JP2544444B2 - Operating method of automatic cash handling equipment - Google Patents

Description

The present invention relates to an operating method of an automatic cash handling apparatus installed in a cashier corner inside or outside a store, and more particularly to an operating method involving fund replenishment and collection operations. .

[Conventional technology]

In recent years, in order to improve the efficiency of transactions for deposits and payments in a financial industry such as a bank, a cache corner equipped with a plurality of transaction devices is installed inside and outside a store. In this cashier corner, in order to prevent the customer's deposit transaction or payment transaction from deteriorating the service to the customer due to the suspension of the transaction of the transaction device due to the full bill in the safe of the transaction device or the shortage of bills, for example, JP-A-58-149589. As disclosed in Japanese Patent Laid-Open No. 2004-331, there is a system in which a trade mode of a trading device is displayed and guided to a customer by a display.

[Problems to be Solved by the Invention] In the above-mentioned conventional example, the transaction mode of the transaction device is switched according to the residual amount state of the banknotes in the transaction device, and it is displayed to the customer by a display device. Since the number of customers desiring to do so is not taken into consideration, when the number of customers suddenly increases, each transaction device may not be able to cope with this, resulting in suspension of transactions, which may reduce service to customers. In addition, sufficient consideration was not given to the efficient use of funds.

It is an object of the present invention to improve trading services to customers and provide an efficient management method of funds.

[Means for solving the problem]

The above-mentioned object of the present invention basically comprises an arithmetic means for calculating the rate of change of funds in each transaction device and an estimating means for estimating the time until the funds are full or the remaining amount is insufficient based on the arithmetic result. Further, it is achieved by further comprising a display for displaying on a monitor, or an automatic replenishment or automatic recovery mechanism and a control circuit for controlling the automatic replenishment or automatic recovery operation with a signal based on the estimated time.

[Action]

When the individual transaction device is loaded with funds by a staff member or a known automatic replenishment / collection mechanism, the device automatically initializes and the amount of funds held in the device is fixed.

At the same time when the operation is started, the built-in clock means starts the clock. The calculation means calculates the rate of increase / decrease in funds within a unit time because a deposit or payment transaction is performed based on the transaction data and the timekeeping data, and transfers the calculation result to the estimation means. The estimating means estimates the time until the battery is full or the remaining amount is insufficient based on the calculation result and the database such as the knowledge base and displays it on the monitor. Further, in the case of automatic replenishment and recovery, the estimation result is transmitted to the control circuit, and automatic processing is performed as necessary.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 1 to 4. FIG. 3 is a cross-sectional view of the banknote handling apparatus mounted on the cash handling apparatus.

A deposit / withdrawal port 32 is provided on the entire surface of the main body 31 of the apparatus. A separating device 34 for taking in the deposited bills 33 is provided on one side of the deposit / withdrawal port 32, and an extruding plate 36 for pushing out the dispensed bills 35 to the deposit / withdrawal port 32 is provided on the other side. A bill discriminating unit 37 is provided at the center of the main body 31 and discriminates the authenticity, denomination, front and back, and the number of bills 33, 35 to be taken in or paid out. In the rear part of the main body 31, there is a front-back reversing part 38, below which is a temporary stack part having an impeller 39 for temporarily storing the taken-in bills 33, and in the part of the pushing plate 36, a stack having an impeller 40. In the lower part of the main body 31, a first impeller 41 and a second impeller 42 for stacking bills for bill recycling are provided. The banknote groups 43, 44, 45 stacked by the impellers 39, 41, 42 are respectively the safe 46, the first
The denomination box 47 and the second denomination box 48 are stored. Also, safe 4
Between the 6 and the second denomination box 48, a reject box 49 for collecting unidentifiable banknotes is arranged. Separation devices 50, 51, 52 are provided above the safe 46 and denomination boxes 47, 48, respectively, to separate and take out the respective bills 43, 44, 45 one by one. The above-mentioned respective parts are connected by a conveying means, and partition gates 53 to 59 are provided at a branch portion in the conveying means.

In this bill handling device, the customer has a deposit / withdrawal port 32
The banknotes 33 inserted for deposit into the banknotes or the banknotes loaded into the safe are in a state in which the front and back are mixed, but the discrimination unit 37 conveys only the ones which are determined to be face-down by the front-and-back reversing unit 38. After being inverted and temporarily stored in the upper part of the safe 46 by the temporary stacking part 39 provided with the impeller 39 with all facing up, the first denomination box 47 and the second denomination box 48 are categorized by denomination.
Items that are not used for withdrawal are stored in the reject box 49. In addition, according to the customer's withdrawal request, the banknotes 44 or 44 stored in the first denomination box 47 or the second denomination box 48 or
45 can be paid out to the deposit / withdrawal port 32. As described above, ordinary deposit or payment transaction is performed. The safe 46
Since it is independent of the transfer system for normal transactions, it is possible to replenish banknotes in the safe 46 or collect banknotes from the safe 46 during operation of the device.

