WO2018195683A1

WO2018195683A1 - Automatic deposit and withdrawal machine

Info

Publication number: WO2018195683A1
Application number: PCT/CN2017/081593
Authority: WO
Inventors: 赵子龙; 龙宏伟
Original assignee: 深圳怡化电脑股份有限公司
Priority date: 2017-04-24
Filing date: 2017-04-24
Publication date: 2018-11-01
Also published as: CN110326031A

Abstract

Disclosed is an automatic deposit and withdrawal machine, comprising a deposit port (1), no less than two withdrawal ports (3), a banknote detector (4), banknote circulation boxes (501, 502, 503, 504, 505), and an abandoned banknote box (6), wherein the deposit port (1), the withdrawal ports (3) and the banknote detector (4) are in communication by means of an upper main channel, and the banknote detector (4), the banknote circulation boxes (501, 502, 503, 504, 505) and the abandoned banknote box (6) are in communication by means of a lower main channel, with the upper main channel and the lower main channel being in communication with each other by means of a diverter.

Description

Self-service deposit and withdrawal machine

Technical field

The present disclosure relates to the field of financial device technology, for example, to a self-service deposit and withdrawal machine.

Background technique

The ATM is also known as ATM. It is the abbreviation of Automatic Teller Machine. Most ATM machines can also be used for deposits, so it is also called automatic deposit and withdrawal machine. The automatic teller machine is a highly sophisticated mechatronic device. The cardholder can use the magnetic code card or smart card to realize the self-service of financial transactions such as withdrawing cash, checking deposit balance, transferring funds between accounts, checking the balance, etc. service. The automatic deposit and withdrawal machine can replace the work of bank counter personnel, reduce the work intensity of bank counter personnel, save customers time in the bank to take the queue to handle business, and improve the bank's work efficiency.

As banks and other financial institutions demand higher and higher office automation requirements and security performance, the performance requirements for automatic deposit and withdrawal machines are also increasing. In the related art, the automatic depositing and dispensing machine has a small capacity design, and the number of one-time deposits and the amount of withdrawals are limited, and it is impossible to realize continuous banknote and continuous banknote collection, and the customer needs to store a large amount of cash at one time. Or when withdrawing a large amount of cash at one time, it must be repeated many times, which not only delays a large amount of customer time, but also is not conducive to the safety of cash in the deposit process, which seriously affects the customer experience.

Summary of the invention

The present disclosure provides a self-service deposit and withdrawal machine, which has a simple structure and convenient operation, and can realize continuous banknote and continuous banknote collection.

The present disclosure adopts the following technical solutions:

Provide a self-service deposit and withdrawal machine, including:

Deposit port;

a banknote separating and pressing mechanism disposed at the depositing port;

Not less than two withdrawal ports;

a banknote detector, a recycle cassette, and a waste cassette;

a first conveying passage, a second conveying passage, a third conveying passage, a fourth conveying passage, a fifth conveying passage and a sixth conveying passage;

The banknote depositing port communicates with the banknote collecting port through a first conveying passage, and the banknote collecting port and the banknote validating device are communicated through a second conveying passage, the banknote detector and the banknote depositing device The ports are connected by a third conveying passage, and the first conveying passage, the second conveying passage and the third conveying passage are connected to each other to form an upper main passage;

The bill validator communicates with the recycling cassette through a fourth conveying passage, the circulating cassette and the waste unit are communicated through a fifth conveying passage, and the reject box and the bill validator pass the sixth The conveying passage is in communication, and the fourth conveying passage, the fifth conveying passage and the sixth conveying passage are connected to each other to form a lower main passage;

The upper main passage and the lower main passage are connected by a commutator.

Optionally, the banknote separating and pressing mechanism comprises a pressing plate and not less than two banknote separating rollers, and the banknote separating roller is arranged on two sides of the starting end of the first conveying channel, the pressing The plate is used to press the banknotes and can be raised and lowered with the banknotes.

Optionally, the deposit port is a rectangular port, and the rectangular port has a length of 155 mm or more and a width of 77 mm or more.

