction is established, a temporary bill storage unit 150 for temporarily storing the deposited bill until the transaction is established, a check cassette 160 for storing the check, A plurality of bill cassettes 170 for accommodating the bill cassettes 170 and the banknote cassettes 170 in the check cassette 160 and the banknote cassettes 170 and check boxes or banknotes among the checks and banknotes discharged from the check cassettes 160 and the banknote cassettes 170, 180, and a banknote to be deposited or withdrawn It is configured, including 190, the conveying path for conveying along a path defined a check.

That is, the present invention as described above is a check / bank note deposit / withdrawal apparatus having a single deposit / withdrawal portion capable of depositing or withdrawing a check and a banknote in a mixed manner, A contact image sensor module (hereinafter, referred to as a CIS module) and a bill discriminating part for discriminating a banknote, and for temporarily storing checks and bills distinguished through the CIS module and the banknote discriminating part, The bill is read out through the CIS module and the bill is discriminated through the bill discriminating part so that the bill can be promptly discriminated by the bill accepting part And the discriminated checks and banknotes are stored in the check temporary storage section and the bill temporary storage section respectively, When the check has been so that the checks and bills accommodated in the housing can check only temporary and bills only temporary housing can quickly perform the depositing process of being accommodated by check cassette and banknote cassette, the mixture is deposited checks and bank notes.

Hereinafter, the configuration of a check / banknote depositing / dispensing apparatus of a reflux type automated teller machine according to an embodiment of the present invention will be described in detail. The deposit / withdrawal unit 110 conveys a check and / And releases the withdrawal check and / or the withdrawn banknotes flowing through the withdrawal-time return path 190, and provides it to the customer.

The CIS module 120 is a device capable of scanning and reading an image of a medium passing through the conveying path 190 and scanning an image of a medium (check or banknote) conveyed through the conveying path 190, And transmits the image reading result to the paper currency discrimination unit 130. [

In other words, the CIS module 120 determines whether or not the image for the area in which the characteristic-specific image of the check is printed, such as a specific area of the medium (check or banknote) to be returned, And transmits the readout result to the bill discrimination unit 130. [

The bill discriminating unit 130 discriminates whether the medium conveyed according to the image reading result of the medium (check or banknote) transmitted from the CIS module 120 is a check or a bill, and if the check is a check, Information, and the like, to the upper control unit (not shown), and if the bill is a bill, the image of the bill is read and distinguished.

At this time, the upper control unit (not shown) determines whether the check is normal based on the check information such as the unique number and amount information of the check sent from the bill discriminating unit 130.

The bill discriminating unit 130 includes sensors such as a length detecting sensor, an image sensor, and a two-sheet detecting unit, and discriminates whether or not two sheets of the medium (check or banknote) conveyed through the CIS module At the same time, if the medium to be transported is a banknote, it is determined whether the banknote is genuine, denominated, or damaged, and the result is transmitted to an upper controller (not shown).

At this time, a high resolution of about 100 dpi to 200 dpi is required to correctly read the unique number printed on the check, the amount of money, etc. Accordingly, the CIS module 120 of the present embodiment scans and reads the image of the check at a resolution of 200 dpi . In addition, since it is possible to perform a sufficient discrimination even at a low resolution of about 30 dpi to 70 dpi in distinguishing the banknotes, the banknote discriminating unit 130 of this embodiment scans and reads images of banknotes at a resolution of 50 dpi.

At this time, the discrimination processing speed through the CIS module 120 and the paper currency discrimination part 130 is processed to 12 pieces per second for both checks and banknotes, so that rapid discrimination can be performed.

In other words, in the check and the bill discrimination, a check requiring reading of a high-resolution image is read out through the high-speed scanning using the monochromatic light in the CIS module 120, and the bills capable of reading an image with a relatively low resolution, The image is read through the storage unit 130, so that even if the customer deposits checks and banknotes in a mixed manner, rapid discrimination can be performed.

