WO2018043048A1 - Système de gestion d'espèces - Google Patents

Système de gestion d'espèces Download PDF

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Publication number
WO2018043048A1
WO2018043048A1 PCT/JP2017/028609 JP2017028609W WO2018043048A1 WO 2018043048 A1 WO2018043048 A1 WO 2018043048A1 JP 2017028609 W JP2017028609 W JP 2017028609W WO 2018043048 A1 WO2018043048 A1 WO 2018043048A1
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WIPO (PCT)
Prior art keywords
cash
automatic transaction
transaction apparatus
management table
information
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PCT/JP2017/028609
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English (en)
Japanese (ja)
Inventor
友美 高島
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日立オムロンターミナルソリューションズ株式会社
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Publication of WO2018043048A1 publication Critical patent/WO2018043048A1/fr

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D9/00—Counting coins; Handling of coins not provided for in the other groups of this subclass

Definitions

  • the present invention relates to a cash management system in an automatic transaction apparatus.
  • ATMs have been set up in convenience stores, supermarkets, universities, office buildings, etc. other than banks. As with ATMs installed in banks, customers can withdraw cash deposits and deposit cash.
  • a security company contracted with a bank usually prepares a special transport vehicle, visits a convenience store, etc., and replenishes the necessary amount of cash.
  • Patent Document 1 it is possible to formulate a cash cassette replacement plan by grasping and predicting the transition of the remaining amount of cash for each automatic machine. However, when cash collection / replenishment is required with a plurality of automatic machines, an efficient response plan cannot be created.
  • the present invention has been made in view of the above, and an object of the present invention is to provide a cash operation management system capable of improving the efficiency of money operation in the entire cash operation management system. It is another object of the present invention to provide a cash management system capable of preventing operation stoppage due to cash shortage in an automatic machine and improving operation efficiency.
  • the present invention stores a cash cassette and executes a cash transaction with a customer, and cash stored in the automatic transaction device.
  • An operation terminal having a display unit for displaying the amount, a control state management table for managing a control state of each of the automatic transaction devices, and a management table for managing the cash amount stored in each of the automatic transaction devices
  • a cash operation management system including a cash operation management server having a storage unit for storing, wherein the operation management server is stored in the control state management table based on failure information received from the automatic transaction apparatus.
  • the automatic transaction apparatus that has transmitted the failure information is updated so that the transaction is not possible, and the automatic transaction is based on the cash amount of another automatic transaction apparatus stored in the management table.
  • Device will determine the different automatic transaction apparatus to be replenished or recovery of cash to be stored, configured as cash management system and transmits to the operating terminal.
  • the fund management efficiency in the whole cash operation management system can be improved.
  • FIG. 1 is an example of a configuration diagram of a cash management system.
  • the cash operation management system includes an automatic transaction apparatus 1, an account host computer (hereinafter account host) 70, a cash operation management server (hereinafter management server) 80, and an operation terminal 50. They are connected via a network 60 that is a line.
  • account host hereinafter account host
  • management server cash operation management server
  • the automatic transaction apparatus 1 includes ATMs (Automated Teller Machines) 200 and CDs (Cash Dispensers) installed in branches (hereinafter referred to as branches) 200 of financial institutions such as banks, credit unions, post offices, and consumer finance companies. It is a device for financial institution customers to operate themselves to conduct financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, and transfer.
  • ATMs Automated Teller Machines
  • CDs Credit Dispensers
  • the account host 70 is an information processing apparatus that is installed in a district center (hereinafter referred to as a bank center) 100 of a financial institution and stores various information in banking operations.
  • a bank center a district center
  • the account host 70 is an information processing apparatus that is installed in a district center (hereinafter referred to as a bank center) 100 of a financial institution and stores various information in banking operations.
  • the management server 80 is an apparatus that is installed in the bank center 100 and manages the automatic transaction apparatus 1 and cash information in the automatic transaction apparatus 1.
  • the management server 80 will be described later with reference to FIGS. 4 and 6 to 9.
  • the operation terminal 50 is a device that is installed in the bank center 100 or the branch 200 and outputs information stored in the management server 80 to the user.
  • the operation terminal 50 will be described later with reference to FIG.
  • the operation terminal 50 is described as being in the branch office 200, but it may be in a place that directs cash management, so it may be in the bank center 100 or other places.
  • the operation terminal 50 may be omitted.
  • the plurality of automatic transaction apparatuses 1 are referred to as an automatic transaction apparatus group.
  • the automatic transaction apparatus group is formed by the automatic transaction apparatus 1 in the same branch.
  • controlling an automatic transaction apparatus group by one group is called group control.
  • individually controlling the automatic transaction apparatuses 1 belonging to the automatic transaction apparatus group is called individual control.
  • FIG. 2 is an example of an overview diagram of the automatic transaction apparatus 1.
  • the automatic transaction apparatus 1 is an apparatus that executes various transactions such as deposit and withdrawal transactions of banknotes and coins by user operations. From the operation side front of the user of the automatic transaction apparatus 1, it is possible to confirm the display input unit 7 that detects the user's input at the same time as displaying the operation guidance, and the deposit / withdrawal unit 25 for depositing / withdrawing banknotes and coins. .