Optionally, the pressing plate can be manually or automatically lifted for placing the banknote into the banknote, the shape of the pressing plate is the same as the shape of the banknote, and the size of the pressing plate is smaller than The size of the deposit port.

Optionally, the number of the banknote separating rollers is three, which are a first separating roller, a second separating roller and a third separating roller, and the first separating roller and the second separating roller are located at the first The bottom of the starting end of the conveying passage is arranged side by side, and the third separating roller is located at the top of the starting end of the first conveying passage and is disposed opposite to the second separating roller.

Optionally, the size of the third separating roller is smaller than the size of the second separating roller, and the size of the second separating roller is equal to the size of the first separating roller.

Optionally, the number of the withdrawal ports is two, and a commutator is disposed between the two withdrawal ports.

Optionally, the number of the recirculating cassettes is five, which are respectively a first revolving cassette, a second circulating cassette, a third circulating cassette, a fourth circulating cassette, and a fifth circulating cassette, said A circulating cash box, a second circulating cash box, a third circulating paper box, a fourth circulating paper box, and a fifth circulating paper box are arranged side by side.

Optionally, the number of the waste cassettes is one, the waste cassette is disposed adjacent to the fifth recycle cassette, and one of the fifth recycle cassettes is away from the fourth recycle cassette side.

Optionally, the money detector is a laser money detector.

The self-service deposit and withdrawal machine provided by the present disclosure comprises a depositing and dispensing port, not less than one money-collecting port, a money detector, a recycling cash box, a waste bank box; a depositing port, a money-collecting port and a banknote detector through the upper main The passage is connected, the bill validator, the circulating cash box and the waste critter are connected through the lower main passage, the upper main passage and the lower main passage are connected by a commutator, and the bill depositing and separating mechanism is arranged at the deposit port. The self-service depositing and dispensing machine provided by the present disclosure realizes the continuous banknote adding function of the self-service depositing and dispensing machine by setting the banknote separating and pressing mechanism at the banknote depositing mouth, and realizes self-service by setting not less than two money-collecting ports. The cash withdrawal function of the cash machine, when the customer needs to store a large amount of cash at one time or withdraw a large amount of cash at one time, the self-service deposit and withdrawal machine with continuous cash-increasing and cash-out functions not only simplifies the operation steps of the customer, but also saves the customer. Time and improve the customer experience and cash security during the deposit and withdrawal process.

BRIEF abstract

FIG. 1 is a schematic structural diagram of a self-service deposit and withdrawal machine provided by the present disclosure.

In the figure: 1, banknote depositing port; 2, banknote separation and pressing mechanism; 201, pressing plate; 202, first separating roller; 203, second separating roller; 204, third separating roller; 4, the money detector;

5, the recycling cash box; 501, the first cycle cash box; 502, the second cycle cash box; 503, the third cycle cash box; 504, the fourth cycle cash box; 505, the fifth cycle cash box;

6, the waste bank; 7, the first conveying channel; 8, the second conveying channel; 9, the third conveying channel; 10, the fourth conveying channel; 11, the fifth conveying channel; 12, the sixth conveying channel.

detailed description

The technical solutions of the present disclosure will be described below with reference to the accompanying drawings and specific embodiments. The features of the following embodiments and embodiments may be combined with each other without conflict.