On the other hand, the check exclusive temporary storage unit 140 stores the check, which is deposited and temporarily discriminated by the CIS module 120 and the banknote discriminating unit 130, until the deposit transaction is established, and the checked check is sequentially stored in the drum The check is wound up on the drum in order and stored. When the deposit transaction is established by the consent of the customer, the check wound on the drum is conveyed in the order of the deposit 190).

In addition, the paper currency temporary storage unit 150 temporarily stores the paper money deposited and discriminated by the paper currency discrimination unit 130 as the normal paper currency until the deposit transaction is established. Here, the temporary paper currency storage unit 150 of the present embodiment is configured as a stack system in which bills are stacked through a plurality of rollers and guides. However, as another embodiment of the paper currency temporary storage unit 150 And a drum type in which the banknotes to be conveyed are wound around a drum.

In the case where the temporary banknote storage part is configured in a stacked manner as in the present embodiment, when deposited banknotes are stored and loaded, and when the banknote transaction is confirmed by the customer's consent, And discharges the banknotes to the conveying path 190 side.

The check cassette 160 is a storage space in which a check is stored. The check cassette 160 prints deposit confirmation information such as account information, branch information, and deposit date on the deposit check, and also records withdrawal information such as account information, branch information, A check printing unit 161 for printing confirmation information, a check deposit unit 162 for storing deposit checks, and a check money dispensing unit 163 for storing dispensed checks.

In other words, the deposit check discriminated by the normal check (not shown) through the upper control unit (not shown) is stored in the check deposit unit 162 after the deposit confirmation information is printed through the check printing unit 161 in the check deposit process, The checks discharged from the check withdrawal unit 163 at the time of check withdrawal are output to the deposit and withdrawal unit 110 via the bill discrimination unit 130 and the CIS module 120 after the withdrawal confirmation information is printed through the check printing unit 161 .

The banknote cassette 170 is a storage space for storing banknotes. The banknote cassette 170 stacks the deposited banknotes discriminated as normal banknotes by distinguishing the banknote discrimination unit 130, 130 and the CIS module 120 to the deposit / withdrawal portion 110 to perform a reflux function.

The reject box 180 accommodates checks and / or bills superimposed on two pieces of check and paper money discharged from the check cassette 160 and the paper currency cassette 170 in the process of withdrawing checks and banknotes, or bills that are intensely damaged.

The conveying path 190 extends from the deposit-and-withdrawal part 110 through the CIS module 120 and the paper currency discrimination part 130 and sequentially connected to the plurality of paper currency cassettes 170 and the check cassette 160, And is connected to the check temporary storage section 140 and the paper currency temporary storage section 150 by branching at one point between the check cassette 160 and the reject box 180 arranged to be arranged.

The conveyance path 190 is branched at one point between the check cassette 160 and the reject box 180 and is connected to the reject box 180 in the direction opposite to the temporary storage section, And a reject conveying path 195 is formed.

The reject conveying path 195 is a conveying path for conveying a banknote, two stacked check or banknote, a counterfeit banknote, a banknote or a banknote which is damaged through the CIS module 120 and the banknote discriminating part 130 in the process of depositing through the depositing / The check cassette 160 or the paper currency cassette 170. In the process of withdrawing through the check cassette 160 or the paper currency cassette 170, the check and / And transported to the jet box 180.

The conveyance path 190 includes a first conveying path 191 that is sequentially connected to the CIS module 120 and the paper currency discrimination unit 130 through the deposit and withdrawal unit 110, A second conveying path 192 which is sequentially connected to the plurality of banknote cassettes 170 and the check cassette 160 from the conveying path 130 and is connected to the end of the second conveying path 192 located on the check cassette 160 side, A third conveying path 193 connected to the check temporary storage section 140 and the banknote temporary storage section 150 while proceeding from the first conveying path 191 and the third conveying path 193, And a third conveying path 193 connected to the third conveying path 193 to connect the end of the second conveying path 192 and the third conveying path 193 and connected to the reject box 180 to form a predetermined path And a reject conveying path 195 extending therefrom.

