KR20240068100A - Intelligent Point of Cash management Device and ATM - Google Patents

Abstract

An intelligent automatic settlement device according to one aspect includes a POS system that manages the sales amount of goods and the quantity or price of goods within a retail store; An entry/exit section into which the sales price of goods within the retail store can be input; A discrimination unit that distinguishes banknotes input from the deposit/exit unit; a retail store owner cassette in which bills representing the sales price of the goods that have passed through the identification unit or bills input by the retail store owner are stored; and a financial institution cassette in which a deposit transaction with a financial institution proceeds normally and banknotes transferred from the retail store owner cassette are stored.

Description

Intelligent automatic settlement device {Intelligent Point of Cash management Device and ATM}

This specification relates to an intelligent automatic settlement device.

Regarding business activities that involve the exchange of goods or services at retail stores, product inventory and cash receipts and withdrawals are managed through POS (Point of Sales) devices, etc., and sales proceeds are received and settled.

In conventional retail stores, cash is stored in separate POS machines, cashiers, safes, etc., and in this case, the ownership of the cash is held by the retail store owner.

After business ends or during a specific period the next day, the settlement is made, and the retail store owner goes directly to a nearby bank or ATM with the settled cash and deposits it into the store owner's bank account. Alternatively, a separate cash transport company can transport cash to the bank instead, and transporting cash may take time and cost.

A prior document, Japanese Patent Application Laid-Open No. 2018-151809, discloses a change machine capable of depositing cash received from a customer at a store and withdrawing change returned to the customer, and a change machine capable of depositing cash and withdrawing change returned to the customer at the store. A money handling system is disclosed, comprising an automatic cash dispenser capable of executing and a storage cassette capable of storing and withdrawing banknotes, wherein the storage cassette is removable from the change machine and simultaneously removable from the automatic cash dispenser.

In the case of prior literature, it is disclosed that stores use a common storage cassette to facilitate the transfer of cash to the retail store owner, but even in this case, the retail store owner has to first separate the storage cassette from the change machine and then install it in the automatic cash dispenser, which is inconvenient. There is a security vulnerability.

This embodiment provides an intelligent automatic settlement device that changes the ownership of cash or manages cash between a bank or VAN and a retail store owner within the device in real time without moving the cash outside the device.

This embodiment provides an intelligent automatic settlement machine that allows individuals to deposit or withdraw cash from a bank through a settlement machine in a retail store without visiting the bank.

An intelligent automatic settlement device according to one aspect includes a POS system that manages the sales amount of goods and the quantity or price of goods within a retail store; An entry/exit section into which the sales price of goods within the retail store can be input; A discrimination unit that distinguishes banknotes input from the deposit/exit unit; a retail store owner cassette in which bills representing the sales price of the goods that have passed through the identification unit or bills input by the retail store owner are stored; and a financial institution cassette in which a deposit transaction with a financial institution proceeds normally and banknotes transferred from the retail store owner cassette are stored.

Banknotes withdrawn from the retail store cassette may be transferred to the financial institution cassette after passing the identification unit.

When a user inputs banknotes into the deposit/withdrawal unit to deposit banknotes into an account at the financial institution, the inserted banknotes may be transferred to the financial institution cassette after passing through the identification unit, thereby completing the user's deposit transaction.

The retail store owner enters a withdrawal processing command to withdraw banknotes from the financial institution's account, and when the withdrawal transaction with the financial institution proceeds normally, banknotes equal to the withdrawal request amount are withdrawn from the financial institution cassette, and the withdrawn banknotes are After passing the identification unit, it may be transferred to the retail store cassette.

When a user enters a withdrawal processing command to withdraw banknotes from an account at the financial institution, and the withdrawal transaction with the financial institution proceeds normally, banknotes equal to the withdrawal request amount are withdrawn from the financial institution cassette, and the withdrawn banknotes are After passing the discrimination unit, it may be transferred to the entry/exit unit.

When a user inputs banknotes into the deposit/withdrawal unit to deposit banknotes into an account at the financial institution, but the financial institution cassette is full and additional banknotes cannot be inserted, the inserted banknotes are transferred to the retail store owner's cassette after passing through the identification unit. In addition, during the deposit transaction process, information that the amount deposited by the user is stored in the retailer's cassette may be transmitted to the financial institution's server.