  • the transaction status display unit 3 is a display unit for informing the user of the transaction status handled by the automatic transaction apparatus 1.
  • the transaction status display unit 3 displays transaction items handled by the automatic transaction apparatus 1 and displays whether each transaction item is executable / impossible by the automatic transaction apparatus 1.
  • the transaction status display unit 3 shows an example of what is installed on the automatic transaction apparatus 1, but the installation position is not limited to this.
  • FIG. 3 is an example of a functional configuration diagram of the automatic transaction apparatus 1.
  • the automatic transaction apparatus 1 includes a control unit 5, a display input unit 7, a communication unit 9, and a banknote unit 21.
  • the display input unit 7 displays information necessary for performing a transaction with the automatic transaction apparatus 1 to the user, or the user inputs information via the display input unit 7.
  • the banknote part 21 is comprised from the banknote control part 23, the deposit or withdrawal part 25, the banknote discrimination
  • the temporary holding unit 29 confirms the denomination, number of sheets, total amount, etc. of the deposited banknote read by the banknote discriminating unit 27 by the user via the display input unit 7, and the automatic transaction apparatus 1 and the billing system host 70 This is used when temporarily storing banknotes until the deposit process is confirmed.
  • the banknote conveyance part 31 says the conveyance path and conveyance member for conveying a banknote to each function part.
  • the storage unit 33 stores the banknotes handled by the automatic transaction apparatus 1 for each denomination.
  • the automatic transaction apparatus 1 includes a plurality of storage units in order to handle banknotes of a plurality of denominations.
  • each storage unit 27 is referred to as a cash cassette.
  • the collecting unit 35 collects and stores the banknotes that the banknote discriminating unit 27 determines to be unsuitable for depositing / withdrawing and banknotes that the user forgets to take. In the banknote discrimination
  • the transaction status display unit 3 is a display unit for notifying the user of transactions handled by the automatic transaction apparatus 1.
  • the transaction status display unit 3 performs display by changing the display content according to an instruction from the control unit 5 of the automatic transaction apparatus 1.
  • FIG. 4 is an example of a functional configuration diagram of the management server 80.
  • the management server 80 includes a control unit 12, a communication unit 19, and a storage unit 10.
  • the communication unit 19 communicates with the automatic transaction apparatus 1, the operation terminal 50, and the like.
  • the storage unit 10 includes a basic information management table 13, a group management table 15, a threshold management table 17, a control state management table 19, a cash transfer candidate management table 14, a location information management table 16, and a work progress management table 18.
  • the basic information management table 13 is a table for managing affiliation information and the like of each automatic transaction apparatus 1 registered by the user. Details of the automatic transaction information management table 13 will be described later with reference to FIG.
  • the group management table 15 is a table for managing the number of banknotes stored for each denomination of all automatic transaction apparatuses 1 belonging to the automatic transaction apparatus group and the total number of banknotes stored in the automatic transaction apparatus group. Details of the group management table 15 will be described later with reference to FIG.
  • the control state management table 19 is a table for managing the control state of the automatic transaction apparatus group. Details of the control state management table 19 will be described later with reference to FIG.
  • the cash transfer candidate management table 14 is a table for managing banknote movement candidate information according to the number of banknotes stored in the automatic transaction apparatus 1.
  • the cash transfer candidate management table 14 will be described later with reference to FIG.
  • the location information management table 16 is a table for managing location information where the automatic transaction apparatus 1 is installed.
  • the position information management table 16 will be described later with reference to FIG.
  • the work progress management table 18 is a table for managing the progress of work for collecting and replenishing cash between the automatic transaction apparatuses 1.
  • the work progress management table 18 will be described later with reference to FIG.
  • FIG. 5 is an example of a functional configuration diagram of the operation terminal 50.
  • the operation terminal 50 includes a control unit 45, a communication unit 49, a display unit 51, and an operation input unit 53.
  • the display unit 51 displays information stored in each table of the management server 80 and cash operation management information of the cash cassette in the automatic transaction apparatus 1 as a result of processing by the management server 80 to the user. .
  • the operation input unit 53 selects or inputs information to the automatic transaction apparatus information and cash management information displayed on the display unit 51 via the operation input unit 53.
  • the communication unit 49 communicates with the management server 80 and the like.
  • the display unit 51 and the operation input unit 53 have been described as separate functional configurations, the display unit 51 and the operation input unit 53 may be capable of simultaneously performing display, operation, and input using a touch panel or the like.
  • FIG. 6 is an example of a diagram showing the basic information management table 13.
  • the basic information management table 13 shows basic information related to the arrangement of the automatic transaction apparatus 1 used in the present system.
  • the basic information management table 13 stores information such as the ATM number, store number, group ID1, and group ID2 of the automatic transaction apparatus 1.
  • the ATM number is information for uniquely identifying the automatic transaction apparatus 1.
  • the store number is information that can determine not only in which branch 200 the automatic transaction apparatus 1 is installed, but also whether it is installed outside the store.
  • the group ID 1 indicates information indicating the area where the automatic transaction apparatus 1 is installed, and the group ID 2 indicates information obtained by further grouping one or more areas based on the group ID 1.