Here, the first switching gate 201 is provided at a position where the third conveying path 193 and the fourth conveying path 194 are connected to each other, and the second conveying path 192, the third conveying path 193, The second check gate 202 is provided at the point where the object conveying paths 195 are connected to each other and the check temporary storage section 140 and the bank note temporary storage section 150 are provided in the third conveying path 193, The third switching gate 203 is also provided.

The first, second, and third switching gates 201, 202, and 203 are configured to be switched in two directions, thereby switching the path of the medium.

Hereinafter, an operation process of the check / banknote depositing and dispensing apparatus will be described based on the configuration of FIG.

3 is a view showing an operating state of the check / banknote depositing and dispensing apparatus according to the present embodiment in the deposit counting mode.

3, checks and banknotes deposited in the deposit / withdrawal unit 110 by the customer are conveyed along the first conveyance route 191 and conveyed to the CIS module 120, And the bill discriminating portion 130, the discrimination between the bill and the check is progressed.

That is, in the process of discriminating a check and a banknote, the CIS module 120 scans the checks and bills conveyed through the first conveying path 191 at a high resolution, The bill discriminating unit 130 determines whether the medium conveyed according to the read out result of the medium transmitted from the CIS module 120 is a check or a bank note, The identification number and the amount information of the check read out from the check are transmitted to the upper control unit (not shown) in order to distinguish whether the check is normal or not, and if the bill is a bill, the image of the bill is read, Discriminate the breed.

In addition, the bill discrimination unit 130 discriminates whether two checks or bills that have passed through the CIS module 120 are overlapped.

At this time, the CIS module 120 of the present embodiment scans and reads an image of the medium at a resolution of 200 dpi, and the bill discriminating unit 130 reads the image of the bill at a resolution of 50 dpi. Accordingly, in the present invention, a maximum of 12 checks and bills can be distinguished per second.

The checks and bills discriminated as normal by the CIS module 120 and the banknote discriminating part 130 are conveyed along the second conveying path 192 and the third conveying path 193 and conveyed to the third switching gate 203, The check is stored in the check temporary storage unit 140, and the banknote is stored in the banknote temporary storage unit 150. On the other hand, the checks and / or bills that are overlapped or discriminated as abnormal are conveyed along the second conveying path 192 and conveyed along the second conveying path 192 and the third conveying path 193 provided at the connection point between the second conveying path 192 and the third conveying path 193 2 switching gate 202 to the reject conveying path 195 and temporarily held.

In the deposit counting process, 12 checks / bills can be discriminated through the CIS module 120 and the banknote discriminating part 130, so that the counting speed can be processed to 12 pieces per second for both checks and banknotes.

Meanwhile, when the counting process of the normal and right withdrawals is completed among the checks and bills inputted by the customer through the deposit counting process as described above, the input and output units provided in the automated teller machine It will notify the customer of the deposit details, return the reject checks and / or bills held in the reject buggy to the customer according to the return procedure, request re-payment for the returned amount, The checks and bills stored in the check temporary storage section and the temporary paper storage section are returned to the check cassette and the paper currency cassette, respectively.

FIGS. 4 and 5 are views showing the operational state of the check / bill deposit and withdrawal apparatus according to the present embodiment upon returning of rejected checks and paper money.

4, the checks and / or banknotes held in the reject conveying path 195 in the deposit counting process pass through the second switching gate 202, and are then conveyed to the second conveying path 192 and the first conveying path 192, And is returned to the customer through the deposit-and-withdrawal unit 110.

As shown in FIG. 5, among the checks stored in the check temporary storage unit 140, which are discriminated as normal checks through the CIS module 120 and the paper currency discrimination unit 130, discrimination of the upper control unit (not shown) If there is an abnormal check, that is, a check that is discriminated from a forged check or a stolen check, the check is stopped and all checks stored in the check exclusive temporary storage unit 140 are returned to the customer.

