WO2018176204A1 - 自动交易装置及其交易处理方法 - Google Patents

自动交易装置及其交易处理方法 Download PDF

Info

Publication number
WO2018176204A1
WO2018176204A1 PCT/CN2017/078362 CN2017078362W WO2018176204A1 WO 2018176204 A1 WO2018176204 A1 WO 2018176204A1 CN 2017078362 W CN2017078362 W CN 2017078362W WO 2018176204 A1 WO2018176204 A1 WO 2018176204A1
Authority
WO
WIPO (PCT)
Prior art keywords
banknote
banknotes
cassette
mixed
channel
Prior art date
Application number
PCT/CN2017/078362
Other languages
English (en)
French (fr)
Inventor
周东
Original Assignee
深圳怡化电脑股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳怡化电脑股份有限公司 filed Critical 深圳怡化电脑股份有限公司
Priority to CN201780000157.6A priority Critical patent/CN107454973A/zh
Priority to PCT/CN2017/078362 priority patent/WO2018176204A1/zh
Publication of WO2018176204A1 publication Critical patent/WO2018176204A1/zh

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/10—Mechanical details
    • G07D11/16—Handling of valuable papers
    • G07D11/18—Diverting into different paths or containers
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/10—Mechanical details
    • G07D11/16—Handling of valuable papers
    • G07D11/165—Picking

