JP2907219B2 - Cash management system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Application Field] The present invention relates to an accounting system in a financial institution and the like, which comprises a cashier / source system for managing the transfer of cash from a safe and various cash processing devices. The present invention relates to a cash management system for managing cash transfer, location, amount of money, and the like.

[Conventional technology]

The cash transaction business at financial institutions and other branches is diversified and the business ratio is extremely high. For this reason, various cash processing devices have been introduced in business offices to streamline cash transaction operations.

On the other hand, with the development of the economy, the amount of funds handled by financial institutions has increased exponentially, and there has been a need to efficiently manage cash flows in sales offices and all stores. In addition, due to the nature of cash processing, high reliability is also required for processing relating to cash transfer within a branch, as well as reliability for customer processing. Therefore, there is a cash management section called a cashier / principal person who manages the transfer of cash from a safe.

FIG. 5 is a block diagram showing a conventional example of a cash management system in one branch centering on the above-mentioned cashier / origin.

In the figure, reference numeral 1 denotes a cashier / principal system which is a center of cash management in a branch, and the cashier / principal system 1 includes a cashier / principal terminal 2 having an input keyboard, a display unit, a memory, a microcomputer, and cash payment. Organizer 3, Cash release machine 4
It is composed of

Reference numeral 5 denotes a cash dispensing / dispensing device arranged at the window, 6 denotes a window terminal (OTM = online teller's machine) having an input keyboard, display unit, memory, microcomputer, and printing device.
And sends and receives various data.

Reference numeral 9 denotes an automatic transaction apparatus (ATM = automatic tellers machine) for executing various transaction operations according to the operation of the customer. The automatic transaction apparatus 9 is also connected to the host computer 8 via the terminal controller 7 in the same manner as the counter terminal 6. doing.

That is, the sales office system is composed of a cash-receipt / receipt system 1 for managing the transfer of cash from the safe 10, and various cash processing devices such as a cash-receipt-and-disbursement device 5 and an automatic cash-receipt-and-disbursement device 9 surrounding this system.

Here, the operation management of the cashier / origin system 1 is managed by the cashier / major agent, the cash depositing / dispensing device 5 and the teller terminal arranged at the window are managed by the teller, and the maintenance management of the automatic transaction device 9 is managed by the teller. Performed by ATM staff.

Hereinafter, a conventional cash management system will be specifically described with reference to FIG.

First, before opening the store in the morning, the cashier / principal clerk issues cash required on the day from the safe 10 and loads the cash into the cash dispenser 4 of the cashier / principal system 1. At this time, the count value of the loaded cash is input from the keyboard of the cashier / origin terminal 2 and stored in the memory.

Next, the ATM clerk conducts a close scrutiny of the cash on the previous day at the automated teller machine 9, and if cash collection is necessary, enters the collected denomination amount in the scrutinization slip and pays the cash with the cash collected from the automated teller machine 9. Give it to the official. If cash loading is necessary, the amount of the denomination to be loaded is entered in the cashback slip, and the cashier is asked for a cash rebate.

If the cashier / principal receives the inspection slip and cash,
The cash is stored in the cash depositing machine 3, the deposit amount is input from the cashier / principal terminal 2, and stored in the memory.

On the other hand, when the remittance slip is delivered, the designated denomination amount is withdrawn from the cash dispenser 4, the withdrawal amount is input from the cashier / origin terminal 2, and stored in the memory.

The microcomputer of the cashier / origin terminal 2 adjusts the balance stored in the memory and updates the balance when cash is input.

The ATM clerk sets the received cash in the automatic transaction device 9, inputs the loaded amount from the maintenance panel provided in the automatic transaction device 9, and stores it in the memory of the automatic transaction device 9.

On the other hand, the teller tells the cash required for the transaction on the day of the transaction, and asks the cashier to pay the cash.

Upon receipt of the remittance slip, the cashier / principal person pays out the designated denomination amount from the cash dispenser 4, inputs the money amount from the cashier / principal terminal 2, and stores it in the memory.

At the same time, the microcomputer of the cashier / origin terminal 2 subtracts the withdrawal amount from the balance stored in the memory,
Update the balance.

The teller teller loads the received cash into the cash receiving / dispensing device 5 and inputs the amount of the charge from the keyboard of the teller terminal 6,
It is stored in the memory of the counter terminal 6.

 Preparations before opening the store are thus completed.

After the opening of the store, cash transactions between the customer and the teller teller, and cash transactions with the automatic transaction device 9 with the customer are performed.

If there is a shortage of cash in the cash depositing / dispensing apparatus 5 at the counter during business hours, the teller tells the required amount on the cashier slip and performs the same processing as described above.

Also in the automatic transaction device 9, when cash payment is insufficient during operation, the alarm status of the device is known, the ATM person in charge fills in the required amount in a reimbursement slip, and the same as described above, between the cashier and the original person. Deliver cash.

After the business is completed and the store is closed, the teller checks the transaction slip of the day with the handling cash, check, etc., and if they match, passes the inspection ticket and the cash / check etc. to the cashier / checker,
The cashier confirms the count of the received cash, and the day cash management at the business office ends.