As shown in FIG. 1 , the embodiment provides a self-service deposit and withdrawal machine, including a banknote depositing port 1, not less than two banknote-receiving ports 3, a banknote detector 4, a circulating banknote box 5, and a waste banknote box 6. The banknote 1 and the banknote 3 are connected by a first conveying passage 7, and the banknote 3 and the banknote 4 are connected by a second conveying passage 8, between the banknote 4 and the banknote 1 Through the third conveying passage 9, the first conveying passage 7, the second conveying passage 8, and the third conveying passage 9 communicate with each other to become an upper main passage. The bill validator 4 and the recirculating cassette 5 are communicated through the fourth conveying passage 10, and the circulating cassette 5 and the waste cassette 6 are communicated through the fifth conveying passage 11, and the waste cassette 6 and the bill validator 4 are passed between The sixth conveying passage 12 is in communication, and the fourth conveying passage 10, the fifth conveying passage 11 and the sixth conveying passage 12 communicate with each other to become a lower main passage. In order to simplify the circulation of banknotes, optional, second lose The conveying passage 8 and the fourth conveying passage 10 partially overlap each other, and the banknotes need to be selectively separated into the upper main passage and the lower main passage, and a commutator is disposed at the separation of the second conveying passage 8 and the fourth conveying passage 10, the bills According to the instruction, the appropriate channel is selected by the commutator. Similarly, the third channel 9 and the sixth channel 12 are partially overlapped, and the banknotes need to be separated into the upper main channel and the lower main channel, and the third channel is transported. A commutator is disposed at the separation of the passage 9 and the sixth conveying passage 12. Optionally, the first conveying passage 7 and the third conveying passage 9 partially overlap, and are separated at the intersection of the banknotes that need to be selectively transported to the bill validator 4 or sent to not less than two billing ports 3, and A commutator is disposed at the separation of the first conveying passage 7 and the third conveying passage 9, and the banknote is selected through the commutator according to the instruction to select a suitable passage.

In the embodiment, the money detector 4 is a laser money detector. In order to increase the storage amount of the banknotes in the deposit and withdrawal machine, the number of the recycle cassettes 5 may be set to five, which is the first cycle cash box. 501. The second circulating cash box 502, the third circulating bank box 503, the fourth circulating bank box 504, the fifth circulating bank box 505, the first circulating banknote box 501, the second circulating banknote box 502, and the third circulating banknote box 503 The fourth cycle cassette 504 and the fifth cycle cassette 505 are sequentially arranged side by side. In order to reduce the volume of the self-service deposit and withdrawal machine, the number of the waste cassettes 6 may be set to one, the waste cassette 6 is disposed adjacent to the fifth recycle cassette 505, and is located at the fifth recycle cassette 505 away from the fourth cycle. One side of the cassette 504.

In order to realize the function of continuously adding money to the automatic depositing and dispensing machine, the banknote 1 can be set as a rectangular port, since the latest version of one hundred yuan has a length of 155 mm and a width of 77 mm, in order to straighten the banknotes. Placed in the deposit port 1, the length of the deposit port 1 is greater than or equal to 155 mm, and the width is greater than or equal to 77 mm. A banknote separating and pressing mechanism 2 is disposed at the banknote depositing port 1. The banknote separating and pressing mechanism 2 includes a pressing plate 201 and not less than two banknote separating rollers, and the pressing plate 201 is used for pressing the banknotes and can be used When the banknotes are lifted and lowered, the pressing plate 201 can be lifted manually or automatically, so that the banknotes are placed flat into the banknote depositing opening 1. In order to improve the pressing effect of the pressing plate 201 on the banknotes, the shape of the pressing plate 201 is set to The banknotes 1 have the same shape and are rectangular, and the size of the pressure plate 201 is slightly smaller than the size of the banknote 1. The banknote separating rollers of not less than two are arranged on both sides of the starting end of the first conveying path 7. Optionally, in the embodiment, the banknote separating rollers are three, which are the first separating roller 202 and the second separating. The roller 203 and the third separating roller 204, the first separating roller 202 and the second separating roller 203 are located at the bottom of the starting end of the first conveying passage 7 and are arranged side by side, and the third separating roller 204 is located at the beginning of the first conveying passage 7. The top portion is disposed opposite to the second separating roller 203. In order to improve the smoothness during the transmission process, the size of the third separating roller 204 may be set smaller than the size of the second separating roller 203, and the size of the second separating roller 203 is equal to the first The size of a separation roller 202.

After the banknotes are straightly inserted into the banknote depositing port 1, the pressure plate 201 flattens the stacked banknotes and passes through the first separating roller 202, the second separating roller 203 and the third separating roller 204. The banknotes are separated, and the banknotes enter the third conveying passage 9 one by one. During the conveying of the banknotes, the pressing plate 201 can be manually lifted or automatically raised, thereby continuing to add the banknotes, adding a certain number of banknotes, and then pressing down again. The board 201 flattens the banknotes and reciprocates so as to realize the function of continuously adding money to the automatic depositing and dispensing machine.