In this case, all the checks stored in the check temporary storage section 140 pass through the second switching gate 202 along the third conveying path 193, and then pass through the second conveying path 184 and the first conveying path 191 and is returned to the customer through the deposit / withdrawal unit 110.

At this time, the banknote stored in the banknote temporary storage unit 150 can be deposited according to the consent of the customer.

FIGS. 6 and 7 are views showing an operating state of the check / banknote depositing and dispensing apparatus according to the present embodiment when depositing the deposit.

After the return process of the rejected checks and bills is completed, if the customer confirms the payment transaction, the checks and banknotes stored in the check temporary storage section 140 and the bill temporary storage section 150 are transported The check cassette 160 and the paper currency cassette 170. [

6 and 7, the normal check and the normal banknotes stored in the check temporary storage unit 140 and the banknote temporary storage unit 150, respectively, are sequentially transferred to the third conveying path 193, Along the fourth conveyance path 194, the first conveyance path 191 and the second conveyance path 192 and stored in the check cassette 160 and the paper currency cassette 170. [

In order to increase the storage efficiency, the banknotes of the temporary banknote storage part 150 are first conveyed and stored in the banknote cassette 170, and then the check temporary storage part 140 The check is carried and stored in the check cassette 160.

The reason for this is that in the process of storing the check in the check cassette 160, the deposit confirmation information is printed on the surface of the check, that is, the face on which the check image is displayed. At this time, It is desirable to carry out the storage of the check later for this purpose.

6, the bills stacked on the temporary paper storage section 150 are separated by a plurality of rollers and conveyed through the third conveyance path 193 and the second conveyance path 193, Is conveyed along the fourth conveying path 194, the first conveying path 191 and the second conveying path 192 after passing through the first switching gate 201 and passing through the banknote discriminating part 130, And is stored in the corresponding paper currency cassette 170. [

7, the checks wound on the drum of the check temporary storage section 140 in the order of depositing are sequentially passed through the third conveying path 193 and the first switching gate 201, Is conveyed along the conveying path 194, the first conveying path 191 and the second conveying path 192 and passes through the CIS module 120 and the banknote discriminating part 130 and is stored in the check cassette 160. At this time, the CIS module 120 and the paper currency discrimination part 130 may discriminate the check again.

The check stored in the check cassette 160 is deposited and stored in the check deposit unit 162 after the deposit confirmation information is printed through the check printing unit 161 of the check cassette 160. [

As described above, the storage processing speed in the process of storing receipts of checks and banknotes can be stored in the check printing unit 161 after being printed and stored in the check printing unit 161. In the case of banknotes, It is possible to store bills of paper.

On the other hand, when the deposit confirmation information is printed on the check through the check printing unit, the printing is performed on the surface of the check, that is, the surface on which the check image is displayed. Checks deposited on the back side will be reversed before being stored in the check cassette.

FIG. 8 is a view showing an operation state of the check / invert and check in the check / banknote depositing and dispensing apparatus according to the present embodiment.

2) and the banknote discriminating unit 130 (see FIG. 2) when there is a check which is deposited on the back of the check deposited by the customer in the deposit counting process of the check and banknote and needs to be inverted. ) In the process of discriminating between checks and bills.

Thereafter, the checks and bills discriminated as normal are stored in the check temporary storage unit 140 and the banknote temporary storage unit 150, respectively, as in the above-mentioned deposit storage process, and transactions are established by the approval of the customer, The banknotes stored in the temporary banknote storage unit 150 (see FIG. 2) are transported and stored in the banknote cassette 170 (see FIG. 2).

Next, the checks stored in the check temporary storage section 140 are carried and stored in the check cassette 160 (see Fig. 2). In this process, as shown in Fig. 8A, Checks that are sequentially discharged from the dedicated temporary storage unit 140 and are not required to be reversed are conveyed to the third conveying path 193 and conveyed to the check cassette 160 (see FIG. 2) And temporarily transported to the banknote temporary storage section 150 through the third switching gate 203 and temporarily stored.