  • Each information is registered by the user via the operation input unit 53 of the operation terminal 50.
  • the automatic transaction apparatus 1 identified by ATM1 is installed in the branch 200 identified by the store number 0001, and the location indicates an area where the group ID 1 is represented by XXX. Yes. Further, the area indicates that the group ID 2 belongs to the area group represented by ⁇ .
  • FIG. 7 is an example of a diagram showing the group management table 15.
  • the group management table 15 is a table for managing the banknotes stored in the automatic transaction apparatus 1 belonging to the automatic transaction apparatus group for each denomination.
  • the group management table 15 stores information such as the ATM number of the automatic transaction apparatus 1 and the number of stored bills.
  • the information on the number of stored banknotes includes the average number of banknotes stored in the automatic transaction apparatus 1 by denomination and the average number of banknotes stored in the automatic transaction apparatus group by denomination. Updated based on transmitted information.
  • automatic transaction apparatuses a to e in the same branch are handled as an automatic transaction apparatus group.
  • FIG. 7 it can be seen that five automatic transaction apparatuses 1 from a to e store the illustrated number of banknotes for each denomination.
  • the average value for each automatic transaction apparatus 1 is 591, 54, 564, and 660 for each denomination (1,000, 2,000, 5,000, and 10,000 yen). It can be seen that it is.
  • FIG. 8 is an example of a diagram showing the threshold management table 17.
  • the threshold management table 17 stores an upper limit value and a lower limit value for individual control and an upper limit value and a lower limit value for group management control for the remaining amount of cash of each bill in the automatic transaction apparatus 1, and belongs to the automatic transaction apparatus group. It is a condition management table for determining whether the automatic transaction apparatus 1 is group-controlled or individually controlled.
  • group control (first control) restricts the transaction items of the automatic transaction apparatus 1 belonging to the automatic transaction apparatus group in units of groups according to the number of stored banknotes in the fully automatic transaction apparatus 1 belonging to the automatic transaction apparatus group. Control to do.
  • individual control (2nd control) means the control in which the automatic transaction apparatus 1 which belongs to an automatic transaction apparatus group restrict
  • a group control threshold 700 and an individual control threshold 702 are managed for each denomination of the automatic transaction apparatus group.
  • the group control threshold 700 is a condition for group control of the automatic transaction apparatuses 1 belonging to the automatic transaction apparatus group.
  • the individual control threshold value 702 refers to a condition for individually controlling the automatic transaction apparatuses 1 forming the automatic transaction apparatus group.
  • the group control threshold 700 includes an upper limit value 706, a lower limit value 708, a restriction release upper limit value 710, and a restriction release lower limit value 712.
  • the upper limit value 706 is an upper limit threshold value for executing group control of the automatic transaction apparatus group.
  • the lower limit value 708 is a lower limit threshold value for executing group control of the automatic transaction apparatus group.
  • the storage unit of the automatic transaction apparatus 1 If the number of banknotes stored in the storage unit of the automatic transaction apparatus 1 is too large, the storage unit becomes full due to the user's deposit transaction, and the transaction cannot be continued. On the other hand, if the amount is too small, the storage unit becomes empty due to the user's withdrawal transaction, and the transaction cannot be continued. Therefore, it is necessary for the storage unit 33 of the automatic transaction apparatus 1 to store an appropriate amount of banknotes that are not excessive or insufficient for operation.
  • the limit release upper limit 710 of the group control threshold 700 is the group control threshold when the average value of the number of banknotes stored in the fully automatic transaction apparatus 1 belonging to the automatic transaction apparatus group when operating by executing individual control. This is a condition value for shifting the control method of the automatic transaction apparatus 1 from individual control to group control when it falls below the upper limit value 706 of 700, that is, when it becomes a state suitable for group control again.
  • the restriction release lower limit 712 of the group control threshold 700 is set when the average value of the number of banknotes stored in the fully automatic transaction apparatus 1 belonging to the automatic transaction apparatus group exceeds the lower limit 708 of the group control threshold 700, that is, the group again. When it becomes a state suitable for control, it is a condition value for shifting the control method of the automatic transaction apparatus 1 from individual control to group control.
  • the limit release upper limit value is set to a value equal to or lower than the upper limit value
  • the limit release lower limit value is set to a value equal to or higher than the lower limit value
  • the limit release upper limit value 710 and the limit release lower limit value 712 for switching control from individual control to group control separately from the upper limit value 706 and the lower limit value 708, automatic transaction Even when the number of banknotes in the device group is changed, an optimal control state can be ensured. Moreover, it is possible to avoid frequent changes in the display of the transaction state display unit 3 by setting the limit release upper limit value 710 to be the upper limit value 706 or less and the limit release lower limit value 712 to be the lower limit value 708 or more.
  • the upper limit value 706 or the lower limit value 708 which is a condition for switching from group control to individual control, for example, an automatic transaction apparatus 1 that is not capable of deposit transaction by individual control.
  • the user executes a withdrawal transaction and becomes in a state where the deposit transaction is possible, and there is a possibility of causing a frequent change in the transaction state such that the next user transaction makes the deposit transaction impossible again. Because.
