JP2634890B2 - Deposit and withdrawal management method - Google Patents

Description

The present invention relates to a deposit / withdrawal management system for managing cash handled by tellers in a financial institution such as a bank.

[Prior Art] In general, at a counter of a financial institution such as a bank, which is an online system, a counter member performs a transaction by inputting / outputting contents of a transaction with a customer to / from a financial terminal device. However, in this transaction, the cash
The withdrawal is usually made through a cash processing machine connected to the financial terminal device.

In other words, cash deposit / withdrawal management handled by tellers
This is performed by a deposit and withdrawal management system including the cash processing machine and the financial terminal device.

FIG. 2 is a block diagram showing the overall configuration of a conventional deposit / withdrawal management system, and FIG. 3 is a deposit / withdrawal when deposit / withdrawal management is performed by the deposit / withdrawal management system shown in FIG. It is an explanation of a procedure.

In FIG. 2, two financial terminal devices, a management terminal 2 and a non-management terminal 3, are connected to the cash processor 1. These financial terminal devices are connected to a communication controller (CCL) 5 via a line interface 4. Contacted this C
CL5 is communicated via a modem 6 and 7 to a host computer 8 which is an upper information processing device.

That is, in this deposit / withdrawal management system, two financial terminal devices are connected to one cash processing machine, and the management of cash deposit / withdrawal for transactions by these two financial terminal devices is performed by one cash terminal. This is done through a cash processor. In this case, the management of deposits and withdrawals with the cash processing machine 1 is performed through the management terminal 2, and the management of deposits and withdrawals of the non-management terminal 3 is not performed directly with the cash handling machine 1. The processing is simplified by performing the processing indirectly through the management terminal 2. In practice, a plurality of pairs of management terminals and non-management terminals are connected to the line interface 4, and a cash processing machine is usually connected for each pair. In FIG. 2, this point is omitted for simplicity of description.

Next, with reference to FIG. 3, a procedure for performing the deposit and withdrawal management by the deposit and withdrawal management system will be described. In addition, the example shown in FIG.
Through the management terminal 2, ten 10,000 yen bills, twenty five thousand yen bills,
Make a transaction to withdraw 30 thousand yen bills, and unmanaged terminal 3
Through, the same 10,000 yen bill, 20 5,000 yen bill, 1,000 yen bill
An example is shown in which each transaction for dispensing 30 cards is performed and all transactions on that day are completed.

First, the cash processing machine 1 is filled with cash before starting the transaction on that day. Step 201 in FIG. 3 shows a state in which cash is filled. In this example, it is assumed that 100, 10,000 yen, 100, 5,000 yen and 100,000 yen bills are filled, respectively. Is shown. In this case, the cash counter 1a provided in the cash processing machine 1 is set to 100,000 yen bills, 100, 5,000 yen bills, and 100,000 yen bills. At this time, the cash balance of the management terminal 2 is also set to the same value. On the other hand, the cash balance of the unmanaged terminal 3 is set to zero 10,000-yen bills, zero 5,000-yen bills, and zero thousand-yen bills.

Next, in step 202, the above-described transaction is performed through the management terminal 2 and the non-management terminal 3, and the cash processing machine 1
, A predetermined withdrawal process is performed. This allows
As shown in step 202 of FIG.
In the cash counter 1a, a value obtained by subtracting the total amount paid out through the management terminal 2 and the non-management terminal 3 is stored. In addition, the cash balance of the management terminal 2 is the amount obtained by subtracting only the amount withdrawn through the management terminal 2, that is, in this example, ten 10,000 yen bills, twenty five thousand yen bills, and thirty thousand yen bills (90, 10,000 yen bills, 80, 5,000 yen bills, 70,000 yen bills)
Sheets). Similarly, the cash balance of the non-management terminal 3 is calculated by subtracting only the amount paid out through the management terminal 2 (10,000-yen bills—10, 5,000-yen bills—20, 1,000-yen bills—30) Becomes

In this state, when a day's transaction is completed, the management terminal 2
Then, each of the non-management terminals 3 outputs a scrutiny sheet (step 203). In this inspection form, the cash balance of each terminal at the time when the transaction is completed is described.