Definitions

  • the present invention belongs to the technical field of financial equipment, and particularly relates to an automatic transaction apparatus and a transaction processing method thereof.
  • the circulating cash box is actually a two-way cash box
  • the so-called two-way cash box refers to a banknote that can be deposited and can be taken out.
  • the other is the waste bank
  • the waste box is actually a one-way banknote.
  • the so-called one-way banknote means that only the banknotes that cannot be taken out can be stored.
  • the banknotes generated in the withdrawal transaction are controlled to enter the temporary storage.
  • the banknotes are re-checked and the banknotes are transported to the banknotes through the channel.
  • the so-called banknotes are banknotes that are identified as abnormal by the banknotes.
  • the aforementioned automatic transaction device has a great disadvantage: the banknotes recovered by the withdrawal cannot be recycled, because the banknotes in the general banknotes are banknotes that are added or deposited by the banknote adder, and the banknotes are If the banknotes that have been verified and have relatively good quality are directly recovered and can only enter the waste bins that cannot be discharged, the waste bins will be filled quickly. The banknotes will be cleaned manually and the vulcanized bins will be automatically traded. The device must stop working, affect the use, and the banknote utilization rate is low; the banknotes that are forgotten by the customer after the withdrawal of the money and are recovered by the automatic transaction device are also stored in the waste bank, that is, the existing automatic transaction device is not for the customer.
  • the money and the bank's money are physically distinguished.
  • the bank currently has clear regulations.
  • the customer's money must be deposited with the bank's money to avoid account disputes. Therefore, the bank staff must also have a large amount of money from the waste container.
  • the money collected in the banknotes is separately recorded and stored separately, which is inefficient.
  • the customer's money refers to the banknotes that the customer has forgotten to take away and is recovered by the automatic transaction device after the withdrawal, and the bank's back-office clearing account will be counted as the customer's money, but is physically still inside the machine. It will be booked with the bank's banknotes; the bank's money refers to the bank's money except for the customer's money inside the automatic transaction device, such as the banknotes recovered by the waste banknote, which need to be deposited with the customer's money;
  • the accounting dispute mainly refers to the dispute between the bank and the customer arising from the physical incompatibility between the bank's money and the customer's money.
  • One technical problem to be solved by the present invention is to provide an automatic transaction package that improves the recycling rate of banknotes. Set.
  • the technical solution adopted by the automatic transaction apparatus of the present invention is:
  • the automatic transaction device includes an access bank, a banknote counter, a temporary storage unit, a recirculating cassette, and a banknote transport channel, and between the banknote depositing portion and the banknote counter, the banknote counter and the banknote counter Between the temporary storage portions, between the money detector portion and the banknote access portion, and between the banknote portion and the circulating banknote, the banknote transport channel is electrically connected; a banknote cassette that is recognized by the banknote counter as an abnormal banknote, and a recycling cassette for storing banknotes that are forgotten from the banknote portion after the customer withdraws the money, the mixed banknote is a two-way banknote
  • the collection cassette is a one-way cassette, and the banknote transmission channel is electrically connected between the banknote counter and the mixed banknote and between the banknote counter and the recycling cassette.
  • the banknote transport channel includes a first channel, a second channel, a third channel, a first commutator disposed on the first channel, and a second device disposed on the second channel a commutator;
  • the first passage is configured to open the banknote access portion, the banknote counter portion, and the third channel, and realize a single time for the banknote counterfeiting by reversing the first commutator
  • the portion is electrically connected to the banknote access portion or the third channel;
  • the second channel is connected to the banknote detecting portion, the temporary storage portion, and the access bank portion, and passes through the The commutation of the two commutators realizes a single conduction between the banknote counter and the temporary storage portion or the banknote accessing portion;
  • the third channel turns on the circulating banknote, the mixing a banknote cassette and the recycling cassette.
  • a banknote transport distance between the circulating banknote and the banknote counter, a banknote transport distance between the mixed banknote and the banknote counter, and the recycling cassette may be selected.
  • the banknote transport distance between the banknote counter and the banknote counter is gradually increased.
  • the access bank is located in front of the automatic transaction device, and the circulating banknote, the mixed banknote and the recycling cassette are arranged from front to back; a plurality of roller sets including a plurality of roller sets arranged side by side in the front-rear direction, wherein the circulating cash cassette, the mixed cash cassette, and the recovery cash box respectively have a roller set, the circulating cash box and the mixed storage
  • a third commutator is cooperated with the corresponding roller set above the cash box, and the third channel and the corresponding circulating banknote, the mixed banknote are arranged by the third commutator
  • the box or the recycling cassette is turned on.
  • the banknote transmission distance between the recycling cash box and the money detector portion may also be selected, The banknote transport distance between the banknote cassette and the banknote counter and the banknote transport distance between the banknote cassette and the banknote counter are gradually increased.
  • the access bank is located in front of the automatic transaction device, and the recycling cassette, the circulating cassette and the mixed cassette are arranged from front to back, the third channel a plurality of roller sets including a plurality of roller sets arranged side by side in the front-rear direction, wherein the circulating cash cassette, the mixed cash cassette and the recovery cash box respectively have a roller set, the recycling cash box and the circulating banknote A third commutator is cooperated with the corresponding roller set above the box, and the third channel and the corresponding circulating cash box and the mixed cash box are arranged by the third commutator Or the recycling cassette is turned on.
  • first commutator, the second commutator and the third commutator are chevron commutators.
  • the second channel is a 0-shaped channel.
  • the circulating cash box is set to be plural and each of the circulating banknotes is used for storing banknotes of different denominations.
  • the automatic transaction device has the beneficial effects of: adding a mixed cash cassette and a recycling cash box, and the money forgotten by the customer is directly recovered after being checked by the money detecting department, and can only be collected and cannot be collected.
  • the bank's money is stored in a revolving banknote box and a mixed banknote box that can enter and exit, avoiding the customer's money being mixed in the banknotes, physically distinguishing the customer's money from the bank's money, avoiding the accounting Disputes, the waste banknotes are placed in the mixed cash box, and the money in the mixed cash box can be output again after the automatic trading device is idle, and the banknote identification is again experienced.
  • Another technical problem to be solved by the present invention is to provide a transaction processing method for an automatic transaction apparatus capable of efficiently screening banknotes and improving recycling efficiency of banknotes.
  • the transaction processing method based on the foregoing automatic transaction device includes a withdrawal process and a customer forgetting media process, and further includes a waste banknote screening process; the waste banknote screening processing step includes:
  • the automatic transaction device is idle, extracting banknotes from the mixed cash cassette, and passing through the banknote transport channel And the money detector unit transports the banknotes to the temporary storage unit for temporary storage, and then transports the banknotes temporarily stored in the temporary storage unit to the banknote counter through the banknote transport channel for screening, if the banknotes are
  • the money detector is recognized as normal, it is transported to the circulating banknote via the banknote transport channel, and if the banknote is recognized as abnormal by the banknote detecting section, it is transported to the mix through the banknote transport channel.
  • the banknote cassette is stored until the banknotes temporarily stored in the temporary storage unit are emptied.
  • preset a single waste discarding processing step extracts the number of banknotes from the mixed cash box, if the number of banknotes in the mixed cassette is less than or equal to a preset single screening bill Quantity, extracting all banknotes from the mixed cash box for screening, if the number of banknotes in the mixed banknote is greater than a preset number of single-screened banknotes, extracting a preset number from the mixed banknotes Banknotes are screened.
  • the customer forgetting media processing includes:
  • the customer forgetting medium located in the access bank is transported to the banknote counter via the banknote transport channel, and the banknote counter extracts identification information of the customer forgetting medium, and the automatic transaction device The controller binds the identification information to the customer information, and then delivers the customer forgetting medium to the collection cassette via the banknote transport channel.
  • the withdrawal process includes:
  • a withdrawal transaction extracting banknotes from the recycling cassette, and conveying the banknotes to the banknote counter through the banknote transport passage for banknote verification, and if the banknotes are recognized as normal by the banknote verification section,
  • the banknote transport channel transports the banknote transporting portion to the banknote accessing portion, and if the banknote is recognized as abnormal by the banknote detecting portion, the banknote transporting channel is transported to the temporary storage portion for temporary storage until the banknote is accessed
  • the amount of banknotes accumulated by the Ministry meets the needs of customers;
  • the amount of the banknotes accumulated by the banknote accessing unit reaches the customer's demand, and if the customer confirms that the withdrawal is completed, the withdrawal transaction is ended, and if the customer adds the withdrawal amount, the supplier continues to withdraw
  • the recycling banknote extracts the banknotes until the amount of the banknotes accumulated by the banknote accessing portion reaches the customer's additional Withdrawal needs.
  • the banknotes that the customer puts in the banknote accessing portion are transported to the banknote detecting section via the banknote transporting passage for banknote verification, and the banknotes are transported through the banknote transport channel if the banknotes are recognized as normal by the banknote detecting section. And transporting the temporary bank to the temporary storage unit, and if the banknote is recognized as abnormal by the banknote detecting unit, returning the banknote to the banknote accessing portion via the banknote transporting channel until the customer confirms the deposit
  • the banknote temporarily stored in the deposit is transported to the recycle cassette by the bill transfer passage and the bill detector.
  • the transaction processing method of the automatic transaction device provided by the present invention has the beneficial effects of: easy to operate, and re-screening the banknotes in the mixed cash cassette by using the idle time, which can effectively filter out the normal from the mixed cash box.
  • the banknotes are put into the recycling cash box, which greatly improves the recycling efficiency of the banknotes, reduces the number of times of manual banknote cleaning and daytime, saves labor costs and time, avoids affecting the normal use of the automatic transaction device, and improves the convenience of the automatic transaction device. Sex.
  • FIG. 1 is a schematic structural diagram of an automatic transaction apparatus according to an embodiment of the present application.
  • FIG. 2 is a flowchart of a transaction processing method of an automatic transaction apparatus according to an embodiment of the present application
  • 1-access banknote 2-counterfeit section, 3-temporary section, 4-cycle cassette, 5-banknote transfer channel, 51-first channel, 52-second channel, 53- Third passage, 54-first commutator, 55-second commutator, 56-roller set, 57-third commutator, 6-mixed cassette, 7-retract cassette.
  • the automatic transaction device includes an access banknote portion 1, a banknote counter portion 2, a temporary storage portion 3, a recycle cassette 4 and a banknote transport channel 5, and an access bank portion.
  • the same type includes a storage cassette 6 for storing banknotes recognized as abnormal by the money detector 2, and a recovery cassette 7 for storing banknotes forgotten from the banknote 1 after the customer withdraws money.
  • the mixed cassette 6 is a two-way cassette
  • the collection cassette 7 is a one-way cassette, and between the banknote counter 2 and the mixed cassette 6 and between the banknote counter 2 and the recovery cassette 7 are guided by the banknote transport channel 5. through.
  • the mixed cash cassette 6 and the recovery cassette 7 are added, and the money forgotten by the customer is directly recovered after being checked by the money detector 2, and can only be entered and cannot be collected in the cassette 7.
  • the bank money can be stored in the banknote.