  • the deposit transaction is performed by the next user's withdrawal transaction.
  • the limit release upper limit value 710 or the limit release lower limit value 712 for example, after the transition to the deposit transaction impossible state, the deposit transaction is performed by the next user's withdrawal transaction.
  • each value of the threshold management table 17 may be manually set or changed manually, or may be set or changed dynamically.
  • the management server 80 compares the number of banknotes in each storage unit 33 of the automatic transaction apparatus 1 belonging to the automatic transaction apparatus group with the upper limit value 706 and lower limit value 708 for each denomination in the threshold management table 17, and each automatic transaction apparatus 1. Control the transaction items.
  • the automatic transaction apparatus 1 when the average value of the number of banknotes of the automatic transaction apparatus group managed by the group management table 15 is within the range between the upper limit value 706 and the lower limit value 708, the automatic transaction apparatus 1 belonging to the automatic transaction apparatus group.
  • Group control is performed to control the automatic transaction apparatus 1 individually when the group control is outside the range of the upper limit value 706 and the lower limit value 708.
  • the individual control threshold value 702 is a threshold value for determining a transaction item in individual control.
  • the individual control threshold value 702 includes an upper limit threshold value 714 and a lower limit threshold value 716.
  • the upper threshold 714 is a threshold for restricting the deposit transaction.
  • the lower threshold 716 is a threshold for restricting a withdrawal transaction.
  • the storage unit 33 of the automatic transaction apparatus 1 If the number of banknotes stored in the storage unit 33 of the automatic transaction apparatus 1 is equal to or greater than the upper threshold 714, the storage unit 33 becomes full due to a deposit transaction executed by the user and is not suitable for operation. Restrict deposit transactions.
  • the storage unit 33 of the automatic transaction apparatus 1 when the number of banknotes stored in the storage unit 33 of the automatic transaction apparatus 1 is the lower limit threshold 716 or less, the storage unit 33 becomes empty due to a withdrawal transaction executed by the user and is not suitable for operation. Therefore, withdrawal transactions are restricted.
  • flexible control can be executed by defining conditions for switching group control or individual control according to the number of banknotes of the automatic transaction apparatus 1 belonging to the automatic transaction apparatus group. . Further, by limiting the transactions handled using the threshold value, appropriate transactions can be continued without stopping the operation.
  • FIG. 9 is an example of a diagram showing the control state management table 19.
  • the control state management table 19 is a table for managing the control state of the automatic transaction apparatus group.
  • the control state management table 19 manages the control state (group control / individual control) 802 of the automatic transaction apparatus group, that is, the state (operating state) of transaction items displayed on the transaction state display unit 3.
  • 9 shows an automatic transaction apparatus group No.
  • the control state of the automatic transaction apparatuses a to e belonging to 1 is the group control state.
  • the automatic transaction apparatus a is capable of withdrawing and depositing money of denomination 10000 and is in operation ( Indicates that the transaction is not possible.
  • FIG. 10 shows an example of a processing flow of control determination processing performed by the automatic transaction apparatus 1 and the management server 80.
  • the automatic transaction apparatus 1 transmits banknote information to the management server 80.
  • the banknote information is denomination information and number information of the storage unit for each denomination.
  • the timing which transmits banknote information is good also as what is transmitted to the management server 80 from the automatic transaction apparatus 1 for every fixed time, and good also as what is transmitted after completion of transaction.
  • the management server 80 calculates the average value of the number of banknotes in the automatic transaction apparatus group in S703. The average value is calculated for each denomination of the automatic transaction apparatus 1. The number of banknotes of each money type and the average value thereof are managed by the group management table 15.
  • the management server 80 determines whether the current control state of the automatic transaction apparatus group is a group control state or an individual control state.
  • the calculated average value of the number of banknotes for each denomination of the automatic transaction apparatus group is the upper limit of the group control threshold in the threshold management table 17 It is determined whether the value is 706 or less and the lower limit value 708 or more.
  • the management server 80 determines the control method of the automatic transaction apparatus group as group control (S706).
  • the management server 80 determines the control method of the automatic transaction apparatus group as individual control (S707). .
  • the control state of the automatic transaction apparatus group is the individual control state (S704: individual control)
  • the calculated average value of the number of banknotes of the automatic transaction apparatus group is equal to or less than the restriction release upper limit 710 of the group control threshold. It is determined whether or not the release lower limit value 712 is met.
  • the control method of the automatic transaction apparatus group is determined as the group control process (S709). Moreover, when it does not correspond to the restriction cancellation upper limit 710 or less and the restriction cancellation lower limit 712 or more (S708: No), the control method of the automatic transaction apparatus group is determined to be individual control (S709).
  • the management server 80 transmits the determined individual control or group control method as a control instruction to each automatic transaction apparatus 1 belonging to the automatic transaction apparatus group.
  • the automatic transaction apparatus 1 that has received the control instruction from the management server 80 changes the control state according to the instructed control method.