Here, it is desirable that the number of banknotes loaded in advance in the main body 31 of the present apparatus before starting operation be minimized from the viewpoint of fund operation efficiency. In the past, only full detection and insufficient remaining detection were performed, but if the number of customers is large, it will be inevitable that the transaction will be stopped because the response of the staff will be delayed. In other words, if there are a lot of deposit transactions, especially in a multiple-installed cashier corner, full detection may occur, and if there are many payment transactions, insufficient residual amount detection may occur at the same time on many devices. Therefore, the transaction will be canceled. Safe in Figure 3
By loading a sufficient amount of banknotes into the 46, it is possible to reduce the transaction suspension rate when there are many payment transactions, and conversely, by keeping the safe 46 empty, transactions when there are many deposit transactions. The discontinuation rate can be reduced. However, in these cases, the efficiency of fund management is low, which is not a good idea.

FIG. 4 shows a state in which the cashier 46 is pulled out from the main body 31 in order for the clerk to manually replenish and collect bills while the automatic cash handling apparatus is in operation. There are known examples of automatic bill replenishment and automatic collection methods, as will be described later.

In the present invention, as shown in FIG. 1, in addition to a card reader 120, a slip issuing machine 130, a passbook printing machine 140, etc., devices necessary for bill replenishment and collection operations and their control are also mounted. Are all governed by the main controller 100. Main controller 100 can also be externally controlled via line controller 110 in some cases. The above-described bill handling device 31 is controlled by the bill counting device 150 in the case of manual operation by an attendant, and by the bill counting device 150 and a dedicated replenishment / recovery control device 170 in the case of automatic replenishment and collection. To do.

The storage table 160 is a memory that stores information necessary for ordinary deposit and payment transactions, that is, a customer's personal identification number, a deposit balance, and the like, and the amount of banknotes held in the automatic teller machine that changes moment by moment.

The arithmetic unit I180 calculates the rate of change of the banknotes based on the data of the clock unit 190 and the balance of the transaction data, and transfers the result to the arithmetic unit II190.

The arithmetic unit II 190 estimates the time required to reach the state of full detection or insufficient remaining amount detection in consideration of the rate of increase and decrease of bills from the arithmetic unit I 180 and the experience value based on the knowledge database. The accuracy of this estimated time can be improved by accumulating it in knowledge data as experience.

The monitor 220 displays the above estimated required time.

The information on the monitor 220 allows the clerk to know the operating status of the number of automatic machines, and even if several automatic machines display almost the same required time, the time required to replenish and collect banknotes Since it can be processed in advance in consideration of the above, it is possible to avoid a situation in which the transaction of the staff is delayed and the transaction is canceled.

Automatic bill replenishment / collection operations include, for example, a radio-controlled self-propelled replenishment / collection box that runs between automatic machines or between an automatic machine and an original machine based on instructions from a control circuit. It automatically replenishes and collects banknotes. Here, the description of the method of automatically replenishing and collecting banknotes will be omitted.

When the present invention is applied to automatic replenishment / automatic collection, the estimated required time data from the arithmetic device II200 is transferred to the replenishment / collection control device 170 in FIG. In response to a command from the replenishment / recovery controller 170, the main controller 100 is a line controller.
The required information is transmitted to a mask controller (not shown) via 110.

Thus, for example, the bill replenishment / collection operation can be automatically performed by the method disclosed in the known example.

Note that FIG. 2 is a flow chart showing an embodiment of a bill replenishment / collection operation to which the present invention is applied.

INDUSTRIAL APPLICABILITY As described above, the present invention systematically implements not only replenishment / collection of banknotes manually by a clerk but also automatic replenishment / collection, for example, a banknote management machine such as a bank office. It can also be applied to the group management method that manages.

〔The invention's effect〕

According to the present invention, it is possible to sequentially grasp the operating status of a plurality of automatic cash handling apparatuses and to predict the occurrence of situations in which bills need to be replenished or collected, so the number of customers is particularly high in a cashier corner equipped with a plurality of automatic machines. When there are a lot of transactions, it is possible to prevent frequent transaction cancellations due to delays in the staff's response.

Further, according to the present invention, the amount of funds held in the automatic cash handling apparatus can be operated with the minimum necessary amount.

As described above, the present invention can improve the service to the customer and can significantly improve the operational efficiency of funds.

[Brief description of drawings]

FIG. 1 is a block diagram of components showing an embodiment of the present invention, FIG. 2 is a flow chart for explaining a bill replenishment / collection operation, FIG. 3 is a sectional view of a bill handling apparatus, and FIG.
The figure is a perspective view showing a state in which the safe is pulled out. 1 to 3 ... automatic cash handling device, 31 ... bill handling device, 180 ... computing device I, 190 ... timing device, 200 ... computing device II, 220 ... monitor.

Claims (3)

(57) [Claims] 1. An automatic cash handling apparatus such as an automatic teller machine calculates an increase / decrease rate of change of funds in the automatic machine, and estimates the time until the funds are full or the remaining amount is too short. At the same time, the method of operating the automatic cash handling apparatus is characterized in that the fund replenishment and collection operations are performed based on this estimated time. 2. The method of operating an automatic cash handling apparatus according to claim 1, wherein the estimated time is displayed on a monitor and the fund replenishment and collection operations are performed based on the monitor information. 3. The method of operating an automatic cash handling apparatus according to claim 1, wherein automatic replenishment and automatic withdrawal operations of funds are performed based on the estimated time.