8 (b), when the checks of the check temporary storage section 140 are all discharged through the above-described process, the checks are temporarily stored in the paper currency temporary storage section 150, (See FIG. 2) by discharging the recording medium to the third conveying path 193 through the third switching gate 203, and then transferring the recording medium to the check cassette 160 (see FIG. 2).

FIGS. 9 and 10 are diagrams showing an operating state of the check / banknote depositing and dispensing apparatus according to the present embodiment during a withdrawal transaction.

9 and 10, when a customer requests withdrawal, checks and bills respectively stored in the check cassette 160 and the paper currency cassette 170 are conveyed to the second conveyance path 192 and the first conveyance path 191 and is withdrawn through the deposit-and-withdrawal unit 110. [

9, when the banknotes are withdrawn, the banknotes to be withdrawn are discharged from the respective banknote cassettes 170 according to withdrawal requests, and are conveyed along the second conveying path 192 to be conveyed to the banknote discriminating unit 130 The bill discriminated by the bill discrimination unit 130 as a normal bill is conveyed to the deposit and withdrawal unit 110 along the first conveyance route 191 and is provided to be receivable by the customer, The damaged or overlapped banknotes are conveyed along the fourth conveying path 194 and conveyed to the reject conveying path 195 via the third conveying path 193 through the first switching gate 201, And stored in the jug box 180 separately.

10, when the check is withdrawn, the withdrawal check is discharged from the check withdrawal unit 163 of the check cassette 160 according to the withdrawal request details, and the withdrawn check is sent to the check cassette 160 The cash receipt confirmation information is printed through the printing unit 161 and then is conveyed along the second conveyance path 192 to pass through the paper currency discrimination unit 130 and the CIS module 120, The check determined as a normal check as a result of the check discrimination is conveyed to the deposit and withdrawal section 110 along the first conveyance path 191 and provided to the customer so that the check can be received. Conveyed to the reject conveying path 195 via the third conveying path 193 through the first switching gate 201 and stored in the reject box 180 and stored separately.

The withdrawal processing speed of the banknote at the time of the withdrawal transaction of the banknote and check is processed to 12 pieces per second and the check is printed through the check printing unit 161 so that the withdrawal processing speed of the check is 3 Is processed.

According to the present invention as described above, check and banknotes can be deposited or withdrawn at the same time through one deposit / withdrawal portion, so that the internal structure of the financial automatic machine can be simplified, and the convenience of the customer can be improved.

The CIS module and the bill discriminating part for discriminating the banknotes are provided on the conveying path on which the checks and banknotes are conveyed. The check and banknotes discriminated by the CIS module and the banknote discriminating part are temporarily And a temporary banknote storage unit. In the deposit counting process of the checks and banknotes deposited by the customer, the check is read out through the CIS module, and the banknotes are discriminated through the banknote discriminating unit It is possible to quickly distinguish the check and the banknote even when depositing the check and the banknote together. Thus, it is possible to promptly discriminate the check and the banknotes stored in the temporary storage unit for the check and the temporary storage unit for the bill, There is an effect that can be performed.

In addition, even in the process of depositing checks and banknotes, it is quickly stored as a check cassette and a banknote cassette provided with checks and banknotes stored in the check temporary storage section and the banknote temporary storage section, There is an effect that can be performed quickly.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined by the appended claims. .

110: Depositor 120: CIS module
130: Paper currency discrimination unit 140:
150: Temporary storage unit for paper currency only 160: Check cassette
161: Check printing part 162: Check deposit part
163: Check withdrawal portion 170: Banknote cassette
180: Reject box 190:
191: First conveying path 192: Second conveying path
193: Third conveying route 194: Fourth conveying route
195: reject conveying path 201: first switching gate
202: second switching gate 203: third switching gate

Claims (17)