  • the automatic transaction apparatus 1 transmits banknote information with respect to the management server 80, it will be judged whether the remaining number of the collection
  • the withdrawal / payment transaction is stopped and the process is terminated regardless of the instruction of the management server 80 (S721). This is because the storage unit 33 of the automatic transaction apparatus 1 may become full due to a deposit transaction by a user.
  • the number of banknotes stored in the automatic transaction apparatus group is managed in real time, and it is determined whether group control or individual control should be executed based on the group control threshold 700. Therefore, according to the number of banknotes held in the automatic transaction apparatus group, the automatic transaction apparatus group and each automatic transaction apparatus 1 can be flexibly controlled and the operation can be continued.
  • the management server 80 sets the combination of cash collection / replenishment targets for the automatic transaction apparatus 1 in a financial transaction disabled state. Processing for determining candidates will be described.
  • FIG. 11 is an example of a processing sequence showing processing of each device and transmission / reception of information when the state of the automatic transaction device 1 changes.
  • the automatic transaction apparatus 1 transmits an ATM number and failure information to the management server 80 (S102).
  • the failure information includes, for example, a bill conveyance failure in the bill portion 21 of the automatic transaction apparatus 1 and a power failure of the automatic transaction apparatus 1 itself.
  • the management server 80 receives the ATM number and failure information from the automatic transaction apparatus 1, the management server 80 compares the received ATM number with the ATM number stored in the control state management table 19, and the matched record is “not transactionable”. The state is updated (S103).
  • the management server 80 performs a cash collection / replenishment target search process (S104), and transmits the cash collection / replenishment information determined by the process to the operation terminal 50 (S105).
  • the search processing in S104 will be described later with reference to FIG.
  • the operation terminal 50 displays the received information on the display unit 51 such as a screen (S106).
  • FIG. 12 is an example of a processing flow showing an operation in which the management server 80 determines the cash transfer in the automatic transaction apparatus 1 for the automatic transaction apparatus 1 in a financial transaction impossible state.
  • the management server 80 searches the control state management table 19 for a record that is “transaction impossible”, acquires the ATM number (S201), and compares the acquired ATM number with the ATM number stored in the group management table 15 Then, the number of stored bills of the matched record is acquired (S202). Next, the acquired ATM number is compared with the ATM number stored in the basic information management table 13, and the store number, group ID1, and group ID2 of the matched record are acquired (S203) and installed in the branch 200. It is determined whether the automatic transaction apparatus 1 has been made (S204).
  • the acquired store number is compared with the store number stored in the basic information management table 13, and the ATM number of the matched record is acquired (S205). Furthermore, the ATM number acquired in S205 and the ATM number stored in the group management table 15 are compared to acquire the number of stored bills in the matched record (S206), and the failure in the automatic transaction apparatus 1 in which the failure has occurred is acquired. For example, for one denomination, it is determined whether there is enough free space to move to another automatic transaction apparatus 1 in the same branch 200 (S207). Since banknotes are often moved in units of sheets when a failure occurs, the free space is not limited to being secured by one cassette, and may be secured across two or more cassettes.
  • the cash in the automatic transaction apparatus 1 in which a failure has occurred is exchanged for another automatic transaction in the same branch 200. If it is determined that there is not enough free space to move to the device 1, the group ID 1 of the automatic transaction device 1 in which the failure has occurred acquired in S203 is compared with the group ID 1 stored in the basic information management table 13, The ATM number of the matched record is acquired (S208), and the acquired ATM number and the ATM number stored in the group management table 15 are compared to acquire the number of accommodated banknotes of the matched record. It is determined whether there is enough free space to move the cash in the automatic transaction apparatus 1 to another automatic transaction apparatus 1 in the same region (S210). The determination of the free space is not limited to the case where it is secured by one cassette, as in the case of S207, and may be secured across two or more cassettes.
  • the group ID2 of the automatic transaction apparatus 1 in which a failure has occurred acquired in S203 is used to perform a search in the same manner as the group ID1. It is determined whether it is possible to move to another automatic transaction apparatus 1 (S211), and the automatic transaction apparatus 1 as a movement destination is determined and the process ends (S212).
  • the determination of the free space is not limited to the case of securing with one cassette as in the case of S207 and S210, and may be secured over two or more cassettes.
  • the automatic transaction apparatus 1 in which a failure has occurred is retrieved and acquired from the control state management table 19 in S201, but the failure has occurred from the information received by the management server 80 in S102 of FIG. You may specify the ATM number of the automatic transaction apparatus 1 which is doing.
  • the automatic transaction apparatus 1 to which cash is transferred from the automatic transaction apparatus 1 in which a failure has occurred may be one or plural.
  • the transfer destination is determined in consideration of the priority such as the cash amount close to empty. To do.
  • the free cash capacity in the automatic transaction apparatus 1 at the destination it may be about one denomination or each denomination.
  • the information stored in the management server 80 is only a transaction impossible (during failure), but the failure occurrence time, the failure occurrence part in the automatic transaction apparatus 1, the failure Information such as details may be stored, and priorities may be assigned based on the information to determine whether or not cash transfer is possible or the amount of cash transfer.
  • FIG. 13 is an example of a processing sequence showing the processing of each device and the transmission / reception of information when the amount of bills accommodated changes due to the customer's financial transaction in the automatic transaction device 1.