When there is space in the financial institution cassette to store the amount of money deposited by the user, the amount can be transferred from the retailer's cassette to the financial institution cassette.

Alternatively, in the course of a later deposit transaction for the retail store owner, bills equivalent to the corresponding amount may be additionally transferred from the retail store owner's cassette to the financial institution's cassette.

If the user enters a withdrawal processing command to withdraw banknotes from the financial institution's account, but there are no banknotes in the financial institution's cassette or an amount less than the requested withdrawal amount is stored, withdrawal with the financial institution If the transaction proceeds normally, banknotes equal to the withdrawal request amount may be withdrawn from the retailer's cassette. Alternatively, the entire amount stored in the financial institution cassette may be withdrawn, and bills equal to the difference between the withdrawal request amount and the amount withdrawn from the financial institution cassette may be withdrawn from the retailer's cassette and transferred to the deposit/withdrawal unit. During the withdrawal transaction process, information that the banknote stored in the retailer's cassette has been withdrawn may be transmitted to the financial institution's server.

During the withdrawal transaction process, a transfer is made equal to the amount withdrawn from the financial institution to the retailer's account, or later, during the deposit transaction process, if a deposit of an amount greater than the amount withdrawn from the retailer's cassette is requested by the user, Banknotes equal to the difference are transferred to the retail store owner's cassette, or later, in the process of a deposit transaction, if an amount greater than the amount withdrawn from the retail store owner's cassette is requested to be deposited by the retail store owner, bills for the amount excluding the difference are transferred to the store owner's cassette. It can be transferred from the retail store cassette to the financial institution cassette.

The financial institution cassette and the retailer cassette are placed in a single safe, or the retailer cassette is placed in a safe inside the settlement machine, and the financial institution cassette is placed in a separate module outside the settlement machine and the financial institution The cassette and the retailer's cassette may be connected to enable media transfer.

According to the proposed embodiment, there is an advantage of being able to change ownership of cash or manage cash between a bank or VAN and a retail store owner inside the device in real time without moving the cash outside the device. Therefore, there is no need to use a separate cash transfer company, which has the advantage of reducing costs.

In addition, users can deposit cash into their bank accounts through automatic settlement machines located at retail stores, which eliminates the inconvenience of having to visit the bank from the user's perspective, and from the retail store owner's perspective, it eliminates the need for users to use the settlement machines. Since the number of visits increases, there is an advantage in that the number of people flowing through the retail store increases.

Additionally, depending on the contract with the bank, the retail store owner may receive a management fee for managing the bank cassette.

In addition, in the case of financial institutions, the same effect as installing a branch in a retail store can be achieved without installing a separate branch, and there is an advantage of not having to install a separate ATM (automated teller machine).

1 is a diagram schematically showing an intelligent automatic settlement device according to an embodiment of the present invention.
Figure 2 is a flowchart illustrating a deposit transaction process in an automatic settlement machine according to an embodiment of the present invention.
Figure 3 is a diagram showing media transfer between cassettes during a deposit transaction.
Figure 4 is a diagram showing media transfer between cassettes during a deposit transaction process according to another embodiment of the present invention.
Figure 5 is a diagram showing the process of a user depositing cash into an automatic settlement machine according to an embodiment of the present invention.
Figure 6 is a diagram showing media transfer between cassettes during a withdrawal transaction process.
Figure 7 is a diagram showing media transfer between cassettes during a withdrawal transaction process according to another embodiment of the present invention.
Figure 8 is a diagram showing the process of a user withdrawing cash from an automatic settlement machine according to an embodiment of the present invention.
Figure 9 is a diagram schematically showing the automatic settlement machine of a retail store owner and the settlement process of an agency according to another aspect.

Hereinafter, some embodiments of the present invention will be described in detail through illustrative drawings. When adding reference numerals to components in each drawing, it should be noted that identical components are given the same reference numerals as much as possible even if they are shown in different drawings. Additionally, when describing embodiments of the present invention, if detailed descriptions of related known configurations or functions are judged to impede understanding of the embodiments of the present invention, the detailed descriptions will be omitted.

Additionally, 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 only used to distinguish the component from other components, and the nature, sequence, or order of the component is not limited by the term. When a component is described as being “connected,” “coupled,” or “connected” to another component, that component may be directly connected or connected to that other component, but there is no need for another component between each component. It should be understood that may be “connected,” “combined,” or “connected.”