Next, a counter abutting operation is performed while looking at the detailed inspection form (step 204). This counter abutment operation is performed by a counter member performing an input operation through a keyboard or the like of the management terminal 2 and the non-management terminal 3 and adding the cash balance of the non-management terminal 3 to the cash balance of the management terminal 2. Thus, the cash balance of the management terminal 2 matches the cash balance of the cash processor 1.

When this collation operation is completed, the non-management terminal 3
Is cleared (reduced to zero), then a closing slip is created (step 205), the contents of the transaction for one day are issued, and the deposit / withdrawal management operation ends.

[Problems to be solved by the invention] By the way, in the above-mentioned deposit / withdrawal management system,
After a day's transaction is completed, a counter member prepares the management terminal 2.
In addition, the user must operate the keyboard of the non-management terminal 3 to output a scrutinization voucher, and further perform an input operation for matching while checking the scrutiny voucher. For this reason, there is a disadvantage that it takes a relatively long time from the end of the transaction to the preparation of the closing slip, and that there is a possibility that a collation mismatch occurs due to an operation error of the teller.

The present invention has been made against such a background, and it is possible to prepare a closing slip in a short time after the end of the transaction, and there is no possibility that collation mismatch or the like due to an operation error of the teller may occur. The purpose is to provide a money management system.

[Means for Solving the Problems] In order to solve the above problems, the present invention has a configuration including the following elements.

In the case where one cash processing machine is used by connecting to at least two financial terminal devices, one of the financial terminal devices is a management terminal, and the other is a non-management terminal.
A method for managing the deposit and withdrawal of cash deposited and withdrawn from the cash processing machine through each of the financial terminal devices, when loading cash into the cash processing machine, The cash counter and the cash balance of the management terminal are respectively set to the amount of cash loaded into the cash processing machine, and the cash balance of the non-management terminal is set to `` 0 ''. When a deposit transaction is performed at one of the management terminal or the non-management terminal, a deposit amount is added to a cash counter of the cash processing machine and a cash balance of any of the terminals at which the deposit transaction was performed, Further, when a withdrawal transaction is performed at either the management terminal or the non-management terminal, the withdrawal is made from the cash counter of the cash processor and the cash balance of any of the terminals at which the withdrawal transaction was performed. Subtracting the amount of money, closing processing after the end of the transaction In this case, the cash balance is sent from the non-management terminal to the management terminal, and the management terminal calculates the sum of the cash balance received from the non-management terminal and the cash balance in the management terminal, and calculates Reconciling the result with the balance of the cash counter of the cash processor.

[Operation] According to the above-described configuration, by providing the management terminal and the non-management terminal with the reconciliation processing unit, after the end of a series of transactions involving cash depositing and withdrawing, the sum of the balance of each terminal and the cash The collation with the balance of the processing machine can be performed without human intervention.

Therefore, the closing slip can be created in a short time from the end of the transaction, and there is no possibility that collation inconsistency or the like due to an operation error of the teller may occur.

[Embodiment] FIG. 1 is a block diagram showing a partial configuration of a deposit and withdrawal management system according to an embodiment of the present invention, FIGS. 4 and 5 are explanatory diagrams of the operation of a matching processing unit in FIG. FIG. 6 shows the fourth
FIG. 5 is an explanatory view of the transmission message in FIG. 5, and FIG.
FIG. 5 is an explanatory view of the response message in FIG. 5, and FIG.
It is explanatory drawing of the depositing / dispensing procedure at the time of performing depositing / dispensing management by one Example shown in a figure.

Hereinafter, a deposit and withdrawal management system according to an embodiment of the present invention will be described with reference to the drawings. Since the overall configuration of the present embodiment is almost the same as that of the above-described conventional example, in the following description, some of the same parts are omitted, and the same reference numerals are given to the same parts, and the present embodiment is characterized by the following features. The description focuses on the typical parts.

In FIG. 1, a management terminal 2 and a non-management terminal 3 are connected to a cash processing machine 1, and the management terminal 2 and the non-management terminal 3 are connected to a CCL 5 via a line interface 4. Although not shown, the CCL 5 is communicated to a host computer as an upper information processing device via a modem, similarly to the above-described conventional example.