1. A check / banknote deposit / withdrawal apparatus for a refundable automated teller machine for depositing and withdrawing bills and checks,
A deposit and withdrawal portion for receiving a bill to be deposited and / or a check received or for withdrawing the bill and / or a check;
A CIS module for reading an image of a bill and / or a check;
A banknote discrimination unit for discriminating a banknote that has passed through the CIS module;
A check exclusive temporary storage unit for temporarily storing the deposited check until the transaction is established;
A temporary banknote storage part for temporarily storing the deposited banknotes until a transaction is established;
A check cassette for storing checks;
A plurality of banknote cassettes for accommodating banknotes per denomination;
A reject box for collecting check or banknotes or checkable banknotes among check and banknotes discharged from the check cassette and the banknote cassette;
A conveying path for conveying the banknotes and checks to be deposited or withdrawn along a predetermined path;
Wherein the check / banknote deposit / withdrawal device of the refillable type automatic teller machine.
The method according to claim 1,
The CIS module comprises:
Scanning an image of the inserted check and / or paper money to transmit an image reading result of a specific area of the check and / or paper money to the paper money discriminating part,
The banknote discrimination unit,
Wherein the cash dispenser determines whether the input medium is a check or a bill according to an image reading result transmitted from the CIS module.
The method according to claim 1,
The CIS module comprises:
The image of the check and / or the bill is scanned and read out at a resolution of 100 dpi to 200 dpi,
The banknote discrimination unit,
And the image of the banknote is scanned and read at a resolution of 30 dpi to 70 dpi.
3. The method of claim 2,
The banknote discrimination unit,
If the inserted medium is discriminated as a check, the check information read out from the check is transmitted to the upper controller,
The high-
Wherein said checking means determines whether said check is normal based on check information of said check sent from said bill discriminating portion.
The method according to claim 1,
The banknote discrimination unit,
Check / banknote deposit / withdrawal device of a reflux type automatic teller machine which specifies whether authenticity of a deposited banknote, whether it is a coin type, whether it is two coin, and a damage status.
The method according to claim 1,
The check-only temporary storage unit,
And a drum type in which the checks to be carried are wound on a drum in order and stored, and the check wound on the drum is taken out in the order in which the check is taken out when the check is taken out. Check / banknote deposit / withdrawal device.
The method according to claim 1,
The temporary banknote storage part includes:
Wherein the banknotes are stacked in a stacked manner by stacking banknotes through a plurality of rollers and guides and separating the banknotes in units of sheets by the plurality of rollers when the banknotes are taken out. Banknote deposit / withdrawal device.
The method according to claim 1,
The check cassette includes:
A check printing unit that prints the deposit confirmation information on the deposit check and prints the withdrawal confirmation information on the withdrawal check;
A check deposit unit for receiving the deposit check;
Check withdrawal department to store withdrawal checks;
Wherein the check / banknote deposit / withdrawal device of the refillable type automatic teller machine.
The method according to claim 1,
The conveying path includes:
A first conveying path which is sequentially connected to the CIS module and the bill discriminating part from the deposit and withdrawal part;
A second conveying path which is progressed from the bill discriminating portion and sequentially connected to the plurality of banknote cassettes and the check cassettes;
A third conveying path which is connected to the check temporary storage section and the banknote temporary storage section from the end of the second conveyance path;
A fourth conveying path connecting the first conveying path and the third conveying path;
A reject conveying path extending from a point where the end of the second conveying path is connected to the third conveying path and connected to the reject box to form a predetermined path;
Wherein the check / banknote deposit / withdrawal device of the refillable type automatic teller machine.
10. The method of claim 9,
The conveying path includes:
A first switching gate is provided at a point where the third conveying path and the fourth conveying path are connected, and a second switching gate is provided at a point where the second conveying path, the third conveying path, and the reject conveying path are mutually connected And a third switching gate is provided at a position where the check temporary storage section and the paper currency temporary storage section are branched in the third conveying path,
The first, second, and third switching gates include:
Wherein the control unit is configured to be switched in two directions to switch the movement path of the check and / or paper money.
A method for operating a check / banknote deposit / withdrawal apparatus provided in a reflux-type automated teller machine,
Receiving a check and / or a banknote through the deposit / withdrawal portion;