In order to realize the function of continuously withdrawing money from the automatic teller machine, the number of the banknotes 3 can be set to two or more, and a commutator is disposed between each of the two banknotes 3 for Change the output of the banknote. Optionally, in the embodiment, the number of the money collection ports 3 is set to two in consideration of the volume of the automatic depositing and dispensing machine, and the number of banknotes in one of the money collection ports 3 is reached during the banknote collection process. When the limit value is changed, the output port of the banknote is changed to another banknote outlet 3 by the commutator, and when the number of banknotes in the banknote outlet 3 reaches the upper limit again, the output of the banknote is exchanged again by the commutator To the original withdrawal port 3, so reciprocating, so that the automatic deposit and withdrawal machine continuously withdraws money.

The automatic depositing and dispensing machine provided in this embodiment can realize the following functional paths: a normal banknote path, a deposit banknote withdrawal path, a normal withdrawal path, and a withdrawal banknote path. The above multiple function paths are described below.

Normal banknote storage path: when the customer deposits, the banknotes are placed flat in the banknote depositing port 1, and the banknotes are pressed and separated by the banknote separating and pressing mechanism 2, and then enter the third conveying channel 9 one by one, and pass through the banknote detector. 4 After the banknote is checked, the banknote can be recognized to enter the fourth conveying passage 10, and the first recycling cash box 501, the second circulating cash box 502, the third circulating cash box 503, the fourth circulating cash box 504, and the fifth circulating cash box are selected. One of the 505, thus achieving the normal banknote function.

Further, when the banknotes are separated, the banknotes can be continuously added by lifting the pressure plate 201.

Deposit banknote withdrawal path: When the customer deposits, the banknotes are placed straight in the banknote depositing port 1, and the banknotes are pressed and separated by the banknote separating and pressing mechanism 2, and then enter the third conveying channel 9 one by one, after the banknotes are checked. After the banknote 4 checks the banknotes, the unrecognizable banknotes are selected to enter one of the banknote-receiving ports 3 through the second conveying path 8, and the customer can take the banknotes from the banknote-receiving port 3, thereby realizing the deposit-rejecting function.

Normal withdrawal path: when the customer picks up the banknotes, the banknotes are dispensed through the system, from the first recycle cassette 501, the second recycle cassette 502, the third recycle cassette 503, the fourth recycle cassette 504, and the fifth recycle cassette After the banknotes in one of the 505s are correspondingly dispensed, the banknotes are passed through the fourth conveying path 10, and after the banknotes 4 are inspected, the banknotes can be identified to enter the third conveying channel 9 and the first conveying channel 7 in sequence. One of the withdrawal ports 3 is used to complete the withdrawal function.

In addition, during the process of withdrawing the banknotes, when the number of banknotes in the first banknote withdrawal port 3 reaches the upper limit value, the output port of the banknote is changed to the second banknote outlet through the commutator. 3. When the number of banknotes in the second withdrawal port 3 reaches the upper limit value, the output port of the banknote is again changed to the original banknote withdrawal port (the first banknote withdrawal port) 3 through the commutator, thereby reciprocating, thereby Realize the function of automatic cash deposit and withdrawal machine to continuously withdraw money.

Withdrawal of waste banknotes: When the customer picks up the banknotes, the banknotes are dispensed through the system, from the first recycle cassette 501, the second recycle cassette 502, the third recycle cassette 503, the fourth recycle cassette 504, and the fifth recycle After the banknotes in one of the boxes 505 are correspondingly dispensed, the banknotes are passed through the fourth conveying path 10, and after the banknotes 4 are inspected, the unidentifiable banknotes directly enter the banknotes 6 through the sixth conveying path 12. In order to complete the withdrawal of the money collection function.