  • the automatic transaction apparatus 1 transmits the ATM number, the number of stored bills, etc. to the management server 80 (S302).
  • Management server 80 will perform control judgment processing explained using Drawing 10, if an ATM number and bill accommodation number information are received from automatic transaction device 1.
  • FIG. Thereafter, the management server 80 performs a cash collection / replenishment target search process (S304), and transmits the cash collection / replenishment information determined by the process to the operation terminal 50 (S305).
  • the search process in S304 will be described later with reference to FIG.
  • the operation terminal 50 displays the received information on the display unit 51 such as a screen (S306).
  • the management server 80 determines the cash transfer in the automatic transaction apparatus 1 for the automatic transaction apparatus 1 in which the cash amount is full or empty (or close to a predetermined threshold value). It is an example of the processing flow which shows operation
  • the management server 80 determines whether or not the automatic transaction apparatus 1 is in the individual control state from the result of the control determination process in S303 of FIG. 13 (S401).
  • the automatic transaction apparatus 1 When the automatic transaction apparatus 1 is not in the individual control state, that is, in the group control state, the total amount of cash in the branch 200 or the automatic transaction apparatus 1 is not too small, not too small, and is in a good state, Since there is no need to move, it is determined that cash transfer is unnecessary, and the process is terminated.
  • the combination of the target automatic transaction apparatus 1 is determined by the following process.
  • the management server 80 compares the ATM number received from the automatic transaction apparatus 1 with the ATM number stored in the basic information management table 13, and acquires the store number, group ID1, and group ID2 of the matched records. (S402), it is determined whether the automatic transaction apparatus 1 is installed in the branch 200 (S403).
  • the acquired store number is compared with the store number stored in the basic information management table 13, and the ATM of the matched record is compared.
  • a number is acquired (S404), and the ATM number received from the automatic transaction apparatus 1 is targeted if the acquired ATM number is the target or if it is determined in S403 that it is not the automatic transaction apparatus 1 in the branch 200
  • the ATM number of one or a plurality of automatic transaction apparatuses 1 as a target is compared with the ATM number stored in the group management table 15 to obtain the number of stored banknotes in the matched record (S405).
  • the group ID 1 of the automatic transaction apparatus 1 in the individual control state acquired in S402 is compared with the group ID 1 stored in the basic information management table 13, and the ATM number of the matched record is acquired (S406). Furthermore, the acquired ATM number and the ATM number stored in the group management table 15 are compared, the number of stored bills of the matched record is acquired (S407), and the cash in the automatic transaction apparatus 1 in the individually controlled state is obtained.
  • the banknotes stored For example, for one denomination, if the number of banknotes stored is almost full, it is determined whether there is enough free space to move the banknotes with another automatic transaction apparatus 1 in the same area as the destination, and the banknotes are nearly empty Determines whether or not enough banknotes are accommodated even if the automatic transaction apparatus 1 in the same area is moved to the automatic transaction apparatus 1 as a movement source (S408).
  • the upper limit value 706 and the lower limit value 708 of the group control threshold value 700 in the threshold management table 17 are used as the threshold values for this determination.
  • the average value of the number of stored bills of the two automatic transaction apparatuses 1 is the group control threshold value 700. For example, it may be between the lower limit value 708 and the upper limit value 706.
  • the group ID2 of the automatic transaction apparatus 1 in the individual control state acquired in S402 is used to perform a search in the same manner as the group ID1. It is determined whether it is possible to move to another automatic transaction apparatus 1 (S409), and the automatic transaction apparatus 1 as the movement destination is determined and the process ends (S410), or it is determined that there is no movement destination, and the process ends.
  • the automatic transaction apparatus 1 when there are a plurality of candidates for the automatic transaction apparatus 1 to which the cash is transferred from the automatic transaction apparatus 1 that is full or empty, the automatic transaction apparatus 1 that is in a state where payment or withdrawal is not possible is given priority.
  • the destination may be determined in consideration of the priority, such as the one having a larger or smaller amount of cash, the one having the cash collection source and the replenishment destination automatic transaction apparatus 1 being closer.
  • FIG. 15 is an example of a diagram showing the cash transfer candidate management table 14.
  • the cash transfer candidate management table 14 stores an ATM number of a cash collection source and a target cash cassette, an ATM number of a cash replenishment destination, a target cash cassette, and a bill movement amount.
  • the information in the cash transfer candidate management table 14 is determined by the above-described management server 80 for cash collection / replenishment target search processing (S104 in FIG. 11 and S304 in FIG. 13). For example, it is conceivable that the transfer amount of cash is set to the same number of banknotes in each cash cassette of the cash collection source and the cash replenishment destination for one denomination.
  • combination candidates are stored for each record.
  • cash is moved from cassette 1 of ATM1 to cassette 1 of ATM2 by moving the cassette (upper row), and 500 cash is moved from cassette 1 of ATM1 to cassette 1 of ATM2 (lower row). It is shown that.
  • the number of columns may be increased and displayed.
  • the line selected by the user via the operation input unit 53 of the operation terminal 50 may be highlighted in an easily understandable manner for the user.