Conveying the deposited check and / or banknotes sequentially through the CIS module and the banknote discriminating portion;
Reading the image of the check and / or the banknote through the CIS module, and transmitting the readout result to the banknote discriminating part;
Discriminates whether or not two copies of a check and / or a bill that have passed through the CIS module have been overlapped through the paper currency discrimination unit, discriminates whether the medium conveyed according to the readout result transmitted from the CIS module is a check or a paper currency, If the check is a check, the check information is transmitted to the upper control unit; if the bill is a bill, the image of the bill is read to discriminate the damaged state, the authenticity and the denomination;
Determining whether the check is normal based on the check information transmitted from the bill discrimination unit in the upper control unit;
Storing the check discriminated as the normal banknote in the check temporary storage section and storing the banknote discriminated as the normal banknote in the banknote temporary storage section;
A check and / or a bill discriminated as an abnormal rejection right is conveyed to the reject conveying route and held and held;
A step of informing the customer of the deposit details of the normal right and the reject right and returning the check and / or paper money held in the reject conveying route to the customer through the deposit and withdrawal unit;
Separating the banknotes stored in the banknote temporary storage compartment for each denomination and storing the banknotes in a plurality of banknote cassettes and storing the checks stored in the check temporary storage compartments in the check cassettes in accordance with the customer's deposit transaction confirmation;
Wherein the check / banknote deposit / withdrawal device operation method of the refillable type automatic teller machine is provided.
12. The method of claim 11,
The method of determining whether a check is made through the CIS module and the paper currency discrimination unit comprises:
Scanning the image of the check and / or the banknote through the CIS module to transmit the image reading result of the specific area of the check and / or the banknote to the banknote discriminating part,
Wherein the bill discriminating section discriminates whether the medium conveyed according to the image reading result of the check region and / or the banknote transmitted from the CIS module is a check or a bill or not. Method of operating a banknote deposit / withdrawal apparatus.
12. The method of claim 11,
If there is a check distinguished from the discrimination result of the upper control section by the abnormality check among the checks discriminated by the check from the bill discriminating section and conveyed to the check temporary storage section,
And stopping the check transaction, and returning all checks stored in the check-only temporary storage section to the customer.
12. The method of claim 11,
The banknotes stored in the banknote temporary storage section are housed in a plurality of banknote cassettes and the check stored in the check temporary storage section is stored in the check cassette,
The banknotes stored in the temporary paper currency storage section are first transported and stored in the paper currency cassette and then the check stored in the temporary storage section for the check is transported and stored in the check cassette to sequentially store the paper currency and the check A method for operating a check / banknote deposit / withdrawal device of a reflux type automated teller machine.
15. The method of claim 14,
In the step of storing the check stored in the check temporary storage unit with the check cassette,
Wherein the check / inversion process is carried out for the check which requires the inversion of the front and back in the process of returning the check stored in the temporary check storage unit.
16. The method of claim 15,
The method for performing the inversion of the check of the check includes:
In the process of returning the check stored in the check temporary storage section, the check which does not require the inversion is returned to the check cassette directly through the conveying path,
The check requiring reversal of the front and back sides is conveyed to the temporary paper currency collecting section for temporarily storing the check, and after the check stored in the temporary check exclusive storage section is discharged, the check which is temporarily stored in the paper currency temporary storage section is required again Wherein the controller performs the front / back reversal through a process of conveying the check / cassette along the conveying path to the check cassette.
12. The method of claim 11,
The check count processing speed at the step of discriminating the check deposited through the deposit-and-withdrawal unit and storing it in the temporary check acceptance unit for check,
Wherein the check receipt and payment apparatus operation method of the refillable type automated teller machine is characterized in that after the receipt transaction of the customer is confirmed, the check stored in the check only temporary storage unit is relatively faster than the check receipt processing speed at the stage of storing the check stored in the check cassette .

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