  • the money in the mixed cassette 6 can be output again after the automatic transaction device is idle, and the banknote 2 is again recognized by the banknote 2, and if it is recognized as normal, it is recycled to the cash cassette 4, and if it is identified as abnormal, the income is mixed.
  • the banknote storage box 6 can greatly improve the recycling efficiency of the banknotes, minimize the problem of manual cleaning and recycling of banknotes, and save labor costs and time.
  • the circulating cash box 4 is set to be plural, and each of the circulating banknotes 4 can be used for storing banknotes of different denominations, or even banknotes of different amounts in different currencies.
  • the circulating banknotes 4 can be used for storing banknotes of different denominations, or even banknotes of different amounts in different currencies.
  • Four revolving cassettes can be used to store 100 yuan, 50 yuan, 100 yuan, and 100 yuan.
  • the automatic transaction device uses ⁇ to extract the banknotes from the circulating banknotes 4 corresponding to the denominations of the corresponding (currency) or to deposit the banknotes into the revolving banknotes 4 corresponding to the denominations of the corresponding (currency), which are to be recycled for different amounts of banknotes.
  • ⁇ Storage which can provide customers with banknotes of different denominations, and improve the efficiency of deposit and withdrawal.
  • the banknote transport channel 5 includes a first channel 51, a second channel 52, a third channel 53, a first commutator 54 disposed on the first channel 51, and a second commutator 55 on the second passage 52;
  • the first passage 51 is electrically connected to the banknote portion 1, the banknote portion 2 and the third channel 53, and is realized by the commutation of the first commutator 54 for a single time
  • the money detector 2 is electrically connected to the banknote portion 1 or the third channel 53, that is, a single operation, or the banknote portion 2 and the banknote portion 1 are turned on, or the banknote portion 2 and the third channel 53 are guided.
  • the road 52 turns on the banknote detecting unit 2, the temporary storage unit 3, and the banknote accessing unit 1, and realizes a single time for the banknote detecting unit 2 and the temporary storing unit 3 or the banknote accessing unit 1 by the commutation of the second commutator 55.
  • the banknote counter 2 and the temporary storage unit 3 are turned on, or the banknote counter 2 and the banknote access unit 1 are turned on;
  • the third channel 53 is connected to the circulating banknote 4 and is mixed.
  • the cassette 6 and the recovery cassette 7 can transport the banknotes from the third passage 53 to the recycle cassette 4, the cassette unit 6 or the cassette unit 7, or the recycle cassette 4 or the cassette unit 6
  • the banknote is extracted to the third passage 53.
  • the banknote identified by the banknote counter 2 as being abnormal is returned to the banknote access section 1 through the second channel 52 (ie, a single operation, the second channel 52 only turns on the banknote detecting section 2 and the banknote accessing section 1, and the banknote detecting section 2 And the temporary storage unit 3 is in a non-conducting state), and after the customer confirms the deposit transaction, the banknote banknotes 2, the first channel 51 and the third channel 53 stored in the temporary storage unit 3 are stored in the recycling cassette 4 After the withdrawal operation ⁇ , the banknotes are taken out from the recycle cassette 4, and the banknotes are passed through the third passage 53, the first passage 51.
  • the banknotes are sent to the banknote counter 2, and the banknotes 2 recognize that the normal banknotes are transported to the banknote accessing unit 1 via the second channel 52 for the customer to take away, and the banknotes identified by the banknote counter 2 are transported to the temporary storage section via the second channel 52. 3.
  • the banknotes of the temporary storage unit 3 that are abnormally recognized will be recognized by the banknote portion 2 again. If the identification is normal, the banknotes are transported to the recycle cassette 4, and if the recognition is abnormal, the banknotes are transported to the banknote cassette 6 If a plurality of recirculating cassettes 4 corresponding to banknotes of different denominations are provided, the recognized banknotes can be transported to the revolving cassette 4 corresponding to the denomination.
  • Each channel (i.e., any of the first channel 51, the second channel 52, and the third channel 53) is implemented a single time by a corresponding commutator (i.e., the first commutator 54 and the second commutator 55)
  • a corresponding commutator i.e., the first commutator 54 and the second commutator 55
  • Selectively conducting two functional parts of the plurality of functional parts for example, the first channel 51 only turns on the accessing banknote 1 and the banknote detecting section 2 or only the third channel 53 and the banknote detecting section 2
  • a plurality of functional parts share a transmission channel and are commutated by a corresponding commutator, and the structure is simple and compact, which is advantageous for reducing the volume of the automatic transaction device, and is advantageous for shortening the transmission path of the banknote and improving the working efficiency of the automatic transaction device. , reducing the deposit and withdrawal transactions, can also improve the efficiency of the selection of waste.
  • the banknote transfer distance between the recycle cassette 4 and the banknote counter 2 the banknote transfer distance between the banknote cassette 6 and the banknote counter 2
  • the recycle cassette 7 Paper currency transfer between the banknote counter 2 The distance gradually increases.
  • the access bank 1 is located in front of the automatic transaction device, and the recirculating cassette 4, the mixed cassette 6 and the recovery cassette 7 are arranged from front to back;
  • the plurality of roller sets 56 are arranged side by side in the front-rear direction, and the circulating cash unit 4, the mixed cassette 6 and the recovery cassette 7 respectively have a roller set 56, and the circulating cassette 4 and the mixed cassette 6 are arranged.
  • Each is provided with a third commutator 57 cooperated with the corresponding roller set 56, and the third passage 53 and the corresponding circulating cash unit 4, the mixed cassette 6 or the recovery cassette 7 are guided by the third commutator 57. through.
  • FIG. 1 Taking the automatic transaction device shown in FIG. 1 as an example, there are four recirculating cassettes 4, a mixed cassette unit 6 and a recovery cassette unit 7. When the banknotes are to be in and out of the recovery cassette 7, only the preceding one is required.
  • Each of the third commutators 57 is located in the path of the third channel 53 being transported forward. When the banknotes are moved in and out of the cassette unit 6, only the third commutator before the cassette unit 6 is mixed. 57 is in the path of the third passage 53 for forwarding, and the commutator above the mixed cassette 6 is snoring the path of the third passage 53 to be conveyed downward, and the bills of the other circulating cassettes 4 are mixed in and out.
  • each of the cassettes ie, the recirculating cassette 4, the mixed cassette 6 and the recovery cassette 7
  • one channel ie, the third passage 53
  • the banknotes are
  • the structure is simple and easy to assemble, which is advantageous for reducing the volume of the automatic transaction device and reducing the cost.
  • the banknote transport distance between the cash cassette 7 and the banknote counter 2, the banknote transfer distance between the recycle cassette 4 and the banknote counter 2, and the mixed banknotes is gradually increased.
  • the banknote transport path 5 is required to be adapted to these media. These media may be relatively short, and the pitch of the roller set 56 having the banknote transport path 5 capable of transporting these media needs to be reduced. Too many roller sets 56 inevitably lead to complication of the structure and an increase in cost, so that the banknotes will be recovered.
  • the box 7 is disposed at the foremost end, and the banknotes corresponding to the banknotes after the banknotes 7 are recovered
  • the lane 5 only needs to consider the ability to transport the banknotes, so the distance of the roller set 56 can be suitably larger, reducing the number of roller sets 56, which is advantageous in reducing costs.
  • the access to the normal banknotes is the main work, so the recycling of the cash cassette 4 at the near end is advantageous for shortening the transfer of the banknote between the banknote counter 2 and the circulating banknote 4, thereby improving the work of the automatic transaction device. effectiveness.
  • the access bank 1 is located in front of the automatic transaction device, and the recovery cassette 7, the circulating cassette 4 and the mixed cassette 6 are arranged from front to back, and the third passage 53
  • the plurality of roller sets 56 are arranged side by side in the front-rear direction, and the circulating cash unit 4, the mixed cassette 6 and the recovery cassette 7 respectively have a roller set 56, and the recovery cassette 7 and the circulating cassette 4 are both above.
  • a third commutator 57 is provided for cooperating with the corresponding roller set 56, and the third passage 53 is electrically connected to the corresponding circulating cassette 4, the mixed cassette 6 or the recovery cassette 7 by the third commutator 57.
  • each of the cassettes ie, the recirculating cassette 4, the mixed cassette 6 and the recovery cassette 7) can share one channel (ie, the third passage 53) for banknote transfer, and the banknotes are
  • the third passage 53 for banknote transfer
  • the commutator ie, the first commutator 54, the second commutator 55, and the third commutator 57 are collectively referred to as a channel) (ie, the first channel) 51, the second channel 52 and the third channel 53 collectively) the guiding device at the bifurcation, can be connected to a certain two branch channels, for example, the second channel 52 can be connected through the guiding of the second commutator 55 in FIG.
  • the banknote portion 2 and the temporary storage portion 3 are connected to the banknote counter portion 2 and the banknote access portion 1.
  • the first commutator 54, the second commutator 55 and the third commutator 57 are chevron commutators; the angle of the chevron commutator is adjusted as needed to match the power provided by the roller set 56 for the banknotes
  • the transfer direction can be switched at will and the transmission path can be flexibly configured to guide the banknotes to three different destinations.
  • the structure is simple and compact, which is beneficial to reduce cost and volume, and improve the efficiency of the banknote transport channel 5 for transporting banknotes.
  • the second channel 52 is a 0-shaped channel.
  • the banknotes can be automatically transported from the banknote counter 2 to the banknote depositing unit 1 in the direction of the withdrawal, or can be transported from the banknote counter 2 to the temporary depositing unit 3, and the banknotes can be transported from the temporary storage section 3 to the inspection after confirming the deposit.
  • the banknote portion 2 realizes the conveyance of banknotes in a plurality of path directions by a simple structure, which is advantageous in reducing cost and volume, and improving the efficiency of transporting the banknotes by the banknote transport path 5.
  • the size of the recovery cassette 7 in the front-rear direction is smaller than that of the mixed cassette 6 The size in the front and rear direction.
  • the size of the recycling cassette 7 can be appropriately small, which is advantageous for reducing the volume of the automatic transaction device.
  • the money detector unit 2 is located directly below the banknote depositing unit 1, and the temporary storage unit 3 is located behind the banknote depositing unit 1.
  • the structure is simple and compact, which is advantageous for reducing the volume and reducing the cost, and is advantageous for shortening the length of the banknote transport passage 5 and improving the efficiency of the banknote transport.
  • the automatic transaction device described in any of the foregoing embodiments may be used for specific transaction processing involved in the automatic transaction process, such as deposit processing, withdrawal processing, waste screening processing, and customer forgetting media processing, etc., these transactions are automatic transaction devices.
  • the controller controls the relevant features to be completed. The following describes the automatic transaction processing method of the aforementioned automatic transaction device in detail:
  • the transaction processing method of the automatic transaction apparatus includes:
  • step S1 withdrawal processing; the step S1 specifically includes:
  • the banknotes outputted by the circulating cassette 4 are screened by the step S11, the abnormally recognized banknotes are removed and stored in the temporary storage unit 3 for screening again, and only the normal recognized banknotes are output to the depositing and dispensing section 1 for the customer to withdraw money. Avoiding the disputes between customers and banks caused by the banknotes provided to customers, and avoiding the inflow of banknotes that do not meet the circulation standards, which makes it difficult for banks to recycle and destroy abnormal banknotes, especially if counterfeit money flows into the market.
  • Consequences the abnormal banknotes removed by the withdrawal transaction step in step S12 are again screened (ie, identified by the banknote counter 2), and the normal banknotes are stored in the recycle cassette 4, and the abnormal banknotes are stored in the two-way mixed banknotes. Box 6, improve the utilization rate of banknotes and reduce the amount of banknotes; comprehensively, the withdrawal process avoids the provision of abnormal banknotes to customers, and avoids false detections resulting in normal
  • the problem that the banknote is misplaced as an abnormal banknote and stored in the one-way banknote is low in the utilization rate of the banknote, and the recycling rate of the banknote is improved.
  • step S11 is as follows:
  • the banknotes are taken from the recycling cassette 4, and the banknotes are transported to the banknote counter 2 via the banknote transport channel 5 (specifically via the third channel 53 and the first channel 51);