[Problems to be solved by the invention]

However, according to the above-described conventional technology, there is an unstable factor of cash handling by a clerk during cash management, so that reliable cash management cannot be realized.

In other words, as long as there is a portion that requires human intervention, there is a problem that occurrence of a processing accident such as an error in counting, slip writing / reading, or loss is inevitable.

Taking the transfer of cash between the cash dispensing machine of the cashier / principal system and the cash dispenser at the counter, for example,
Since it is carried out through two members, the cashier / retailer and the teller, it is unclear which one is responsible if the counting does not match.

Such accidents are usually found at the time of scrutiny after the end of work, and it takes a long time to investigate the cause because the time has elapsed since the accident occurred,
In addition, there was a problem that it could not be determined.

Also, as one of the issues for financial institutions, it is necessary to activate cash by keeping stock cash to a minimum and increasing the amount of cash circulated.

However, according to the above-described conventional example, the only way to confirm the cash stored in the various cash processing devices in the branch office system is to perform a close inspection process. For this reason, there was a problem that the amount of stock cash increased.

Further, the necessity of filling and collecting cash in various cash processing apparatuses in the branch office system is known after the occurrence of cash shortage or fullness, and it is not possible to predict when to stop the operation of the apparatus.

For this reason, there is a problem that the operation of the apparatus must be stopped even during the time when processing is concentrated or the like and cash filling or collection must be performed, and customer service deteriorates.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and has as its object to prevent cash accidents in a business store by allowing only manual transportation in cash movement.

Another object of the present invention is to make it possible to find out immediately after a cash accident has occurred, thereby facilitating investigation of the cause of the cash accident in a sales office.

The present invention further provides a cash balance for each cash processing device.
An object of the present invention is to enable monitoring by a primary system so that stock cash in each cash processing device is always kept to a minimum and that it is possible to predict when to stop operation of the device.

[Means for solving the problem]

In order to achieve this object, the present invention is a cash management system that takes out cash from the cashier / principal system and transfers it to the cash processing device, and takes out cash from the cash processing device and collects it in the cashier / principal system. It is provided with a transfer ticket that records movement data including cash data of cash that moves between the accounting / primary system and the cash processing device, and stores cash cash data that moves between the accounting / primary system and the cash processing device. A cash management terminal is provided, and at the time of repayment, the cash processing device records the transfer slip data on the transfer slip,
The transfer slip data is sent to the cash terminal device, the cashier / principal system receives cash data from the cash management terminal based on the transfer slip data and releases cash, and the cash processing device receives the cash. When the counting result matches the cash data received from the cash management terminal, the reimbursement process ends, and at the time of the reimbursement process, the cash processing device records the transfer slip data on the transfer slip. And, while releasing cash based on the transfer form data, sending the transfer form data to the cash management terminal, the cashier / principal system performs counting when the cash released from the cash processing device is inserted, When the counting result matches the cash data received from the cash management terminal, the collection process is terminated.

Further, the present invention is characterized in that, in the system, the cash balance transmitted from each cash processing device to the cash management terminal is monitored by the accounting / principal system.

[Action]

According to the present invention described above, the cash processing device records the transfer slip data on the transfer slip and sends the transfer slip data to the cash terminal device at the time of remittance, and the cashier / origin system uses the transfer slip data based on the transfer slip data. Receiving the cash data from the cash management terminal and releasing the cash, the cash processing device performs counting when the cash is input, and when the counting result matches the cash data received from the cash management terminal, the cash is collected. The process ends.

Also, at the time of the collection process, the cash processing device records the transfer slip data on the transfer slip, releases cash based on the transfer slip data, sends the transfer slip data to the cash management terminal, When the cash released from the cash processing device is input, counting is performed, and when the counting result matches the cash data received from the cash management terminal, the collection process ends.

Therefore, according to this, human intervention in the movement of cash is only transportation, and it is possible to prevent a cash accident,
Even if a cash accident occurs, it can be found when the cash counting result is compared with the cash data, so that reliable cash management can be performed.

In addition, since the cash balance sent from each cash processing device to the cash management terminal is monitored by the cashier / primary system, it is necessary to grasp the necessity of repatriation and collection for each cash processing device at any time. And cash can be activated.

〔Example〕

 Embodiments will be described below with reference to the drawings.

 FIG. 1 is a block diagram showing one embodiment of the present invention.

In the drawing, reference numeral 1 denotes a cashier / principal system which is a center of cash management in a branch office. The cashier / principal system 1 includes a cashier / principal terminal 2 having an input keyboard, a display unit, a memory, a microcomputer, and cash payment. It is composed of a sorting machine 3 and a cash discharging machine 4.

Reference numeral 5 denotes a cash dispensing / dispensing device arranged at a counter, and 6 denotes a counter terminal (OTM = online teller's machine) having an input keyboard, a display unit, a memory, a microcomputer, and a printing device. And the cash depositing / dispensing device 5 is connected to the online network 11.