Figure 1 is a diagram schematically showing an intelligent automatic settlement machine according to an embodiment of the present invention.

Referring to FIG. 1, the intelligent automatic settlement machine 1 (hereinafter referred to as “automatic settlement machine”) of this embodiment can be installed at a retail store or various locations to purchase goods, store cash, or process banking. there is.

In this specification, the retail store owner is the owner of a retail store where the automatic settlement machine (1) is installed, and may be the owner and manager of the automatic settlement machine (1).

A user may be a person who purchases goods or performs financial processing using the automatic settlement device 1.

The retail store owner can deposit the sales price of the product, etc. into the automatic settlement machine (1).

The automatic settlement machine 1 includes a POS system (Point of sales system). In other words, the automatic settlement machine 1 can manage the quantity, price, and sales amount of products at a retail store.

The automatic settlement machine 1 may include a casing that forms an external shape. At this time, the POS system may be provided in the automatic settlement machine 1 or may be connected to communicate externally.

Hereinafter, the POS system will be described as being provided in the automatic settlement machine 1.

The automatic settlement device 1 can communicate with a server of a financial institution such as a bank to perform various financial tasks such as deposit processing or withdrawal processing with the financial institution.

The automatic settlement machine 1 may include a media input/output unit 10 for inserting or withdrawing media.

Hereinafter, it will be explained that the medium is cash, including bills and coins, as an example. However, in the present invention, the medium is not limited to cash, and various types of media such as gift certificates and securities can be used.

The medium input/output unit 10 may include a banknote input/output unit and a coin input/output unit.

The media input/output unit 10 can input banknotes when purchasing an item, withdraw banknotes when returning an item, input cash for a deposit transaction, or withdraw cash for a withdrawal transaction.

The medium input/output unit 10 may include separate input and output parts or may allow input and output of banknotes in one space.

The automatic settlement machine 1 may further include a discrimination unit 20. The identification unit 20 can identify the type of medium or determine a defective medium when storing or withdrawing the medium.

Banknotes introduced through the medium input/output unit 10 or bills withdrawn through the media input/output unit 10 may pass through the discrimination unit 20 .

The automatic settlement machine 1 may further include a media storage unit 40 for storing banknotes. Of course, the automatic settlement machine 1 may further include a coin storage unit for storing coins.

The media storage unit 40 may be located inside the casing.

The media storage unit 40 may include a plurality of cassettes (cassettes: 41 to 43). Banknotes may be classified by denomination and stored in each of the plurality of cassettes. Alternatively, it is also possible to store multiple types of banknotes in a single cassette.

Although not shown, the automatic settlement machine 1 may be equipped with a safe, and the plurality of cassettes 41, 42, and 43 may be accommodated in the safe. Therefore, only those who have access to the safe can access and open the safe.

In the present invention, ownership of the plurality of cassettes can be differentiated. For example, the first cassette 41 and the second cassette 42 may be owned by the owner (retail store owner) of the automatic settlement machine 1. On the other hand, the third cassette 43 may be owned by a financial institution that operates a server capable of communicating with the automatic settlement machine 1.

Accordingly, the first cassette 41 and the second cassette 42 may be named the retail store cassette, and the third cassette 43 may be named the financial institution cassette.

In other words, a cassette owned and managed by the financial institution may be provided in the automatic settlement machine 1 installed in a location other than the financial institution. In this way, when the ownership of a plurality of cassettes is distinguished, the user or retail store owner can perform financial processing such as deposit or withdrawal at the automatic settlement machine 1 without visiting the bank. Of course, although the financial institution cassette serves to store cash belonging to the financial institution, in reality, access rights can be granted not only to managers of the financial institution but also to retail store owners.

The automatic settlement machine 1 may further include a user interface 11. The user interface 11 may receive a deposit or withdrawal command from a user or a retail store owner or display information to the user or a retail store owner. Accordingly, the user interface 11 may include an input unit and/or a display unit. Additionally, the user interface 11 may form part of the POS system.

The automatic settlement machine 1 may further include a card reader 13 and a receipt issuing machine 14. A card reader 13 and a receipt issuing machine 14 may also form part of the POS system.

You can purchase goods by inserting a card into the card reader 13. Alternatively, financial transactions can be processed by inserting a card into the card reader 13.