  • the banknote counter 2 identifies whether the banknote is normal; if yes (ie, the banknote is recognized as normal by the banknote counter 2), step S114 is performed; if not (ie, if the banknote is recognized as abnormal by the banknote counter 2), then Step S115 is performed; the banknotes that arrive at the banknote counter 2 may have counterfeit coins, damaged coins, denominations, denominations, undecided coins that cannot be used for normal circulation, media that are not banknotes, and non-recycling cassettes. If the banknotes (such as currency or amount do not correspond to the circulating banknotes) do not meet the needs of customers and banks, when the banknotes appear, the banknote counter 2 will determine that the banknotes are identified as abnormal. Similarly, in other steps, the banknote counters 2 After the banknote inspection, the identification of the banknote is determined to be normal or abnormal according to the above situation, and the following will not be repeated here;
  • step S114 through the banknote transport channel 5 (specifically through the second channel 52), the banknotes recognized by the banknote counter 2 as normal are transported to the banknote accessing portion 1, and then step S116 is performed;
  • the banknote transporting channel 5 (specifically, via the second channel 52) transports the banknote identified as abnormal by the banknote detecting unit 2 to the temporary storage unit 3; the second step S115 and the step S114 may be used.
  • the channel 52 transports the banknotes, and the corresponding step S115 or step S114 is performed by the second commutator 55 to the different branches of the second channel 52 (for details, see the structural description of the automatic transaction device part);
  • step S116 by calculation to determine whether the amount of banknotes accumulated by the banknotes 1 reaches the customer's demand; if so, step S117 is performed; if not, step S112 is performed;
  • step S116 the amount of the banknote accumulated by the access banknote 1 reaches the customer's demand, and if the customer confirms that the withdrawal is completed, the single withdrawal transaction is ended, if the customer adds the withdrawal money. If yes, the process may continue to step S112 until the customer confirms that the withdrawal is completed. It is conducive to shortening the withdrawal transaction and submitting the efficiency of the withdrawal transaction.
  • the banknotes that can control the amount of money required by the customer are sequentially transferred from the circulating banknote 4 to the banknote transport channel 5 to the banknote transport channel 5
  • the banknote counter 2, and the banknotes are checked one by one, and the banknotes after the banknotes are correspondingly entered into the banknote accessing section 1 or the temporary storage section 3, and after the entire banknotes of the first batch of banknotes are checked, the first batch of banknotes is calculated.
  • the difference between the total amount of banknotes recognized as normal and the amount of banknotes required by the customer is calculated, and the balance of the banknotes is continuously extracted from the recycle cassette 4
  • banknote verification, amount calculation, and banknote extraction steps until the amount of banknotes recognized by the banknote counter 2 as normal has reached the customer's demand (that is, the accumulated amount of money delivered to the banknote accessing unit 1 reaches the customer's demand). Wait for the customer to confirm that the withdrawal is completed.
  • Banknotes are extracted in batches to shorten the withdrawal transaction, improve the efficiency of the withdrawal transaction, and simplify control. If it is possible to determine the amount of the banknote that identifies the abnormality, it is also possible to add the banknote of the corresponding amount, and further shorten the withdrawal transaction.
  • step S12 is as follows:
  • the temporary storage section 3 temporarily deposited banknotes through the banknote transport channel 5 (specifically, the second channel 52) to the banknote counter 2;
  • step S123 the banknote counter 2 identifies whether the banknote is normal; if yes, step S124 is performed; if not, step S125 is performed;
  • step S124 through the banknote transport channel 5 (specifically through the first channel 51 and the third channel 53), the banknotes identified by the banknote portion 2 as normal banknotes are transported to the recycling banknote 4, and then step S126;
  • step S125 through the banknote transport channel 5 (specifically, through the first channel 51 and the third channel 53), the banknotes recognized as abnormal by the money detector 2 are transported to the banknote cassette 6, and then step S126 is performed; Both the S124 and the step S12 5 can use the third channel 53 to transport the banknotes. Specifically, the step S124 or the step S125 is performed by the third commutator to the different branches of the third channel 53 (for details, see the aforementioned automatic transaction device part). Structure description);
  • step S126 determining whether the banknote temporarily stored in the temporary storage unit 3 has been emptied, and if so, executing step S127, if otherwise, executing step S122; [0076] S127. Ending the withdrawal transaction step to temporarily collect the banknotes stored in the temporary storage unit 3.
  • Step S12 of the process is used to recover abnormal banknotes, so as to ensure that the abnormal banknotes detected in the withdrawal transaction are screened one by one, avoiding the normal banknotes from being mistaken as abnormal banknotes and affecting the recycling rate of the banknotes, and the control is simple, which is beneficial to reducing the amount of banknotes. The control is simple and the screening efficiency is high.
  • the abnormal banknotes that have been removed from the withdrawal transaction step by step S12 are re-screened (ie, identified by the banknote counter 2), and the normal banknotes are stored in the recycle cassette 4, and the abnormal banknotes are stored in the two-way mixed banknotes.
  • Box 6 in general, the withdrawal process avoids the problem of providing abnormal banknotes to the customer, and avoids the problem of low utilization of banknotes caused by mis-inspection causing the normal banknotes to be misplaced into abnormal banknotes and being stored in the one-way banknotes. Cycle utilization, reducing the amount of banknotes.
  • the transaction processing method of the automatic transaction device provided by the embodiment of the present application includes:
  • step S2 the waste money screening process; the step S2 specifically includes:
  • the automatic transaction device is idle, and the banknotes are taken out from the mixed cassette 6 and passed through the banknote transport channel 5 and the banknote counter 2
  • the third channel 53, the first channel 51, the banknote counter 2, and the second channel 52 are transported to the temporary storage portion 3 for temporary storage;
  • banknotes temporarily stored in the temporary storage unit 3 are transported to the banknote counter 2 through the banknote transport path 5 for screening, and if the banknotes are recognized as normal by the banknote counter 2, they are transported to the recycle cassette via the banknote transport path 5. 4. If the banknote is recognized as abnormal by the banknote detecting unit 2, it is transported to the banknote cassette 6 via the banknote transport channel 5; the specific procedure of this step can refer to step S122-S 126 of step S12;
  • the banknotes in the mixed cash cassette 6 are re-screened by the idle time to prevent the normal banknotes from being misjudged as abnormal banknotes, and can only be circulated again after manual cleaning, thereby greatly improving the recycling efficiency of the banknotes and reducing The number of times the banknotes are manually cleaned and the daytime, saving labor costs and daytime.
  • the number of banknotes can be preset from the mixed cash cassette 6 in step S2, if the number of banknotes in the mixed cassette 6 is less than or equal to the preset single.
  • the number of banknotes is screened, all the banknotes are extracted from the mixed cash cassette 6 for screening. If the number of banknotes in the mixed cassette 6 is greater than the preset number of single-screened banknotes, the preset number is extracted from the mixed cassette 6. Banknotes are screened.
  • the banknotes originally in the recycle cassette 4 are necessarily the ones that have been recognized as normal, even if these first time Recognition normal
  • the banknotes have identification errors, so the real non-circulating banknotes are actually a few, and they have been screened once during the withdrawal process and then enter the mixed banknotes 6, and then screened in the subsequent banknote screening process.
  • the banknotes in the box 6 have undergone at least three banknote verification processes, and some of the banknotes that are not too flat have been misjudged even after passing through the banknote counter 2, then in the subsequent multiple banknote screening process, the banknotes pass through the transmission channel.
  • the secondary reversing transmission, the roller rolling, the processing of the banknotes by the functional parts, and the pressure of the banknotes on the banknotes stacked on the banknotes are sufficient to level the uneven banknotes and to recognize the other ones.
  • the probability of misidentifying a normal banknote as an abnormal banknote that cannot be circulated is very small, and usually the accumulation speed of the banknote in the mixed cassette 6 is very slow, so the same banknote may undergo a plurality of waste screening processes, and further The possibility that the banknote is misidentified as an abnormal banknote that cannot be circulated is reduced, so that the number of banknotes can be screened according to a preset single time.
  • the abnormal banknotes that have undergone multiple banknote verification processes at the bottom of the cassette 6 can be no longer extracted, and only the upper banknotes in the mixed cassette 6 are extracted. On the one hand, the efficiency of screening and mixing the banknotes is shortened, and the step S2 is avoided.
  • the automatic transaction device is occupied during the day, and the customer is used to use the automatic transaction device.
  • the storage space of the temporary storage unit 3 can be set small, and the miniaturization of the temporary storage unit 3 is advantageous for reducing the volume of the automatic transaction device.
  • the volume of the temporary storage unit 3 can be set to a size capable of accommodating 200 sheets of 100 yuan, and the banknotes extracted from the mixed cassette 6 can be preset in a single step S2.
  • the number can not exceed 200 sheets, which is beneficial to the miniaturization of automatic trading devices, and can improve the recycling efficiency of banknotes, reduce the frequency of manual banknote cleaning, and can accurately select the probability and automatic of abnormal banknotes by local automatic trading device withdrawal.
  • the transaction processing method of the automatic transaction device provided by the embodiment of the present application further includes:
  • step S3 the media forgotten by the customer is distinguished from the money of the bank, and the identification information of the forgotten media is extracted, so that the customer can claim his finances and avoid disputes between the bank and the customer.
  • the transaction processing method of the automatic transaction device provided by the embodiment of the present application further includes:
  • S4 deposit transaction: the banknotes into which the customer is placed in the banknote accessing unit 1 are transported to the banknote counter 2 through the banknote transport channel 5 (specifically via the first channel 51) for banknote verification, and if the banknote is in the banknote counter 2 If it is recognized as normal, it will be transported to the temporary storage unit 3 temporarily through the banknote transport channel 5 (specifically via the second channel 52), and if the banknote is recognized as abnormal by the banknote detecting unit 2, the banknote transport channel 5 may be The second channel 52) returns it to the banknote accessing unit 1 until the customer confirms the deposit, and the banknote temporarily stored in the temporary storage unit 3 passes through the banknote transport channel 5 and the banknote counter 2 (specifically, the second channel 52, the banknote counter The 2 and third passages 53) are conveyed to the recycle cassette 4.
  • the temporary storage unit 3 temporarily stores the normal banknotes, and the abnormal banknotes are recognized, and the banknotes are returned to the banknotes and banknotes. After the customer confirms the deposit, the banknotes are transferred to the recycling banknotes 4, and the bank's money is distinguished from the customers' money, so as to avoid accounting. Disputes, improve deposit efficiency.
  • steps S1, S2, S3 and S4 can all be completed by the automatic transaction device, but they are in no particular order, and a single operation is performed according to the instruction of the controller of the automatic transaction device.
  • the command of the specific controller can be controlled by preset parameters, or can be generated by the customer indication.
  • the recycle cassette 4 is set to be plural, the deposit processing, the withdrawal processing, and the waste screening processing step are performed, and the banknotes are extracted from the recycle cassette 4 corresponding to the corresponding denomination.
  • the banknotes are stored in the recycle cassette 4 corresponding to the corresponding denomination.
  • the banknotes are taken out from the corresponding recirculating cassettes 4 according to the denominations of the banknotes required by the customer, and the banknotes and the debit selection process are temporarily stored in the temporary storage unit 3, and the denominations according to the banknotes will be The banknotes recognized by the banknote counter 2 as normal are transported to the corresponding recirculating cassettes 4.
  • each cycle banknote configuration information can be preset to the controller, and when the banknotes need to be extracted or stored in the recycle banknote, only the current banknotes corresponding to the current (currency and) amount of banknotes are found. can.
  • each revolving cassette can only store or withdraw one currency and denomination and banknotes, and all of this information is centrally configured and managed, that is, the aforementioned revolving cassette configuration information.