Industrial applicability

The self-service depositing and dispensing machine provided by the present disclosure realizes the continuous banknote adding function of the self-service depositing and dispensing machine by setting the banknote separating and pressing mechanism at the banknote depositing mouth, and realizes self-service by setting not less than two money-collecting ports. The cash withdrawal function of the cash machine, when the customer needs to store a large amount of cash at one time or withdraw a large amount of cash at one time, the self-service deposit and withdrawal machine with continuous cash-increasing and cash-out functions not only simplifies the operation steps of the customer, but also saves the customer. Time and improve the customer experience and cash security during the deposit and withdrawal process.

Claims

A self-service deposit and withdrawal machine, including:

Bank deposit (1);

a banknote separating and pressing mechanism (2) disposed at the banknote depositing port (1);

Not less than two withdrawal ports (3);

a banknote detector (4), a recycle cassette (5), and a waste cassette (6);

a first conveying passage (7), a second conveying passage (8), a third conveying passage (9), a fourth conveying passage (10), a fifth conveying passage (11), and a sixth conveying passage (12);

The banknote (1) and the banknote (3) communicate with each other through a first conveying passage (7), and the banknote (3) and the banknote detector (4) pass through The second conveying passage (8) is in communication, and the bill validator (4) is connected with the depositing port (1) through a third conveying passage (9), the first conveying passage (7) and the second conveying The passage (8) and the third conveying passage (9) communicate with each other to form an upper main passage;

The bill validator (4) communicates with the recycling cassette (5) through a fourth conveying passage (10), and the circulating cassette (5) and the waste cassette (6) pass through a fifth conveying passage ( 11) communicating, the waste cassette (6) and the bill validator (4) are connected by a sixth conveying passage (12), the fourth conveying passage (10), the fifth conveying passage (11) and the The six conveying passages (12) are connected to each other to form a lower main passage;

The upper main passage and the lower main passage are connected by a commutator.
The self-service depositing and dispensing machine according to claim 1, wherein the banknote separating and pressing mechanism (2) comprises a pressing plate (201) and not less than two banknote separating rollers, and the banknote separating roller is divided into On both sides of the starting end of the first conveying passage (7), the pressing plate (201) is used to press the banknote and to move up and down with the banknote.
The self-service depositing and dispensing machine according to claim 2, wherein the depositing and dispensing opening (1) is a rectangular opening having a length of 155 mm or more and a width of 77 mm or more.
The self-service depositing and dispensing machine according to claim 3, wherein said pressing plate (201) is manually or automatically lifted for placing a banknote into said banknote (1), said pinch plate ( 201) The shape is the same as the shape of the deposit port (1), and the size of the pressing plate (201) is smaller than the size of the deposit port (1).
The self-service deposit and withdrawal machine according to claim 2, wherein the number of the banknote separating rollers is three, which are a first separating roller (202), a second separating roller (203) and a third separating roller (204). The first separating roller (202) and the second separating roller (203) are located at the bottom of the starting end of the first conveying passage (7) and are arranged side by side, and the third separating roller (204) is located The first delivery The top of the channel starting end (7) is disposed opposite to the second separating roller (203).
The self-service deposit and withdrawal machine according to claim 5, wherein the size of the third separating roller (204) is smaller than the size of the second separating roller (203), and the size of the second separating roller (203) Equal to the size of the first separating roller (202).
The self-service depositing and dispensing machine according to claim 2, wherein the number of the withdrawal ports (3) is two, and a commutator is disposed between the two withdrawal ports (3).
The self-service depositing and dispensing machine according to claim 7, wherein the number of the recirculating cassettes (5) is five, which are respectively a first circulating cassette (501), a second circulating cassette (502), and a a three-cycle cash box (503), a fourth recycle cassette (504), a fifth recycle cassette (505), the first recycle cassette (501), the second recycle cassette (502), and a third recycle note The box (503), the fourth circulating cassette (504), and the fifth circulating cassette (505) are sequentially arranged side by side.
The self-service deposit and withdrawal machine according to claim 8, wherein the number of the waste cassettes (6) is one, and the waste cassette (6) is disposed adjacent to the fifth recycle cassette (505) And located on a side of the fifth cycle cassette (505) away from the fourth recycle cassette (504).
The self-service deposit and withdrawal machine according to claim 1, wherein said money detector (4) is a laser money detector.