The automatic settlement machine 1 may further include a control unit 30 that performs various controls of the automatic settlement machine 1 and a memory 32 that stores information. The control unit 30 may communicate with the server through a communication unit (not shown) to transmit and receive a telegram containing information related to financial affairs.

Figure 2 is a flowchart for explaining the deposit process in an automatic settlement machine according to an embodiment of the present invention, and Figure 3 is a diagram showing media transfer between cassettes during the deposit transaction process.

Referring to FIGS. 2 and 3, banknotes received as a purchase price for goods in the automatic settlement machine 1 or banknotes held by the retail store owner are stored in the retail store owner cassettes 41 and 42.

Alternatively, after the retail store owner inserts banknotes into the media input/output unit 10 to prepare for business before starting business, the inserted banknotes may be transferred to the retail input cassettes 41 and 42.

Retail owners can settle the store's daily settlement amount or a specific amount at the end of business or at a specific time. In this embodiment, settlement is explained as a concept that includes a deposit transaction process with a financial institution. Hereinafter, the deposit transaction process of transferring bills from the retail store owner cassettes 41 and 42 to the financial institution cassette 43 will be described. Let me explain.

A settlement processing request command may be input using the user interface 12 or a separate terminal (S1).

When the automatic settlement device 1 receives a settlement processing request command, it determines the cash present status and settlement request information in the device and performs preparation tasks such as device operation (S2).

For example, settlement request information may include the amount to be deposited. If the retail store's cassettes are stored separately by denomination, the number of copies of each denomination can be determined. If denominations are not stored separately in the retailer's cassette, for example, the denomination information of bills stacked from top to bottom can be identified.

The retailer can decide how much to deposit in the bank based on the amount currently held in the retailer's cassette. Depending on the amount of each note, the amount that can be deposited may vary.

To process deposits, the automatic settlement device (1) encrypts device information (or customer information) and media (cash, gift certificates, securities, etc.) information recorded in the device's memory and transmits them as packets to the financial institution's server. (S3).

The financial institution's server, which has received the deposit information (S4), connects to the external and internal networks (S5, S6), processes the settlement request, and requests the automatic settlement device (1) again to verify that the amount is correct. (S7).

The automatic settlement device 1, which has received the verification request, performs re-confirmation and verification procedures (S8, S9, S10).

However, it should be noted that the steps performed at a financial institution in the present invention are only illustrative and can be replaced or changed with various steps.

First, bills are picked up one by one from the retail store's cassettes 41 and 42. The picked up banknotes pass through the discrimination unit (20). The identification unit 20 can recognize the denomination and quantity of bills passing through. Banknotes that have passed the identification unit 20 may be transferred to the financial institution cassette 43.

After the banknotes are completely transferred to the financial institution cassette 43, the automatic settlement machine 1 may request settlement while transmitting completion information to the financial institution's server (S11).

Of course, it is possible to exclude the verification request procedure depending on the request situation. Alternatively, the automatic settlement device 1 that has received the verification request may recognize the cassette's test information and memory as is and then transmit it to the server of the financial institution and request settlement.

Following the settlement request, the financial institution records the corresponding amount in the customer's account (S12), completes the deposit process (S13), and transmits the deposit completion information to the automatic settlement device (1) (S14). Then, the automatic settlement machine 1 also reflects the deposit completion information in the memory and processes the amount as having been deposited. For example, in the case of the automatic settlement machine 1, it may be recorded that banknotes have been withdrawn from the retailer's cassettes 41 and 42 equal to the amount deposited to the financial institution.

According to this embodiment, the retail store owner can deposit cash into the financial institution's account without visiting the financial institution, thereby improving the convenience of the retail store owner and reducing the time or cost of having to bring cash directly to the financial institution. It has the advantage of improving safety during the cash deposit process because there is no cash transfer process.

Figure 4 is a diagram showing media transfer between cassettes during a deposit transaction process according to another embodiment of the present invention.

In this embodiment, the additional module 100 may be connected to the automatic settlement machine 1. The additional module 100 may be a module that accommodates a cassette 110 owned by a financial institution or a safe.

The additional module 100 and the automatic settlement machine 1 may be connected to enable transfer of media.