Landscapes

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

Abstract

自动交易装置，包括存取钞部(1)、验钞部(2)、暂存部(3)、循环钞箱(4)和纸币传输通道(5)，存取钞部(1)与验钞部(2)之间、验钞部(2)与暂存部(3)之间、验钞部(2)与存取钞部(1)之间及验钞部(2)与循环钞箱(4)之间通过纸币传输通道(5)导通，还包括双向混存钞箱(6)和单向回收钞箱(7)，纸币传输通道(5)导通验钞部(2)、混存钞箱(6)和回收钞箱(7)；混存钞箱(6)内的废钞能够输出至验钞部(2)再次筛选，提高纸币的循环利用效率。基于该自动交易装置的交易处理方法，包括取款处理、废钞筛选处理和顾客遗忘介质处理；高效从混存钞箱(6)中筛选出正常纸币，提高纸币的循环利用效率。

Description

自动交易装置及其交易处理方法 技术领域
[0001] 本发明属于金融设备技术领域， 具体涉及一种自动交易装置及其交易处理方法 背景技术
[0002] 现有自动交易装置的钞箱有两种， 一种是循环钞箱， 循环钞箱实际上是双向钞 箱， 所谓的双向钞箱是指纸币能够存入也能取出的钞箱， 另一种是废钞箱， 废 钞箱实际上是单向钞箱， 所谓的单向钞箱是指只能存入不能取出的钞箱， 先控 制取款交易中产生的废钞进入到暂存部， 在交易确定后再次验钞并通过输道通 道将废钞输送至废钞箱， 所谓的废钞是指被验钞部识别为异常的纸币。
[0003] 前述的自动交易装置有很大的缺点： 其取款回收的废钞不能循环利用， 因为一 般钞箱内的纸币都是经过银行加钞员加入或存款存入的纸币， 这些纸币都是经 过验证的且质量相对较好的纸币， 若直接回收到只能进入不能出的废钞箱， 会 导致废钞箱很快就满了， 需经常人工清理废钞， 废钞箱满后自动交易装置就必 须停止工作， 影响使用， 而且纸币利用率较低； 顾客取款后忘记拿走而被自动 交易装置超吋回收的纸币也存到废钞箱， 即现有自动交易装置并没有对顾客的 钱和银行的钱在物理上进行区分， 银行目前都有明确的规定， 顾客的钱必须与 银行的钱分幵存放， 以免账务纠纷， 因此后续还需银行工作人员从废钞箱中大 量的废钞中整理出顾客的钱单独记账、 单独存放， 效率低。
[0004] 其中， 顾客的钱指顾客取款后忘记拿走而被自动交易装置超吋回收的纸币， 此 吋银行后台清机记账吋会算作顾客的钱， 只是物理上还在机器内部， 其会与银 行的纸币分幵记账； 银行的钱指自动交易装置内部除顾客的钱之外的都属于银 行的钱， 如废钞箱回收的纸币， 其需要与顾客的钱分幵存放； 账务纠纷主要指 银行的钱与顾客的钱之间在物理上不能区分而产生的银行与顾客之间的纠纷。 技术问题
[0005] 本发明所要解决的一个技术问题在于提供提高纸币的循环利用率的自动交易装 置。
问题的解决方案
技术解决方案
[0006] 为解决上述技术问题， 本发明自动交易装置采用的技术方案是：
[0007] 自动交易装置， 包括存取钞部、 验钞部、 暂存部、 循环钞箱和纸币传输通道， 所述存取钞部与所述验钞部之间、 所述验钞部与所述暂存部之间、 所述验钞部 与所述存取钞部之间及所述验钞部与所述循环钞箱之间通过所述纸币传输通道 导通； 还包括用于存放被所述验钞部识别为异常的纸币的混存钞箱和用于存放 顾客取款后忘记从所述存取钞部拿走的纸币的回收钞箱， 所述混存钞箱为双向 钞箱， 所述回收钞箱为单向钞箱， 所述验钞部与所述混存钞箱之间及所述验钞 部与回收钞箱之间通过所述纸币传输通道导通。
[0008] 进一步地， 所述纸币传输通道包括第一通道、 第二通道、 第三通道、 设于所述 第一通道上的第一换向器和设于所述第二通道上的第二换向器； 所述第一通道 导通所述存取钞部、 所述验钞部和所述第三通道， 并通过所述第一换向器的换 向实现单次为所述验钞部与所述存取钞部或所述第三通道之间导通； 所述第二 通道导通所述验钞部、 所述暂存部和所述存取钞部， 并通过所述第二换向器的 换向实现单次为所述验钞部与所述暂存部或所述存取钞部之间导通； 所述第三 通道导通所述循环钞箱、 所述混存钞箱和所述回收钞箱。
[0009] 进一步地， 可选择所述循环钞箱与所述验钞部之间的纸币传输距离、 所述混存 钞箱与所述验钞部之间的纸币传输距离和所述回收钞箱与所述验钞部之间的纸 币传输距离逐渐增大。
[0010] 更进一步地， 所述存取钞部位于所述自动交易装置的前方， 所述循环钞箱、 所 述混存钞箱和所述回收钞箱从前至后排列； 所述第三通道包括在前后方向并排 间隔设置的多个辊轮组， 所述循环钞箱、 所述混存钞箱和所述回收钞箱均对应 有一个辊轮组， 所述循环钞箱和所述混存钞箱上方均设有与相应的所述辊轮组 配合的第三换向器， 通过所述第三换向器将所述第三通道与相应的所述循环钞 箱、 所述混存钞箱或所述回收钞箱导通。
[0011] 进一步地， 还可选择所述回收钞箱与所述验钞部之间的纸币传输距离、 所述循 环钞箱与所述验钞部之间的纸币传输距离和所述混存钞箱与所述验钞部之间的 纸币传输距离逐渐增大。
[0012] 更进一步地， 所述存取钞部位于所述自动交易装置的前方， 所述回收钞箱、 所 述循环钞箱和所述混存钞箱从前至后排列， 所述第三通道包括在前后方向并排 间隔设置的多个辊轮组， 所述循环钞箱、 所述混存钞箱和所述回收钞箱均对应 有一个辊轮组， 所述回收钞箱和所述循环钞箱上方均设有与相应的所述辊轮组 配合的第三换向器， 通过所述第三换向器将所述第三通道与相应的所述循环钞 箱、 所述混存钞箱或所述回收钞箱导通。
[0013] 进一步地， 所述第一换向器、 所述第二换向器和所述第三换向器为人字形换向 器。
[0014] 进一步地， 所述第二通道为 0形通道。
[0015] 进一步地， 所述循环钞箱设为多个且各所述循环钞箱用于收纳不同面额的纸币
[0016] 本发明提供的自动交易装置的有益效果在于： 增设了混存钞箱和回收钞箱， 顾 客忘取的钱经过验钞部验钞后直接回收到只能进入、 不能出来回收钞箱内， 银 行的钱存放在能够进入也能够出来的循环钞箱和混存钞箱中， 避免顾客的钱混 在废钞中， 从物理上把顾客的钱和银行的钱区分幵来， 避免账务纠纷， 废钞收 放在混存钞箱， 混存钞箱内的钱可以在自动交易装置空闲吋再次输出， 再次经 验钞部识别， 若识别为正常则收入循环钞箱， 若识别为异常则收入混存钞箱， 这样能够极大的提高纸币的循环利用效率， 尽量减少人工清理回收纸币的问题 ， 节省人工成本和吋间。
[0017] 本发明所要解决的另一个技术问题在于提供一种能够高效筛选纸币， 提高纸币 的循环利用率的自动交易装置的交易处理方法。
[0018] 为解决上述技术问题， 本发明自动交易装置的交易处理方法采用的技术方案是
[0019] 基于前述自动交易装置的交易处理方法， 包括取款处理和顾客遗忘介质处理， 还包括废钞筛选处理； 所述废钞筛选处理步骤包括：
[0020] 所述自动交易装置空闲吋， 从所述混存钞箱提取纸币， 并经所述纸币传输通道 和所述验钞部将纸币输送至所述暂存部进行暂存， 再将所述暂存部暂存的纸币 逐一经所述纸币传输通道输送至所述验钞部进行筛选， 若纸币被所述验钞部识 别为正常则经所述纸币传输通道将其输送至所述循环钞箱， 若纸币被所述验钞 部识别为异常则经所述纸币传输通道将其输送至所述混存钞箱， 直至清空所述 暂存部暂存的纸币。
[0021] 进一步地， 预设单次所述废钞筛选处理步骤从所述混存钞箱提取纸币的数量， 若所述混存钞箱中的纸币数量小于或等于预设的单次筛选纸币数量， 则从所述 混存钞箱提取全部纸币进行筛选， 若所述混存钞箱中的纸币数量大于预设的单 次筛选纸币数量， 则从所述混存钞箱提取预设数量的纸币进行筛选。
[0022] 进一步地， 所述顾客遗忘介质处理包括：
[0023] 将位于所述存取钞部的顾客遗忘介质经所述纸币传输通道输送至所述验钞部， 所述验钞部提取所述顾客遗忘介质的识别信息， 所述自动交易装置的控制器将 所述识别信息与所述顾客信息绑定， 再将所述顾客遗忘介质经所述纸币传输通 道输送至所述回收钞箱。
[0024] 进一步地， 所述取款处理包括：
[0025] 取款交易： 从所述循环钞箱提取纸币， 并经所述纸币传输通道将纸币输送至所 述验钞部进行验钞， 若纸币被所述验钞部识别为正常则经所述纸币传输通道将 其输送至所述存取钞部， 若纸币被所述验钞部识别为异常则经所述纸币传输通 道将其输送至所述暂存部暂存， 直至所述存取钞部累积的纸币金额达到顾客的 需求；
[0026] 回收所述取款交易步骤暂存于所述暂存部的纸币： 在顾客确认取款完毕后， 将 所述暂存部暂存的纸币经所述纸币传输通道输送至所述验钞部， 若纸币被所述 验钞部识别为正常则经所述纸币传输通道将其输送至所述循环钞箱， 若纸币被 所述验钞部识别为异常则经所述纸币传输通道将其输送至所述混存钞箱， 直至 清空所述暂存部暂存的纸币。
[0027] 进一步地， 所述取款交易步骤中， 所述存取钞部累积的纸币金额达到顾客的需 求吋， 若顾客确认取款完毕， 则结束取款交易， 若顾客追加取款金额， 则继续 从所述循环钞箱提取纸币， 直至所述存取钞部累积的纸币金额达到顾客的追加 取款需求。
[0028] 进一步地， 还包括存款交易：
[0029] 将顾客放入所述存取钞部的纸币经所述纸币传输通道输送至所述验钞部进行验 钞， 若纸币被所述验钞部识别为正常则经所述纸币传输通道将其输送至所述暂 存部暂存， 若纸币被所述验钞部识别为异常则经所述纸币传输通道将其返回至 所述存取钞部， 直至顾客确认存款后将所述暂存部暂存的纸币经所述纸币传输 通道和所述验钞部输送至所述循环钞箱。
发明的有益效果
有益效果
[0030] 本发明提供的自动交易装置的交易处理方法的有益效果在于： 易于操作， 利用 空闲吋间对混存钞箱内的纸币进行再次筛选， 既能够高效从混存钞箱中筛选出 正常纸币使其进入循环钞箱， 极大地提高纸币的循环利用效率， 减少人工清理 纸币的次数及吋间， 节省人工成本和吋间， 避免影响自动交易装置的正常使用 ， 提高自动交易装置的使用便利性。
对附图的简要说明
附图说明
[0031] 图 1为本申请实施例提供的自动交易装置的结构示意图；
[0032] 图 2为本申请实施例提供的自动交易装置的交易处理方法流程图；
[0033] 其中： 1-存取钞部、 2-验钞部、 3-暂存部、 4-循环钞箱、 5-纸币传输通道、 51- 第一通道、 52-第二通道、 53-第三通道、 54-第一换向器、 55-第二换向器、 56-辊 轮组、 57-第三换向器、 6-混存钞箱、 7-回收钞箱。
本发明的实施方式
[0034] 为了使本申请的目的、 技术方案及优点更加清楚明白， 以下结合附图及实施例 ， 对本申请进行进一步详细说明。 应当理解， 此处描述的具体实施例仅仅用以 解释本申请， 并不用于限定本申请。
[0035] 需要说明的是， 当元件被称为 "固定于"或"设置于"另一个元件， 它可以直接在 另一个元件上或可能同吋存在居中元件。 当一个元件被称为是 "连接于"另一个元 件， 它可以是直接连接到另一个元件或者可能同吋存在居中元件。
[0036] 如图 1所示， 本申请实施例提供的自动交易装置， 包括存取钞部 1、 验钞部 2、 暂存部 3、 循环钞箱 4和纸币传输通道 5， 存取钞部 1与验钞部 2之间、 验钞部 2与 暂存部 3之间、 验钞部 2与存取钞部 1之间及验钞部 2与循环钞箱 4之间通过纸币传 输通道 5导通， 同吋还包括用于存放被验钞部 2识别为异常的纸币的混存钞箱 6和 用于存放顾客取款后忘记从存取钞部 1拿走的纸币的回收钞箱 7， 混存钞箱 6为双 向钞箱， 回收钞箱 7为单向钞箱， 验钞部 2与混存钞箱 6之间及验钞部 2与回收钞 箱 7之间通过纸币传输通道 5导通。