  • FIG. 16 is an example of a diagram showing the cash movement in the cash cassette between the automatic transaction apparatuses 1 on the display unit 51 of the operation terminal 50. Based on the information stored in the cash transfer candidate management table 14, how many pieces of cash in the cash cassette of the automatic transaction apparatus 1 should be transferred to another automatic transaction apparatus 1 is illustrated. . By showing the cash amount state before and after the transfer, it can be understood that both the deposit and withdrawal are possible in the state where the deposit or withdrawal transaction is not possible depending on the denomination.
  • the left side of FIG. 16 moves 500 bills from the ATM1 cassette 1 (1,000 yen) to the ATM2 cassette 1 (1,000 yen), and from the ATM2 cassette 2 (10,000 yen) to the ATM1 cassette. It shows a state where 500 bills are moved to 2 (10,000 yen).
  • ATM1 since the cassette 1 (1,000 yen) is full, a deposit transaction cannot be performed, and since the cassette 2 (10,000 yen) is empty, a withdrawal transaction of 10,000 yen cannot be performed. It is shown that.
  • cassette 2 (10,000 yen) since cassette 2 (10,000 yen) is full, no deposit transaction can be made, and since cassette 1 (1,000 yen) is empty, 1,000 yen cannot be withdrawn. It shows that there is.
  • cassette 1 (1,000 yen) and cassette 2 (10,000 yen) of ATM1 After the cash is transferred, as shown on the right side of FIG. 16, cassette 1 (1,000 yen) and cassette 2 (10,000 yen) of ATM1, cassette 1 (1,000 yen) of ATM2 and Each of the cassettes 2 (10,000 yen) is 500 sheets, indicating that the full state and the empty state have been eliminated, and that both ATM1 and ATM2 are capable of deposit and withdrawal transactions.
  • FIG. 17 is an example of a diagram showing cash cassette exchange between the automatic transaction apparatuses 1 on the display unit 51 of the operation terminal 50.
  • the cash cassettes of the same denomination of the two automatic transaction apparatuses 1 are shown to be exchanged.
  • the amount of cash before and after the transfer By showing the amount of cash before and after the transfer, the state where the deposit transaction is not possible or the withdrawal transaction is not possible depending on the denomination can be withdrawn regardless of the denomination in one of the automatic transaction devices 1, It can be seen and understood that the automatic transaction apparatus 1 can deposit money.
  • FIG. 17 shows a state in which the bill 2 is moved by exchanging the cassette 2 (10,000 yen) of ATM2 and the cassette 2 (10,000 yen) of ATM1.
  • ATM1 since the cassette 1 (1,000 yen) is full, a deposit transaction cannot be performed, and since the cassette 2 (10,000 yen) is empty, a withdrawal transaction of 10,000 yen cannot be performed. It is shown that.
  • cassette 2 (10,000 yen) since cassette 2 (10,000 yen) is full, no deposit transaction can be made, and since cassette 1 (1,000 yen) is empty, 1,000 yen cannot be withdrawn. It shows that there is.
  • ATM1 is withdrawn. Since ATM1 cassette 1 (1,000 yen) and cassette 2 (10,000 yen) are both full, it indicates that ATM2 is dedicated to deposit transactions. In this state, for example, when ATM1 and ATM2 are installed, the user wishes to use either ATM1 or one of the automatic transaction apparatuses 1 regardless of whether the user wishes to perform a deposit transaction or a withdrawal transaction. Can conduct financial transactions.
  • the information stored in the cash transfer candidate management table 14 may be simply indicated by characters and a table, as shown in FIG. 16 or FIG. It may be shown in the figure. Or you may display combining a character, a table
  • FIG. 18 is an example of a diagram showing the location information management table 16.
  • the location information management table 16 stores information such as the ATM number, address, latitude, and longitude of the automatic transaction apparatus 1.
  • the ATM number is information that uniquely identifies the automatic transaction apparatus 1.
  • ATM1 is installed in XX prefecture ⁇ city ⁇ town 1-2-3, and its latitude and lightness are 35. xxxxxxxx, 136. It shows that it is yyyyyyy.
  • the address, latitude, and longitude are stored as information indicating the position of the automatic transaction apparatus 1, only the address or only the latitude and longitude may be used as long as the position can be specified.
  • FIG. 19 is an example of a diagram showing a work route display on the display unit 51 of the operation terminal 50. Based on the map information obtained from the Internet and the location information of the automatic transaction apparatus 1 stored in the location information management table 16 shown in FIG. Can be displayed on the screen. In FIG. 19, as an example, it can be seen that the positions of ATM1 and ATM2 and the guide route indicating the route from ATM1 to ATM2 are indicated by dotted lines.
  • the directions may be indicated by arrows, etc., or numbers such as (1), (2),... Alternatively, both directions and numbers may be used and displayed.
  • Efficient cash management and cash cassette exchange operation by determining candidate cassettes to be exchanged and indicating work instructions to the workers using the location of the cassette using the position information as in this embodiment It can be performed.
  • FIG. 20 is an example of a diagram showing the work progress management table 18.