Accordingly, only the retail store owner cassettes 41, 42, and 44 are provided inside the automatic settlement machine 1, and the financial institution cassette 110 may be provided independently within the additional module 100. At this time, the additional module 100 may be connected to the outside of the automatic settlement machine 1 or may exist as a safe separate from the media storage unit 20 within the automatic settlement machine 1.

In the case of this embodiment, the banknotes in the retail store owner's cassette may be transferred to the financial institution cassette 110 after passing the identification unit during the deposit transaction process.

Figure 5 is a diagram showing the process of a user depositing cash into an automatic settlement machine according to an embodiment of the present invention.

Referring to FIG. 5, a user can deposit money into an account at a financial institution separately from purchasing an item at a retail store without visiting the financial institution.

For example, a user may input a deposit processing command using the user interface 12.

When a deposit processing command is input, the media input/output unit 10 is opened, and the user can input the amount to be deposited into the media input/output unit 10.

Banknotes (checks are also possible) introduced into the media input/output unit 10 may pass through the discrimination unit 20. Banknotes that have passed through the identification unit 20 may be temporarily accumulated in a temporary accumulation unit (not shown) or may be temporarily accumulated in the medium input/output unit 10 . As the bill passes through the identification unit 20, the denomination and quantity of the bill are determined, and information about the amount to be deposited can be displayed on the user interface 12.

The user can check the information displayed on the user interface 12 and enter a deposit command. Then, related deposit information is transmitted to the server of the financial institution, and when deposit completion information is received from the financial institution, the deposit completion information may be displayed on the user interface 12.

The temporarily accumulated media may be transferred to the financial institution cassette 43 and stored.

As in this embodiment, the user can deposit cash into the financial institution's account through an automatic settlement machine located at a retail store, so the inconvenience of visiting a financial institution is eliminated for the user, and the automatic settlement machine is provided for the retail store owner. Since the number of visits by users to use the service increases, there is an advantage in that the number of people in retail stores increases.

In addition, depending on the contract with the financial institution, the retail store owner can receive management fees for managing the financial institution's cassettes, and in the case of a financial institution, the same effect as setting up a branch in the retail store can be obtained without installing a separate branch. It has the advantage of not having to install a separate ATM (automated teller machine).

Meanwhile, in a state where the financial institution cassette 43 is full and no more media can be input, a deposit transaction to the financial institution is also possible.

If the financial institution cassette is full and no more banknotes can be input, the banknotes introduced into the media input/output unit 10 may be stored in the retail store owner cassettes 41, 42 after passing the discrimination unit 20. there is. In this case, during the deposit transaction process, information that the amount deposited by the user is stored in the retail store cassettes 41 and 42 may be transmitted to the financial institution's server.

Even if the banknotes deposited by the user are stored in the retail store cassettes 41 and 42, the user's deposit transaction can be completed normally.

Later, when there is space in the financial institution cassette 43 to store the amount of money deposited by the user, the amount is transferred from the retailer cassettes 41 and 42 to the financial institution cassette 43, or during the settlement process. (In the retail store owner's deposit transaction process), in addition to the amount for the deposit transaction, banknotes equal to the amount deposited by the user may be additionally transferred from the retailer's cassettes 41 and 42 to the financial institution cassette 43.

Figure 6 is a diagram showing media transfer between cassettes during a withdrawal transaction process according to an embodiment of the present invention.

Referring to Figure 6, the retail store owner can perform a withdrawal transaction at the automatic settlement machine (1). The withdrawal transaction process may be performed in the same or similar manner as the deposit transaction process described in FIG. 3. In other words, a withdrawal transaction can proceed while the automatic settlement device 1 communicates with the financial institution's server.

For example, a command to request settlement processing for withdrawal may be entered using the user interface 12. When the automatic settlement device 1 receives a settlement processing request command, it can determine the current status of cash in the device and settlement request information and perform preparatory work such as device operation.

For example, settlement request information may include the amount desired to be withdrawn. If the financial institution cassette 43 is stored separately by type, the purchase price for each type can be determined. If the denomination types are not classified and stored in the financial institution cassette 43, for example, the denomination information of bills stacked from the top to the bottom can be identified.

The retailer may determine the amount to withdraw from the financial institution based on the amount currently held in the financial institution cassette 43. Depending on the amount of each note, the amount that can be withdrawn may vary.