[0037] 增设了混存钞箱 6和回收钞箱 7， 顾客忘取的钱经过验钞部 2验钞后直接回收到 只能进入、 不能出来回收钞箱 7内， 银行的钱存放在能够进入也能够出来的循环 钞箱 4和混存钞箱 6中， 避免顾客的钱混在废钞中， 从物理上把顾客的钱和银行 的钱区分幵来， 避免账务纠纷， 废钞收放在混存钞箱 6， 混存钞箱 6内的钱可以 在自动交易装置空闲吋再次输出， 再次经验钞部 2识别， 若识别为正常则收入循 环钞箱 4， 若识别为异常则收入混存钞箱 6， 这样能够极大的提高纸币的循环利 用效率， 尽量减少人工清理回收纸币的问题， 节省人工成本和吋间。
[0038] 具体地， 在本申请实施例中， 循环钞箱 4设为多个， 各循环钞箱 4可用于收纳不 同面额的纸币， 甚至不同币种不同金额的纸币。 以设置四个循环钞箱为例： 四 个循环钞箱可分别用于收纳 100元人民币， 50元人民币， 100元港币， 100元澳门 币。 自动交易装置使用吋， 从对应相应 （币种的） 面额的循环钞箱 4提取纸币或 将纸币存入对应相应 （币种的） 面额的循环钞箱 4， 即将循环使用的不同金额的 纸币分幵存放， 既能够为顾客提供不同面额的纸币， 又有利于提高存、 取款效 率。
[0039] 进一步地， 在本申请实施例中， 纸币传输通道 5包括第一通道 51、 第二通道 52 、 第三通道 53、 设于第一通道 51上的第一换向器 54和设于第二通道 52上的第二 换向器 55 ; 第一通道 51导通存取钞部 1、 验钞部 2和第三通道 53， 并通过第一换 向器 54的换向实现单次为验钞部 2与存取钞部 1或第三通道 53之间导通， 即单次 操作吋要么验钞部 2与存取钞部 1导通， 要么验钞部 2与第三通道 53导通； 第二通 道 52导通验钞部 2、 暂存部 3和存取钞部 1， 并通过第二换向器 55的换向实现单次 为验钞部 2与暂存部 3或存取钞部 1之间导通， 即单次操作吋要么验钞部 2与暂存 部 3导通， 要么验钞部 2与存取钞部 1导通； 第三通道 53导通循环钞箱 4、 混存钞 箱 6和回收钞箱 7， 既能够将从第三通道 53将纸币输送至循环钞箱 4、 混存钞箱 6 或回收钞箱 7， 也能够从循环钞箱 4或混存钞箱 6将纸币提取到第三通道 53。
[0040] 通过换向器实现相应通道导通的功能部的切换， 存款操作吋， 顾客放置在存取 钞部 1的纸币经第一通道 51进入验钞部 2 (即单次操作， 第一通道 51只导通验钞 部 2与存取钞部 1， 此吋验钞部 2与第三通道 53之间处于非导通状态） ， 在验钞部 2识别正常的纸币通过第二通道 52进入暂存部 3 (即单次操作， 第二通道 52只导 通验钞部 2与暂存部 3， 此吋验钞部 2与存取钞部 1之间处于非导通状态） ， 被验 钞部 2识别为异常的纸币通过第二通道 52返回存取钞部 1 (即单次操作， 第二通 道 52只导通验钞部 2与存取钞部 1， 此吋验钞部 2与暂存部 3之间处于非导通状态 ) ， 待顾客确认存款交易后， 再将暂存部 3存放的纸币经验钞部 2、 第一通道 51 和第三通道 53存入循环钞箱 4; 取款操作吋， 从循环钞箱 4中提取纸币， 并通过 第三通道 53、 第一通道 51将纸币输送至验钞部 2， 验钞部 2识别正常的纸币经第 二通道 52输送至存取钞部 1供顾客取走， 验钞部 2识别异常的纸币经第二通道 52 输送至暂存部 3， 在顾客完成取款操作后， 暂存部 3的识别异常的纸币会再次经 验钞部 2识别， 若识别正常， 则输送至循环钞箱 4， 若识别异常， 则输送到混存 钞箱 6， 若设有多个对应不同面额的纸币的循环钞箱 4， 则将识别出的纸币输送 至对应面额的循环钞箱 4即可。 每个通道 （即第一通道 51、 第二通道 52和第三通 道 53中的任何一个通道） 都通过相应换向器 （即第一换向器 54和第二换向器 55 ) 实现单次将多个功能部中的两个功能部选择性导通， 如第一通道 51单次只导 通存取钞部 1和验钞部 2或者只导通第三通道 53和验钞部 2， 多个功能部共用一个 传输通道， 并通过相应的换向器来换向， 结构简单、 紧凑， 有利于缩小自动交 易装置的体积， 还有利于缩短纸币的传输路径， 提高自动交易装置的工作效率 ， 减少存、 取款交易吋间， 还能够提高废钞的筛选效率。
[0041] 进一步地， 在本申请实施例中， 循环钞箱 4与验钞部 2之间的纸币传输距离、 混 存钞箱 6与验钞部 2之间的纸币传输距离和回收钞箱 7与验钞部 2之间的纸币传输 距离逐渐增大。
[0042] 需要回收纸币的情况极少出现， 而且回收钞箱 7只进不出， 所以将回收钞箱 7设 置在远端， 有利于提高自动交易装置的工作效率， 而存取正常纸币的情况是主 要工作， 因此将循环钞箱 4设置在近端， 有利于缩短纸币在验钞部 2与循环钞箱 4 之间传输的吋间， 进一步提高自动交易装置的工作效率。
[0043] 更进一步地， 在本申请实施例中， 存取钞部 1位于自动交易装置的前方， 循环 钞箱 4、 混存钞箱 6和回收钞箱 7从前至后排列； 第三通道 53包括在前后方向并排 间隔设置的多个辊轮组 56， 循环钞箱 4、 混存钞箱 6和回收钞箱 7均对应有一个辊 轮组 56， 循环钞箱 4和混存钞箱 6上方均设有与相应的辊轮组 56配合的第三换向 器 57， 通过第三换向器 57将第三通道 53与相应的循环钞箱 4、 混存钞箱 6或回收 钞箱 7导通。
[0044] 以图 1所示自动交易装置为例， 具有四个循环钞箱 4、 混存钞箱 6和回收钞箱 7， 当纸币在要在回收钞箱 7进出吋， 只需在前的各第三换向器 57都处于打幵第三通 道 53向前输送的路径即可， 当纸币在混存钞箱 6进出吋， 只需在混存钞箱 6之前 的各第三换向器 57都处于打幵第三通道 53向前输送的路径， 而混存钞箱 6上方的 换向器打幵第三通道 53向下输送的路径即可， 其它循环钞箱 4的纸币进出跟混存 钞箱 6同理， 不再赘述。 通过第三换向器 57的设置， 使得各钞箱 （即循环钞箱 4 、 混存钞箱 6和回收钞箱 7) 能够共用一个通道 （即第三通道 53) 来进行纸币传 输， 纸币在某钞箱进出吋， 只需控制第三换向器 57相应换向即可， 结构简单、 易于装配， 有利于缩小自动交易装置的体积， 有利于降低成本。
[0045] 进一步地， 在本申请另一实施例中， 回收钞箱 7与验钞部 2之间的纸币传输距离 、 循环钞箱 4与验钞部 2之间的纸币传输距离和混存钞箱 6与验钞部 2之间的纸币 传输距离逐渐增大。
[0046] 回收钞箱 7除了回收纸币外， 有吋顾客夹杂在纸币间的其它介质 （如票据） 忘 记取出吋， 也需要回收， 而为了避免卡纸， 需要纸币传输通道 5能够适应这些介 质， 这些介质可能较短， 那么具备输送这些介质能力的纸币传输通道 5的辊轮组 56的间距就需要缩小， 过多的辊轮组 56必然导致结构的复杂化和成本的增加， 因此将回收钞箱 7设置在最前端， 在回收钞箱 7之后的各钞箱对应的纸币传输通 道 5就只需要考虑传输纸币的能力， 所以辊轮组 56的距离可以适当大一些， 减少 辊轮组 56的数量， 有利于降低成本。 而存取正常纸币的情况是主要工作， 因此 将循环钞箱 4设置在较近端， 有利于缩短纸币在验钞部 2与循环钞箱 4之间传输的 吋间， 提高自动交易装置的工作效率。
[0047] 更进一步地， 在本申请实施例中， 存取钞部 1位于自动交易装置的前方， 回收 钞箱 7、 循环钞箱 4和混存钞箱 6从前至后排列， 第三通道 53包括在前后方向并排 间隔设置的多个辊轮组 56， 循环钞箱 4、 混存钞箱 6和回收钞箱 7均对应有一个辊 轮组 56， 回收钞箱 7和循环钞箱 4上方均设有与相应的辊轮组 56配合的第三换向 器 57， 通过第三换向器 57将第三通道 53与相应的循环钞箱 4、 混存钞箱 6或回收 钞箱 7导通。 通过第三换向器 57的设置， 使得各钞箱 （即循环钞箱 4、 混存钞箱 6 和回收钞箱 7) 能够共用一个通道 （即第三通道 53) 来进行纸币传输， 纸币在某 一个钞箱进出吋， 只需控制第三换向器 57相应换向即可， 结构简单、 易于装配 ， 有利于缩小自动交易装置的体积， 有利于降低成本。
[0048] 具体地， 在本申请实施例中， 换向器 （即第一换向器 54、 第二换向器 55和第三 换向器 57的统称） 是一种通道 （即第一通道 51、 第二通道 52和第三通道 53的统 称） 分叉处的导向器件， 可以连接某两个分支通道， 例如图 1中可通过第二换向 器 55的导向实现第二通道 52连通验钞部 2和暂存部 3或连接验钞部 2和存取钞部 1 。 优选第一换向器 54、 第二换向器 55和第三换向器 57为人字形换向器； 根据需 要对人字形换向器的角度进行调节， 配合辊轮组 56为纸币提供的动力， 即可随 意切换传输方向和灵活配置传输路径， 将纸币导向三个不同的目的地， 结构简 单、 紧凑， 有利于降低成本、 减小体积， 提高纸币传输通道 5对纸币进行输送的 效率。
[0049] 具体地， 在本申请实施例中， 第二通道 52为 0形通道。 能够在取款吋通过动力 方向自动将纸币从验钞部 2输送至存取钞部 1， 或者从验钞部 2输送至暂存部 3， 在确认存款吋将纸币从暂存部 3输送至验钞部 2， 通过简单结构实现了多个路径 方向的纸币输送， 有利于降低成本、 减小体积， 提高纸币传输通道 5对纸币进行 输送的效率。
[0050] 具体地， 在本申请实施例中， 回收钞箱 7在前后方向上的尺寸小于混存钞箱 6在 前后方向上的尺寸。 需要回收纸币的情况极少出现， 所以回收钞箱 7的尺寸可以 适当小一些， 有利于减小自动交易装置的体积。
[0051] 具体地， 在本申请实施例中， 验钞部 2位于存取钞部 1的正下方， 暂存部 3位于 存取钞部 1的后方。 结构简单、 紧凑， 有利于减小体积、 降低成本， 有利于缩短 纸币传输通道 5的长度， 提高纸币输送效率。
[0052]
[0053] 前述任一实施例述及的自动交易装置可用于自动交易过程涉及的具体事务处理 ， 如存款处理、 取款处理、 废钞筛选处理和顾客遗忘介质处理等， 这些事务处 理是自动交易装置的控制器控制相关功能部件完成的。 以下对前述自动交易装 置的自动交易处理方法进行详细说明：
[0054] 如图 2所示， 本申请实施例提供的自动交易装置的交易处理方法， 包括：
[0055] Sl、 取款处理； 该步骤 S1具体包括：
[0056] Sl l、 取款交易： 从循环钞箱 4提取纸币， 并经纸币传输通道 5将纸币输送至验 钞部 2进行验钞， 若纸币被验钞部 2识别为正常则经纸币传输通道 5将其输送至存 取钞部 1， 若纸币被验钞部 2识别为异常则经纸币传输通道 5将其输送至暂存部 3 暂存， 直至存取钞部 1累积的纸币金额达到顾客的需求；
[0057] S12、 回收取款交易步骤暂存于暂存部 3的纸币： 在顾客确认取款完毕后， 将暂 存部 3暂存的纸币经纸币传输通道 5输送至验钞部 2， 若纸币被验钞部 2识别为正 常则经纸币传输通道 5将其输送至循环钞箱 4， 若纸币被验钞部 2识别为异常则经 纸币传输通道 5将其输送至混存钞箱 6， 直至清空暂存部 3暂存的纸币。
[0058] 通过步骤 S11对循环钞箱 4输出的纸币进行了筛选， 剔除识别异常的纸币并存放 到了暂存部 3以便再次筛选， 仅将识别正常的纸币输出到存取钞部 1供顾客取款 ， 避免因提供给顾客的纸币不符合流通标准， 而引起顾客与银行的纠纷， 也避 免不符合流通标准的纸币流入市场而导致银行难以再次回收并销毁异常纸币， 尤其是假币流入市场会导致严重后果； 再通过步骤 S12对取款交易步骤剔除的异 常纸币， 进行了再次筛选 （即通过验钞部 2识别） ， 并将正常纸币收纳到循环钞 箱 4， 将异常纸币收纳到双向的混存钞箱 6， 提高纸币利用率， 减少废钞量； 综 合来说， 取款处理过程既避免了提供异常纸币给顾客， 又避免了误检造成正常 纸币错当成异常纸币而被收纳到单向钞箱而导致的纸币利用率低的问题， 提高 纸币循环利用率。