The management terminal 2 includes a display 2a for displaying input / output contents and the like, a keyboard 2b for performing input operations, a central processing unit (CPU) 2c for communicating with external devices, controlling internal devices, and performing necessary processes. And a printer 2d for printing out necessary data.

Further, the non-management terminal 3 has substantially the same configuration as the management terminal 2, and includes a display 3a, a keyboard 3b,
It comprises a CPU 3c and a printer 3d.

The CPU2c and 3c of the management terminal 2 and the non-management terminal 3, respectively butting processor P ₂ and P ₃ are provided. These abutting processor P ₂ and P _3, in this embodiment, the CPU2c and are configured by a part of the provided is with a program to 3c, of course, may be a separate hardware configuration.

FIGS. 4 and 5 are explanatory views for explaining the operation of the butting processing section P ₂ and P _3.

As shown in Figure 5 and Figure 6, create and set to automatic butt mode by operating the keyboard 3b unmanaged terminal 3, and operates the send key, the butting processor P ₃ is a transmitted message L ₃ Then, it transmits to the management terminal 2 via CCL5.

Figure 6 is a an explanatory diagram of the contents of the transmitted message L _3, as shown in the figure, the transmitted message L ₃ is composed of a header portion h and a data portion d. Said header portion h is made from the communication rules (SFH) unit h _1, the application control unit h ₂ and butting command unit h ₃ Prefecture. Further, the data part d
Is data on the cash balance of the non-management terminal 3.

When the management terminal 2 receives the transmitted message L _3, it starts the butt processor P _2, on the basis of the data relating to the transmitted message L ₃ of the cash balance data and management of the terminal 2 cash balance, the money processing machine The cash balance to be left in the cash processor 1 is calculated and compared with the cash counter 1a in the cash processor 1.
The result of this collation, if collation coincidence, the management terminal 2 to tightened issues a command for processing, at the same time, transmits via the CCL5 creates a response message L ₂ to the non-management terminal 3. FIG. 7 is a diagram for explaining the contents of the response message L _2, as shown in FIG, response message L ₂ is composed of a header portion h and a data portion d. It said header portion h is similar communication rules with the transmitted message L ₃ (SFH) unit h ₁ and the application control section h ₂
And consists of a clear command part h ₃ Metropolitan. Further, the data unit d consists of necessary data to the non-management terminal 3 executes a command of the clear command unit h _3.

When the non-management terminal 3 receives the response message L _2, the butting processor P ₃ is operated again, the clear cash balance of the non-management terminal 3 based on a command clear command h _3, i.e., to zero . At the same time, it issues a command for the tightening process to the non-management terminal 3.

Next, a procedure for performing the deposit and withdrawal management by the deposit and withdrawal management system of one embodiment having the above-described configuration will be described with reference to FIG. In addition, the example shown in FIG.
Transactions to withdraw 10, 20, 5,000 yen bills, and 30, 000 yen bills.
In this example, a transaction for dispensing 20, 5,000 yen bills, and 30 thousand yen bills is made, and all transactions on that day are completed.

First, the cash processing machine 1 is filled with cash before starting the transaction on that day. Step 801 in FIG. 8 shows a state in which cash is filled. In this example, it is assumed that 100, 10,000 yen, 100, 5,000 yen, and 100,000 yen bills are filled, respectively. Is shown. In this case, the cash counter 1a provided in the cash processing machine 1 is set to 100,000 yen bills, 100, 5,000 yen bills, and 100,000 yen bills. At this time, the cash balance provided in the management terminal 2 is also set to the same value. On the other hand, the cash balance in the non-management terminal 3 is set to zero 10,000 yen bill, zero 5,000 yen bill, and zero thousand yen bill.