For withdrawal transactions, the automatic settlement device (1) can encrypt device information (or customer information) and media (cash, gift certificates, securities, etc.) information recorded in the device's memory and transmit them as packets to the financial institution's server. there is.

The financial institution's server that has received the withdrawal information can process the settlement request after being connected to the external network and internal network, and request the automatic settlement device (1) again to verify that the amount is correct. The automatic settlement device 1, which has received the verification request, can perform re-confirmation and verification procedures.

First, bills are picked up one by one from the financial institution cassette 43. The picked up banknotes pass through the discrimination unit (20). The identification unit 20 can recognize the denomination and quantity of bills passing through. Banknotes that have passed the identification unit 20 may be transferred to retail store cassettes 41 and 42.

After the cash is completely transferred to the retail store owner cassettes 41 and 42, the automatic settlement machine 1 may request settlement while transmitting completion information to the server of the financial institution.

Figure 7 is a diagram showing media transfer between cassettes during a withdrawal transaction process according to another embodiment of the present invention.

With the same structure as in Figure 4, the additional module 100 can be connected to the automatic settlement machine 1. The additional module 100 may be a module that accommodates the financial institution cassette 110 or a safe.

The additional module 100 and the automatic settlement machine 1 may be connected to enable transfer of media.

Accordingly, only the retail store owner cassettes 41, 42, and 44 may be provided inside the automatic settlement machine 1, and the financial institution cassette 110 may be provided independently within the additional module 100. At this time, the additional module 100 may be connected to the outside of the automatic settlement machine 1 or may exist as a safe separate from the media storage unit 20 within the automatic settlement machine 1.

In the case of this embodiment, cash in the financial institution cassette 110 may be transferred to the retail store owner cassettes 41, 42, and 43 after passing through the identification unit during the withdrawal transaction process.

Figure 8 is a diagram showing a process in which a user withdraws cash from an automatic settlement machine according to an embodiment of the present invention.

Referring to FIG. 8, a user can withdraw money from an account at a financial institution separately from purchasing an item at a retail store without visiting the financial institution.

For example, a user may input a withdrawal processing command using the user interface 12.

Then, related withdrawal information is transmitted to the financial institution's server, and withdrawal completion information can be received from the bank. Additionally, after the amount requested for withdrawal is withdrawn from the financial institution cassette 43, it may be transferred to the media input/output unit 10 through the discrimination unit 20.

Withdrawal completion information may be displayed on the user interface 12, and the media input/output unit 10 may be opened.

As in this embodiment, the user has the advantage of being able to withdraw cash from a bank account through an automatic settlement machine located at a retail store.

Meanwhile, withdrawal transactions from financial institutions are also possible even when there is no cash in the financial institution cassette.

If the financial institution cassette is empty or holds an amount less than the withdrawal request amount, and if media is present in the retail owner cassette (41, 42), the withdrawal request amount or the withdrawal requested amount and the amount actually withdrawn from the financial institution cassette Media can be withdrawn from the retail store cassettes 41 and 42 by the difference between . At this time, during the withdrawal transaction process, information that the banknotes stored in the retail store owner cassettes 41 and 42 have been withdrawn may be transmitted to the financial institution's server.

Later, during the deposit transaction process, if an amount greater than the amount withdrawn from the retailer's cassette (41, 42) is requested by the user to be deposited, bills equivalent to the amount are not transferred to the financial institution cassette (43) during the deposit transaction process, but are transferred to the retail store owner's cassette (41, 42). It can be transferred to the main cassette.

Or, later, during the deposit transaction process, if an amount greater than the amount withdrawn from the retail store owner's cassettes (41, 42) is requested by the retail store owner to be deposited, bills equal to the amount excluding the difference are withdrawn from the retail store owner's cassettes (41, 42). Banknotes may be transferred to the financial institution cassette 43.

Alternatively, if information that the cash stored in the retailer's cassettes 41 and 42 has been withdrawn is transmitted to the financial institution's server, the financial institution can transfer or deposit the amount withdrawn to the retailer's account during the withdrawal transaction process. .

Figure 9 is a diagram schematically showing the automatic settlement machine of a retail store owner and the settlement process of an agency according to another aspect.

Referring to FIG. 9, even if the automatic settlement machine does not directly communicate with the bank's server, deposit processing can be performed by communicating for settlement between the terminal of a separate agency and the automatic settlement machine.