[0059] 具体地， 在本申请实施例中， 步骤 S 11的流程如下：
[0060] Sl l l、 在接收到顾客取款交易指示后， 幵始取款交易；
[0061] S112、 从循环钞箱 4提取纸币， 并经纸币传输通道 5 (具体可以是经第三通道 53 和第一通道 51) 将纸币输送至验钞部 2;
[0062] S113、 验钞部 2识别纸币是否正常； 若是 （即纸币被验钞部 2识别为正常） ， 则 执行步骤 S114; 若否 （即若纸币被验钞部 2识别为异常） ， 则执行步骤 S115; 到 达验钞部 2的纸币中可能会有假币、 破损币、 面额不符币、 无法确定是否能用于 正常流通的弯折币、 不是纸币的介质、 无循环钞箱与之对应的纸币 （如币种或 金额无对应循环钞箱） 等不符合顾客、 银行需求的情况， 当纸币出现这些情况 吋验钞部 2会判定纸币的识别为异常， 同理在其它步骤中验钞部 2进行验钞吋也 按上述情况判定纸币的识别为正常或异常， 以下不再对此进行赘述；
[0063] S114、 经纸币传输通道 5 (具体可以是经第二通道 52) 将被验钞部 2识别为正常 的纸币输送至存取钞部 1， 再执行步骤 S116;
[0064] S115、 经纸币传输通道 5 (具体可以是经第二通道 52) 将被验钞部 2识别为异常 的纸币输送至暂存部 3暂存； 步骤 S115和步骤 S114都可采用第二通道 52输送纸币 ， 具体对应步骤 S115或步骤 S114是通过第二换向器 55岔幵到了第二通道 52的不 同支路 （具体详见前述自动交易装置部分的结构说明） ；
[0065] S116、 通过计算判断存取钞部 1累积的纸币金额是否达到顾客的需求； 若是， 则执行步骤 S117; 若否， 则执行步骤 S112;
[0066] S117、 待顾客确认取款完毕后， 结束单次取款交易， 即直至存取钞部 1累积的 纸币金额达到顾客的需求， 就可以停止纸币提取， 等待顾客取走存取钞部 1累积 的纸币并确认取款完毕， 就完成了一次取款交易。 利用该取款交易步骤进行取 款交易， 保证对异常纸币进行有效剔除， 避免将不符合流通标准的纸币提供给 顾客， 控制简单， 有利于提高取款交易吋间。
[0067] 具体地， 在本申请实施例中， 步骤 S116中， 存取钞部 1累积的纸币金额达到顾 客的需求吋， 若顾客确认取款完毕， 则结束单次取款交易， 若顾客追加取款金 额， 则可继续执行步骤 S112， 直至顾客确认取款完毕。 有利于缩短取款交易吋 间， 提交取款交易效率。
[0068] 具体地， 在本申请实施例中， 第一次执行步骤 S 112吋， 可以控制顾客需要金额 的纸币 （即第一批提取纸币） 从循环钞箱 4依次经纸币传输通道 5传输至验钞部 2 ， 并逐一进行验钞， 验钞后的纸币相应的进入存取钞部 1或暂存部 3， 待第一批 提取纸币的全部验钞完毕后， 计算第一批提取纸币中识别为正常的纸币总金额 并计算其与顾客需求的纸币金额的差额， 继续从循环钞箱 4提取差额数量的纸币
， 重复前述验钞、 金额计算、 纸币提取步骤， 直至验钞部 2识别为正常的纸币金 额累计达到顾客的需求 （即输送至存取钞部 1纸币的累积金额达到顾客的需求） ， 即可等待顾客确认取款完毕。 纸币成批次提取， 缩短取款交易吋间， 提高取 款交易效率， 简化控制。 若能够判断识别异常的纸币的金额， 也可在此吋追加 相应的金额的纸币提取， 进一步缩短取款交易吋间。
[0069] 具体地， 如图 2所示， 在本申请实施例中， 步骤 S12的流程如下：
[0070] S121、 在顾客确认取款完毕后， 即确认完成步骤 S11后， 幵始回收取款交易步 骤暂存于暂存部 3的纸币；
[0071] S122、 将暂存部 3暂存的纸币经纸币传输通道 5 (具体可以是第二通道 52) 输送 至验钞部 2;
[0072] S123、 验钞部 2识别纸币是否正常； 若是， 则执行步骤 S124; 若否， 则执行步 骤 S125 ;
[0073] S124、 经纸币传输通道 5 (具体可以是经第一通道 51和第三通道 53) 将被验钞 部 2识别为正常的纸币输送至循环钞箱 4， 再执行步骤 S126;
[0074] S125、 经纸币传输通道 5 (具体可以是经第一通道 51和第三通道 53) 将被验钞 部 2识别为异常的纸币输送至混存钞箱 6， 再执行步骤 S126; 步骤 S124和步骤 S12 5都可采用第三通道 53输送纸币， 具体对应步骤 S124或步骤 S125是通过第三换向 器岔幵到了第三通道 53的不同支路 （具体详见前述自动交易装置部分的结构说 明） ；
[0075] S126、 判断暂存部 3暂存的纸币是否已清空， 若是， 则执行步骤 S127， 若否则 执行步骤 S122; [0076] S127、 结束取款交易步骤暂存于暂存部 3的纸币的回收。 采用该流程的步骤 S12 回收异常纸币， 保证对取款交易吋检出的异常纸币逐一再次进行筛选， 避免将 正常纸币错当成异常纸币而影响纸币的循环利用率， 控制简单， 有利于减少废 钞量， 控制简单， 筛选效率高。
[0077] 通过步骤 S12对取款交易步骤剔除的异常纸币， 进行了再次筛选 （即通过验钞 部 2识别） ， 并将正常纸币收纳到循环钞箱 4， 将异常纸币收纳到双向的混存钞 箱 6， 综合来说取款处理过程既避免了提供异常纸币给顾客， 又避免了误检造成 正常纸币错当成异常纸币而被收纳到单向钞箱而导致的纸币利用率低的问题， 增加纸币循环利用率， 减少废钞量。
[0078] 本申请实施例提供的自动交易装置的交易处理方法， 包括：
[0079] S2、 废钞筛选处理； 该步骤 S2具体包括：
[0080] 自动交易装置空闲吋， 从混存钞箱 6提取纸币， 并经纸币传输通道 5和验钞部 2
(具体可以是经第三通道 53、 第一通道 51、 验钞部 2和第二通道 52) 将纸币输送 至暂存部 3进行暂存；
[0081] 将暂存部 3暂存的纸币逐一经纸币传输通道 5输送至验钞部 2进行筛选， 若纸币 被验钞部 2识别为正常则经纸币传输通道 5将其输送至循环钞箱 4， 若纸币被验钞 部 2识别为异常则经纸币传输通道 5将其输送至混存钞箱 6; 该步骤的具体流程可 以参考 S 12步骤的 S 122-S 126步骤；
[0082] 直至清空暂存部 3暂存的纸币， 结束废钞筛选处理。
[0083] 利用空闲吋间对混存钞箱 6内的纸币进行再次筛选， 避免正常纸币误判为异常 纸币而只能等到人工清理后才能再次进行流通， 极大地提高纸币的循环利用效 率， 减少人工清理纸币的次数及吋间， 节省人工成本和吋间。
[0084] 进一步地， 在本申请实施例中， 可预设单次进行步骤 S2吋从混存钞箱 6提取纸 币的数量， 若混存钞箱 6中的纸币数量小于或等于预设的单次筛选纸币数量， 则 从混存钞箱 6提取全部纸币进行筛选， 若混存钞箱 6中的纸币数量大于预设的单 次筛选纸币数量， 则从混存钞箱 6提取预设数量的纸币进行筛选。
[0085] 因为能够进入混存钞箱 6的纸币， 是在取款处理过程中从循环钞箱 4出来的， 原 本在循环钞箱 4中的纸币必然是已经识别正常的纸币， 即便这些第一次识别正常 的纸币存在识别误差， 那么真正的不能流通的废钞其实也是少数， 而且在取款 处理过程已经筛选过一次再进入到混存钞箱 6， 再在后续废钞筛选处理进行筛选 ， 其实混存钞箱 6中的纸币至少经历了三次验钞过程， 部分不是太平整的纸币即 便在经过验钞部 2吋被误判了， 那么后续多次废钞筛选处理过程中， 纸币经传输 通道中的多次换向传输、 辊轮碾压、 各功能部对纸币的处理及纸币整齐堆叠吋 的上面纸币重力对下面纸币的压力作用， 足以将不平整的纸币整平而能正常识 另 lj， 再出现将正常纸币误判为不能流通的异常纸币的概率是非常微小的， 而且 通常纸币在混存钞箱 6的积累速度是很慢地， 因此同一纸币可能还会经过多次废 钞筛选处理， 进一步减低了该纸币是被误判为不能流通的异常纸币的可能性， 因此可以根据预设单次筛选纸币数量， 在混存钞箱 6底部已经历多次验钞过程的 异常纸币可以不再提取出来， 只提取混存钞箱 6内的上层纸币， 一方面， 有利于 缩短筛选混存纸币的效率， 避免因步骤 S2长吋间占用自动交易装置而影响顾客 使用自动交易装置， 另一方面可将暂存部 3的收纳空间设置的较小， 暂存部 3的 小型化有利于减小自动交易装置的体积。 以 100元纸币为人民币最大面额的现状 为例， 可将暂存部 3的体积设置到能容纳 200张 100元人民币的大小， 预设单次进 行步骤 S2吋从混存钞箱 6提取的纸币数量不超过 200张即可， 既利于自动交易装 置的小型化， 又利于提高纸币的循环利用效率， 减少人工清理纸币的频率， 具 体可视当地自动交易装置取款吋筛选出异常纸币的概率和自动交易装置与顾客 进行交易的频率而定。
[0086] 本申请实施例提供的自动交易装置的交易处理方法， 还包括：
[0087] S3、 回收顾客遗忘介质： 位于存取钞部 1且需要顾客取走的介质， 若顾客在预 设的吋间内未取走， 则将该介质视为顾客遗忘介质 （具体可能是顾客遗忘的纸 币或其它票据等） 经纸币传输通道 5 (具体可以是经第一通道 51) 输送至验钞部 2， 验钞部 2提取顾客遗忘介质的识别信息， 自动交易装置的控制器将识别信息 与顾客信息绑定， 再将介质经纸币传输通道 5 (具体可以是经第一通道 51和第三 通道 53) 输送至回收钞箱 7。 通过步骤 S3将顾客遗忘的介质与银行的钱区别幵， 并对顾客遗忘的介质进行了识别信息提取， 以便顾客认领自己的财务， 避免银 行与顾客的纠纷。 [0088] 本申请实施例提供的自动交易装置的交易处理方法， 还包括：
[0089] S4、 存款交易： 将顾客放入存取钞部 1的纸币经纸币传输通道 5 (具体可以经第 一通道 51) 输送至验钞部 2进行验钞， 若纸币被验钞部 2识别为正常则经纸币传 输通道 5 (具体可以经第二通道 52) 将其输送至暂存部 3暂存， 若纸币被验钞部 2 识别为异常则经纸币传输通道 5 (具体可以经第二通道 52) 将其返回至存取钞部 1， 直至顾客确认存款后将暂存部 3暂存的纸币经纸币传输通道 5和验钞部 2 (具 体可以经第二通道 52、 验钞部 2和第三通道 53) 输送至循环钞箱 4。 利用暂存部 3 暂存识别正常纸币， 识别异常纸币则回到存取钞部 1， 待客户确认存款后再输送 至循环钞箱 4， 将银行的钱和顾客的钱区分幵， 避免账务纠纷， 提高存款效率。
[0090] 显然步骤 Sl、 S2、 S3和 S4都能够通过自动交易装置完成， 但它们之间是不分先 后的， 单次操作根据自动交易装置的控制器的指令择一的进行其中一个步骤， 具体控制器的指令可以通过预设参数控制， 也可以通过顾客指示生成指令。
[0091] 具体地， 在本申请实施例中， 若循环钞箱 4设为多个， 则进行存款处理、 取款 处理、 废钞筛选处理步骤吋从对应相应面额的循环钞箱 4提取纸币或将纸币存入 对应相应面额的循环钞箱 4即可。 具体地， 取款交易步骤吋根据顾客需要的纸币 面额从相应的循环钞箱 4提取纸币， 进行回收取款交易暂存于暂存部 3的纸币步 骤和废钞筛选处理步骤吋， 根据纸币面额将被验钞部 2识别为正常的纸币输送至 相应的循环钞箱 4。 循环使用的不同金额的纸币分幵存放， 既能够为顾客提供不 同面额的纸币， 又有利于提高存、 取款效率。 具体地， 可将各循环钞箱配置信 息预设到控制器中， 在需要对循环钞箱进行纸币提取或存入吋， 只需找到当前 (币种和） 金额的纸币对应的循环钞箱即可。 一般每个循环钞箱只能存入或取 出一种币种和面额和纸币， 把所有这些信息进行集中配置管理， 即前述的循环 钞箱配置信息。
[0092] 以上所述仅为本申请的较佳实施例而已， 并不用以限制本申请， 凡在本申请的 精神和原则之内所作的任何修改、 等同替换和改进等， 均应包含在本申请的保 护范围之内。