  • the work progress management table 18 stores information such as a work ID, a worker, an ATM number that is a target of cash collection work, progress, and time, and an ATM number that is a target of cash replenishment work, progress, and time.
  • worker AAA with worker ID 000001 indicates that cash collection work from ATM1 is completed at 10:00 (10:00), but cash replenishment work at ATM2 is incomplete. Show.
  • the registration of the information stored in the work progress management table 18 is performed by displaying the information stored in the cash transfer candidate management table 14 shown in FIG. 15 on the display unit 51 of the operation terminal 50, and by the user of the operation terminal 50.
  • a record is created in the work progress management table 18 when a work ID and a worker are input from the operation input unit 53 and a cash transfer work (for example, ATM1, ATM2) is selected.
  • a cash transfer work for example, ATM1, ATM2
  • FIG. 21 is an example of a processing sequence showing processing of each device and transmission / reception of information when the cash amount changes due to the cash collection or replenishment work of the worker in the automatic transaction device 1.
  • the automatic transaction apparatus 1 transmits the ATM number and the cash amount information to the management server 80 (S502). ).
  • the management server 80 receives the ATM number and the cash amount information from the automatic transaction apparatus 1, the management server 80 compares the received ATM number with the ATM number stored in the group management table 15, and updates the number of bills stored in the matched record. Then, the received ATM number is compared with the ATM number stored in the work progress management table 18, and the progress and time information of the matched record is updated (S503). Thereafter, the management server 80 transmits the cash collection / replenishment work information as the update result to the operation terminal 50 (S504).
  • the operation terminal 50 displays the received information on the display unit 51 (S505). At this time, the received information is displayed as update information on the display unit 51 (FIG. 20).
  • the work ID is input by the user when creating a record in the work progress management table 18.
  • the management server 80 or the operation terminal 50 may determine and register the work ID. .
  • the user's information is also input by the user, but may be input after the record is created and registered, or may be an arbitrary input item.
  • the information of the worker who has actually collected or replenished cash may be transmitted from the automatic transaction apparatus 1 to the management server 80, and the worker information may be registered in the work progress management table 18 in S503. .
  • the information stored in the work progress management table 18 may be simply indicated by characters and tables, as shown in FIGS. It may be displayed in combination with the figure as in FIG.
  • the management server 80 can grasp the work state in real time, fraud can be avoided.
  • the management server 80 grasps the banknote storage number, operating state, position information, and cash collection / replenishment progress of each automatic transaction apparatus, so that the branch, region, Efficient cash transfer within a regional group can be devised, and the number of cash collection / replenishment times, transport distance, and transport time can be reduced.
  • the automatic transaction apparatus 1 has been described as transmitting information for one vehicle to the management server 80 in FIGS. 10 and 11, but the automatic transaction apparatus 1 is another member of the same automatic transaction apparatus group. After communicating with the automatic transaction apparatus 1 and collecting information such as the ATM number and the number of bills accommodated, the information may be collectively transmitted to the management server 80.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'objet de la présente invention est d'améliorer l'efficacité de la gestion des espèces pour un système de gestion d'espèces global, d'éviter les interruptions de fonctionnement provoquées par une quantité excédentaire ou insuffisante d'espèces dans un guichet automatique et d'améliorer l'efficacité du fonctionnement. L'invention concerne un système de gestion d'espèces qui comporte : une pluralité de dispositifs de transaction automatisée qui stockent des cartouches d'espèces et qui exécutent une transaction en espèces avec un client ; un terminal d'exploitation, comprenant en outre une unité d'affichage qui affiche des volumes d'espèces stockés par les dispositifs de transaction automatisés ; un serveur de gestion d'espèces, qui comprend en outre une unité de stockage qui stocke un tableau de gestion d'état de commande permettant de gérer un état de commande de chacun des dispositifs de transaction automatisés et un tableau de gestion permettant de gérer les volumes d'espèces qui sont stockés dans chacun des dispositifs de transaction automatisée. Sur la base d'informations de dysfonctionnement qui ont été reçues des dispositifs de transaction automatisée, le serveur de gestion d'espèces met à jour le dispositif de transaction automatisée qui a transmis les informations de dysfonctionnement qui sont stockées dans le tableau de gestion d'état de commande pour ne pas permettre de transaction. Sur la base des volumes d'espèces des autres dispositifs de transaction automatisée qui sont stockés dans le tableau de gestion, le serveur de gestion d'espèces détermine les autres dispositifs de transaction automatisée qui sont soumis à un ajout ou à une collecte d'espèces que les dispositifs de transaction automatisée stocke et transmet ces informations au terminal d'exploitation.
PCT/JP2017/028609 2016-08-31 2017-08-07 Système de gestion d'espèces WO2018043048A1 (fr)

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CN113573787A (zh) * 2019-02-04 2021-10-29 环球娱乐株式会社 纸币处理系统

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JP6945509B2 (ja) * 2018-07-24 2021-10-06 日立チャネルソリューションズ株式会社 現金管理装置、現金管理方法、及び現金管理プログラム
JP2020140297A (ja) * 2019-02-27 2020-09-03 グローリー株式会社 貨幣処理システム及び貨幣処理方法

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