For example, an agent can collect cash from a retailer's cassette and perform settlement at the same time. The agent can then visit the financial institution, deliver the cash, and deposit the money into the retailer's account.

Claims (10)

A POS system that manages the sales amount and quantity or price of items within a retail store;
An entry/exit section into which the sales price of goods within the retail store can be input;
A discrimination unit that distinguishes banknotes input from the deposit/exit unit;
a retail store owner cassette in which bills representing the sales price of the goods that have passed through the identification unit or bills input by the retail store owner are stored; and
An intelligent automatic settlement device including a financial institution cassette in which a deposit transaction with a financial institution proceeds normally and banknotes transferred from the retail store owner's cassette are stored. According to claim 1,
An intelligent automatic settlement device in which the bills withdrawn from the retail store cassette are transferred to the financial institution cassette after passing the identification unit. According to claim 1,
When a user inserts banknotes into the deposit/withdrawal unit to deposit the banknotes into the financial institution's account,
An intelligent automatic settlement device in which the inserted banknotes are transferred to the financial institution cassette after passing the identification unit, thereby completing the user's deposit transaction. According to claim 1,
The retail store owner enters a withdrawal processing command to withdraw banknotes from the financial institution's account, and when the withdrawal transaction with the financial institution proceeds normally,
An intelligent automatic settlement device in which banknotes are withdrawn from the financial institution cassette in the amount requested for withdrawal, and the withdrawn banknotes are transferred to the retail store owner cassette after passing the discrimination unit. According to claim 1,
When a user enters a withdrawal processing command to withdraw banknotes from an account at the financial institution, and the withdrawal transaction with the financial institution proceeds normally,
An intelligent automatic settlement device in which bills are withdrawn from the financial institution cassette in an amount equal to the withdrawal request amount, and the withdrawn bills are transferred to the deposit/withdrawal unit after passing the identification unit. According to claim 1,
When a user inserts banknotes into the deposit/withdrawal unit to deposit banknotes into an account at the financial institution, but the financial institution cassette is full and additional banknotes cannot be deposited,
An intelligent automatic settlement device in which the inserted banknotes are transferred to the retail store owner's cassette after passing the discrimination unit, and information that the amount deposited by the user is stored in the retail store owner's cassette is transmitted to the financial institution's server during the deposit transaction process. According to claim 6,
If there is space in the financial institution cassette to store the amount of money deposited by the user, the amount is transferred from the retailer's cassette to the financial institution cassette, or
An intelligent automatic settlement device that additionally transfers bills of the corresponding amount from the retailer's cassette to the financial institution's cassette during the later deposit transaction process of the retailer. According to claim 1,
If the user enters a withdrawal processing command to withdraw banknotes from the financial institution's account, but there are no banknotes in the financial institution's cassette or an amount less than the requested withdrawal amount is stored,
If the withdrawal transaction with the above financial institution proceeds normally,
Banknotes are withdrawn from the retailer's cassette equal to the withdrawal request amount,
The entire amount stored in the financial institution cassette is withdrawn, and bills equal to the difference between the withdrawal request amount and the amount withdrawn from the financial institution cassette are withdrawn from the retailer's cassette and transferred to the deposit/withdrawal department,
An intelligent automatic settlement device that transmits information that the banknotes stored in the retailer's cassette have been withdrawn during the withdrawal transaction process to the financial institution's server. According to claim 8,
In the course of the withdrawal transaction, a transfer is made equal to the amount withdrawn from the financial institution to the retailer's account, or
Later, during the deposit transaction process, if an amount greater than the amount withdrawn from the retailer's cassette is requested by the user to be deposited, bills equal to the difference are transferred to the retailer's cassette, or
Later, during the deposit transaction process, if an amount greater than the amount withdrawn from the retailer's cassette is requested by the retail store owner, an intelligent automatic settlement device in which bills for the amount minus the difference are transferred from the retailer's cassette to the financial institution's cassette. . According to claim 1,
The financial institution cassette and the retail store cassette are placed in a single safe, or
The retailer's cassette is placed in a safe inside the settlement machine, the financial institution cassette is placed in a separate module outside the settlement machine, and the financial institution cassette and the retailer's cassette are connected to enable media transfer. Intelligent automatic settlement device.

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