Claims

权利要求书
[权利要求 1] 自动交易装置， 包括存取钞部、 验钞部、 暂存部、 循环钞箱和纸币传 输通道， 所述存取钞部与所述验钞部之间、 所述验钞部与所述暂存部 之间、 所述验钞部与所述存取钞部之间及所述验钞部与所述循环钞箱 之间通过所述纸币传输通道导通， 其特征在于， 还包括用于存放被所 述验钞部识别为异常的纸币的混存钞箱和用于存放顾客取款后忘记从 所述存取钞部拿走的纸币的回收钞箱， 所述混存钞箱为双向钞箱， 所 述回收钞箱为单向钞箱， 所述验钞部与所述混存钞箱之间及所述验钞 部与回收钞箱之间通过所述纸币传输通道导通。
[权利要求 2] 根据权利要求 1所述的自动交易装置， 其特征在于， 所述纸币传输通 道包括第一通道、 第二通道、 第三通道、 设于所述第一通道上的第一 换向器和设于所述第二通道上的第二换向器； 所述第一通道导通所述 存取钞部、 所述验钞部和所述第三通道， 并通过所述第一换向器的换 向实现单次为所述验钞部与所述存取钞部或所述第三通道之间导通； 所述第二通道导通所述验钞部、 所述暂存部和所述存取钞部， 并通过 所述第二换向器的换向实现单次为所述验钞部与所述暂存部或所述存 取钞部之间导通； 所述第三通道导通所述循环钞箱、 所述混存钞箱和 所述回收钞箱。
[权利要求 3] 根据权利要求 2所述的自动交易装置， 其特征在于， 所述循环钞箱与 所述验钞部之间的纸币传输距离、 所述混存钞箱与所述验钞部之间的 纸币传输距离和所述回收钞箱与所述验钞部之间的纸币传输距离逐渐 增大。
[权利要求 4] 根据权利要求 3所述的自动交易装置， 其特征在于， 所述存取钞部位 于所述自动交易装置的前方， 所述循环钞箱、 所述混存钞箱和所述回 收钞箱从前至后排列； 所述第三通道包括在前后方向并排间隔设置的 多个辊轮组， 所述循环钞箱、 所述混存钞箱和所述回收钞箱均对应有 一个辊轮组， 所述循环钞箱和所述混存钞箱上方均设有与相应的所述 辊轮组配合的第三换向器， 通过所述第三换向器将所述第三通道与相 应的所述循环钞箱、 所述混存钞箱或所述回收钞箱导通。
根据权利要求 2所述的自动交易装置， 其特征在于， 所述回收钞箱与 所述验钞部之间的纸币传输距离、 所述循环钞箱与所述验钞部之间的 纸币传输距离和所述混存钞箱与所述验钞部之间的纸币传输距离逐渐 增大。
根据权利要求 5所述的自动交易装置， 其特征在于， 所述存取钞部位 于所述自动交易装置的前方， 所述回收钞箱、 所述循环钞箱和所述混 存钞箱从前至后排列， 所述第三通道包括在前后方向并排间隔设置的 多个辊轮组， 所述循环钞箱、 所述混存钞箱和所述回收钞箱均对应有 一个辊轮组， 所述回收钞箱和所述循环钞箱上方均设有与相应的所述 辊轮组配合的第三换向器， 通过所述第三换向器将所述第三通道与相 应的所述循环钞箱、 所述混存钞箱或所述回收钞箱导通。
根据权利要求 4或 6所述的自动交易装置， 其特征在于， 所述第一换向 器、 所述第二换向器和所述第三换向器为人字形换向器。
根据权利要求 4或 6所述的自动交易装置， 其特征在于， 所述第二通道 为 0形通道。
根据权利要求 1所述的自动交易装置， 其特征在于， 所述循环钞箱设 为多个且各所述循环钞箱用于收纳不同面额的纸币。
基于权利要求 1-9中任一项所述的自动交易装置的交易处理方法， 包 括取款处理和顾客遗忘介质处理， 其特征在于， 还包括废钞筛选处理 ； 所述废钞筛选处理步骤包括：
所述自动交易装置空闲吋， 从所述混存钞箱提取纸币， 并经所述纸币 传输通道和所述验钞部将纸币输送至所述暂存部进行暂存， 再将所述 暂存部暂存的纸币逐一经所述纸币传输通道输送至所述验钞部进行筛 选， 若纸币被所述验钞部识别为正常则经所述纸币传输通道将其输送 至所述循环钞箱， 若纸币被所述验钞部识别为异常则经所述纸币传输 通道将其输送至所述混存钞箱， 直至清空所述暂存部暂存的纸币。 根据权利要求 10所述的自动交易装置的交易处理方法， 其特征在于， 预设单次所述废钞筛选处理步骤从所述混存钞箱提取纸币的数量， 若 所述混存钞箱中的纸币数量小于或等于预设的单次筛选纸币数量， 则 从所述混存钞箱提取全部纸币进行筛选， 若所述混存钞箱中的纸币数 量大于预设的单次筛选纸币数量， 则从所述混存钞箱提取预设数量的 纸币进行筛选。
[权利要求 12] 根据权利要求 10所述的自动交易装置的交易处理方法， 其特征在于， 所述顾客遗忘介质处理包括：
将位于所述存取钞部的顾客遗忘介质经所述纸币传输通道输送至所述 验钞部， 所述验钞部提取所述顾客遗忘介质的识别信息， 所述自动交 易装置的控制器将所述识别信息与所述顾客信息绑定， 再将所述顾客 遗忘介质经所述纸币传输通道输送至所述回收钞箱。
[权利要求 13] 根据权利要求 10-12中任一项所述的自动交易装置的交易处理方法， 其特征在于， 所述取款处理包括：
取款交易： 从所述循环钞箱提取纸币， 并经所述纸币传输通道将纸币 输送至所述验钞部进行验钞， 若纸币被所述验钞部识别为正常则经所 述纸币传输通道将其输送至所述存取钞部， 若纸币被所述验钞部识别 为异常则经所述纸币传输通道将其输送至所述暂存部暂存， 直至所述 存取钞部累积的纸币金额达到顾客的需求；
回收所述取款交易步骤暂存于所述暂存部的纸币： 在顾客确认取款完 毕后， 将所述暂存部暂存的纸币经所述纸币传输通道输送至所述验钞 部， 若纸币被所述验钞部识别为正常则经所述纸币传输通道将其输送 至所述循环钞箱， 若纸币被所述验钞部识别为异常则经所述纸币传输 通道将其输送至所述混存钞箱， 直至清空所述暂存部暂存的纸币。
[权利要求 14] 根据权利要求 13所述的自动交易装置的交易处理方法， 其特征在于， 所述取款交易步骤中， 所述存取钞部累积的纸币金额达到顾客的需求 吋， 若顾客确认取款完毕， 则结束取款交易， 若顾客追加取款金额， 则继续从所述循环钞箱提取纸币， 直至所述存取钞部累积的纸币金额 达到顾客的追加取款需求。 [权利要求 15] 根据权利要求 10-12中任一项所述的自动交易装置的交易处理方法， 其特征在于， 还包括存款交易：
将顾客放入所述存取钞部的纸币经所述纸币传输通道输送至所述验钞 部进行验钞， 若纸币被所述验钞部识别为正常则经所述纸币传输通道 将其输送至所述暂存部暂存， 若纸币被所述验钞部识别为异常则经所 述纸币传输通道将其返回至所述存取钞部， 直至顾客确认存款后将所 述暂存部暂存的纸币经所述纸币传输通道和所述验钞部输送至所述循 环钞箱。
PCT/CN2017/078362 2017-03-28 2017-03-28 自动交易装置及其交易处理方法 WO2018176204A1 (zh)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN201780000157.6A CN107454973A (zh) 2017-03-28 2017-03-28 自动交易装置及其交易处理方法
PCT/CN2017/078362 WO2018176204A1 (zh) 2017-03-28 2017-03-28 自动交易装置及其交易处理方法

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2017/078362 WO2018176204A1 (zh) 2017-03-28 2017-03-28 自动交易装置及其交易处理方法

Publications (1)

Publication Number Publication Date
WO2018176204A1 true WO2018176204A1 (zh) 2018-10-04

Family

ID=60497641

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2017/078362 WO2018176204A1 (zh) 2017-03-28 2017-03-28 自动交易装置及其交易处理方法

Country Status (2)

Country Link
CN (1) CN107454973A (zh)
WO (1) WO2018176204A1 (zh)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107170111B (zh) * 2017-04-07 2020-03-27 深圳怡化电脑股份有限公司 一种减少废钞的控制方法及装置
CN108109286B (zh) * 2017-12-29 2020-11-06 中国银行股份有限公司 一种多屏自动存取款装置
JP7035563B2 (ja) * 2018-01-26 2022-03-15 沖電気工業株式会社 媒体処理装置及び自動取引装置
CN108091037A (zh) * 2018-01-26 2018-05-29 深圳怡化电脑股份有限公司 自助设备及自助设备的介质存储装置
CN111784906A (zh) * 2020-06-30 2020-10-16 山东新北洋信息技术股份有限公司 纸币处理方法和设备

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102113027A (zh) * 2008-07-28 2011-06-29 光荣株式会社 纸币处理装置
CN102254366A (zh) * 2010-05-18 2011-11-23 株式会社日立制作所 自动存取款机
JP2012133761A (ja) * 2010-11-30 2012-07-12 Oki Electric Ind Co Ltd 現金処理装置
JP2016009312A (ja) * 2014-06-24 2016-01-18 沖電気工業株式会社 紙幣取引装置
CN106463015A (zh) * 2014-06-20 2017-02-22 冲电气工业株式会社 纸币交易装置

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP5212090B2 (ja) * 2008-12-25 2013-06-19 沖電気工業株式会社 自動取引装置
JP5254912B2 (ja) * 2009-09-04 2013-08-07 沖電気工業株式会社 現金自動取引装置
CN101964123A (zh) * 2010-04-09 2011-02-02 深圳市怡化电脑有限公司 纸币验钞模块可以识别钞号的方法
JP5821599B2 (ja) * 2011-12-13 2015-11-24 沖電気工業株式会社 異物排出装置及び紙葉類取扱装置
DE102014001760A1 (de) * 2014-02-10 2015-08-13 Giesecke & Devrient Gmbh Verfahren und System zur Bearbeitung von Wertdokumenten
JP2015191577A (ja) * 2014-03-28 2015-11-02 沖電気工業株式会社 紙幣処理装置
CN103903331A (zh) * 2014-03-31 2014-07-02 上海古鳌电子科技股份有限公司 自动存取款机
JP2016199380A (ja) * 2015-04-13 2016-12-01 沖電気工業株式会社 媒体処理装置
CN106097568A (zh) * 2016-08-04 2016-11-09 广州智清电子科技有限公司 一种自动柜员机存取款装置
CN206711198U (zh) * 2017-03-28 2017-12-05 深圳怡化电脑股份有限公司 自动交易装置

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102113027A (zh) * 2008-07-28 2011-06-29 光荣株式会社 纸币处理装置
CN102254366A (zh) * 2010-05-18 2011-11-23 株式会社日立制作所 自动存取款机
JP2012133761A (ja) * 2010-11-30 2012-07-12 Oki Electric Ind Co Ltd 現金処理装置
CN106463015A (zh) * 2014-06-20 2017-02-22 冲电气工业株式会社 纸币交易装置
JP2016009312A (ja) * 2014-06-24 2016-01-18 沖電気工業株式会社 紙幣取引装置

Also Published As

Publication number Publication date
CN107454973A (zh) 2017-12-08

Similar Documents

Publication Publication Date Title
WO2018176204A1 (zh) 自动交易装置及其交易处理方法
JP4362339B2 (ja) 紙幣取扱装置
JP2005092421A (ja) 紙幣取扱装置
JP5698707B2 (ja) 紙幣取扱装置
JP3313472B2 (ja) 現金処理システム
JP2017062640A (ja) 紙幣取扱装置
JP2014232446A (ja) 現金処理装置
WO2018003145A1 (ja) 紙幣処理装置
WO2018148936A1 (zh) 一种自动柜员机
KR101475902B1 (ko) 환류식 금융자동화기기의 수표/지폐 입출금장치 및 그 운영방법
JP3562093B2 (ja) 媒体処理装置
JP6225700B2 (ja) 現金取扱装置、及び入出金システム
CN107170145B (zh) 一种自助存取款系统
JP6695651B2 (ja) 現金処理装置
JP6515625B2 (ja) 現金処理装置
KR101011542B1 (ko) 오버플로우 박스를 갖는 동전입출금기 및 이를 포함하는 현금입출금장치
JP2756058B2 (ja) 紙幣入出金機
JPH054067Y2 (zh)
JP4011195B2 (ja) 紙幣入出金機
JP2017134444A (ja) 現金処理装置
JP2669709B2 (ja) 入出金機の途中収集制御処理装置
WO2019225175A1 (ja) 現金処理装置
JP5614631B2 (ja) 紙幣収納装置
JP2004103033A (ja) 紙葉類取扱装置
JP2577808B2 (ja) 紙幣自動入出金装置

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 17903075

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 17903075

Country of ref document: EP

Kind code of ref document: A1