Next, in step 802, the above-described transaction is performed through the management terminal 2 and the non-management terminal 3, and the cash processing machine 1
, A predetermined withdrawal process is performed. This allows
As shown in step 802 of FIG.
Management terminal 2 and non-management terminal 3
A value obtained by subtracting the total amount paid out through is stored. In addition, the cash balance of the management terminal 2 is the amount obtained by subtracting only the amount withdrawn through the management terminal 2, that is, in this example, ten 10,000 yen bills, twenty five thousand yen bills, and thirty thousand yen bills (90, 10,000 yen bills, 80, 5,000 yen bills, 70,000 yen bills)
Sheets). Similarly, the cash balance of the non-management terminal 3 is calculated by subtracting only the amount paid out through the management terminal 2 (10,000-yen bills—10, 5,000-yen bills—20, 1,000-yen bills—30) Becomes

In this state, if the day's transaction is completed,
The keyboard 3b of the non-management terminal 3 is operated to set the automatic matching mode, and the transmission key is operated.

Thus, to start the butt processor P _3, as described above,
Telegram communication is performed between the non-management terminal 3 and the management terminal 2, and a matching process is performed (step 803). At the same time, the management terminal 2 and the non-management terminal 3 create a closing slip in which the details of the deposit and withdrawal of the day are recorded, and are issued from the printers 2d and 3d, respectively. (Step 804).

According to the above-described embodiment, by providing the abutting processor P ₂ and P ₃ to the management terminal 2 and the non-management terminal 3, the in a series of transactions after the end with the input and withdrawal of cash of each terminal It is possible to automatically compare the total balance with the balance of the cash processor 1 and create a closing slip.

Therefore, the closing slip can be created in a short time from the end of the transaction, and the possibility of collation mismatch or the like due to an operation error of the teller can be prevented.

[Effects of the Invention] As described in detail above, the present invention provides a management terminal and a non-management terminal connected to a cash processing machine with a reconciliation processing unit, and after a series of transactions involving depositing and withdrawing cash. The balance of the balance of each terminal and the balance of the cash processor can be automatically checked, thereby making it possible to create a closing slip in a short time from the end of the transaction. In addition, it is possible to effectively prevent collation mismatch and the like due to an operation error of the contact person.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a partial configuration of a deposit / withdrawal management system according to an embodiment of the present invention, FIG. 2 is a block diagram showing an entire configuration of a conventional deposit / withdrawal management system, and FIG. FIG. 4 is an explanatory view of a deposit and withdrawal procedure when deposit and withdrawal management is performed by the deposit and withdrawal management system shown in FIG. 2, and FIGS. 4 and 5 are explanatory diagrams of the operation of a matching processing unit in FIG. 6, FIG. 6 is an explanatory diagram of the transmission message in FIGS. 4 and 5, FIG. 7 is an explanatory diagram of a response message in FIGS. 4 and 5, and FIG. 8 is an embodiment shown in FIG. FIG. 4 is an explanatory diagram of a deposit and withdrawal procedure when deposit and withdrawal management is performed according to FIG. DESCRIPTION OF SYMBOLS 1 ... Cash processing machine, 2 ... Management terminal, 3 ... Unmanaged terminal, 4 ... Medium speed loop, 5 ... Communication controller (CCL), 6, 7 ... Modem, 8 ... Host information processing device , P ₂ , P ₃ ... A matching processing unit.

Claims (1)

(57) [Claims] 1. A method according to claim 1, wherein one of the financial terminals is used as a management terminal and the other as a non-management terminal. A method for managing the deposit and withdrawal of cash deposited and withdrawn from the cash processing machine through each financial terminal device, wherein when loading cash into the cash processing machine, the cash of the cash processing machine The cash balance of the counter and the management terminal is set to the amount of cash loaded in the cash processing machine, and the cash balance of the non-management terminal is set to “0”. When a deposit transaction is performed at one of the terminal or the unmanaged terminal, a deposit amount is added to a cash counter of the cash processing machine and a cash balance of the one of the terminals at which the deposit transaction was performed, and , The management terminal or the non-management terminal When the withdrawal transaction is performed in any of the cases, the withdrawal amount is subtracted from the cash counter of the cash processing machine and the cash balance of any of the terminals in which the withdrawal transaction was performed, and the closing after the transaction is completed. In the above process, the non-management terminal sends the cash balance to the management terminal, and the management terminal calculates a total of the cash balance received from the non-management terminal and the cash balance at the management terminal. Wherein the calculated result is compared with the remaining amount of the cash counter of the cash processing machine.