Reference numeral 9 denotes an automatic transaction apparatus for executing various transaction operations in accordance with the operation of the customer. The automatic transaction apparatus 9 is connected to the online network 11 of the sales office system in the same manner as the counter terminal 6.

12 is a cash management file for all stores connected to the host computer 8, and 7 is an online network of the branch system.
Reference numeral 11 denotes a terminal computer connected to the host computer 8.

Reference numeral 13 denotes a first cash management file connected under the terminal computer 7, and the first cash management file 13 manages cash management data of a branch office on a yearly and monthly basis as a journal. By analyzing,
Used for purposes such as determining the amount of daily funding required.

 Next, a configuration according to a main part of the present invention will be described.

Reference numeral 14 denotes a cash management terminal (specific terminal for cash management) having an input keyboard, a display unit, and a microcomputer. The cash management terminal 14 is connected to the online network 11 of the sales office system, and the cash management terminal 14 is disposed under the cash management terminal. The original system 1 is connected.

Reference numeral 15 denotes a second cash management file (specific file for cash management) connected under the cash management terminal 14, and the second cash management file 15 is the cashier / origin terminal 2, the automatic transaction device 9, and The cash transfer slip data sent from each of the counter terminals 6 is recorded at any time.

Here, the operation management of the cashier / major system 1 is managed by the cashier / major member, the cash management unit 5 arranged at the counter is managed by the teller, and the maintenance management of the automated teller machine 9 is managed by the ATM. The person in charge performs it.

Normally, the cash management terminal 14 does not have a dedicated staff member, and the office manages it. Next, the operation of the cash management system having the above configuration will be described.

FIG. 2 and FIG. 3 are flowcharts showing the flow of cash transfer by the cash management system of this embodiment.

<Repayment Process> First, a description will be given of a reimbursement process in which cash is transferred from the cash-receipt / receipt to the counter according to the flowchart of FIG.

First, the teller tells the data required for the remittance by keyboard and creates the moving slip data (SA1).

FIG. 4 is an explanatory diagram showing the format of such transfer slip data, in which the subjects to be handled 16, cash receipt, cash transfer, currency exchange, etc. are distinguished. It is a "cash receipt".
The terminal number 17 distinguishes the number of each cash processing device, and the teller number 18 distinguishes the ID number of the handling teller. The date 19 and the time 20 are a record of the date and time when the transfer slip data was created. Cash data 21
Is the total amount, the amount of the denomination, the number of sheets and the denomination of cash on hand,
Distinguish the number.

When the creation of the transfer slip data is completed (SA2), the counter terminal 6 sends this transfer slip data to the cash management terminal 14 (SA
3).

The cash management terminal 14 stores the transfer form data in the second cash management file 15 (SA4).

Subsequently, the teller teller prints out the moving slip by the printing device of the teller terminal 6 (SA5). This is equivalent to a conventional payment slip.

Subsequently, the teller teller prints out the moving slip by the printing device of the teller terminal 6 (SA5). This is equivalent to a conventional payment slip.

If the transfer slip is replaced with a transfer slip card having a magnetic stripe for writing the transfer slip data and a card reader is connected to the cashier / origin terminal 2 to read and input the transfer slip data, Manual input at the original terminal 2 can be omitted, and input errors can be reduced.

After printing out the transfer slip at the teller terminal 6, the teller tells the transfer slip to the cashier and the former person, and requests the funds on the day.

The cashier / original person receives the presented transfer slip and inputs only the subject, terminal number and teller number to the cashier / original terminal 2 (SA6).

The accounting / original terminal 2 requests cash data from the cash management terminal 14 based on the input data (SA7).

The cash management terminal 14 extracts the transfer slip data corresponding to the transmitted subject, terminal number and teller number from the second cash management file 15 (SA8), and transfers the cash data of the transfer slip data to the cashier / origin terminal 2. Forward to (SA
9).

The accounting / original terminal 2 sends the received cash data to the cash dispenser 4, and the cash dispenser 4 discharges a denomination based on the cash data (SA10).

The cashier and the original person hand this cash to the teller teller,
The teller's teller receives this, and the cash deposit and withdrawal device 5 at the teller
To

The cash depositing / dispensing device 5 counts the input cash (SA11), compares it with the cash data of the transfer slip data created in S2 (SA12), and when they match, completes the reimbursement transaction and simultaneously executes the cash management terminal.
The match notification is transferred to 14 (SA13).

If they do not match, the cash storage is suspended, an alarm indicating the occurrence of mismatch is displayed on the display unit or the like (SA14), and the staff is urged to investigate the cause.

In addition, the cash management terminal 14 does not receive this coincidence notification,
A predetermined teller teller and a cashier / principal clerk continue to display on the display that the reimbursement process is in progress.

 This completes the reimbursement process for the counter.

On the other hand, in the case of the automatic transaction apparatus 9, the transfer slip is created by the specific counter terminal 6 or the accounting / original system 1, and the same processing as described above is performed. Here, the problem is the storage count of the automatic transaction device 9, but an automatic transaction device with an automatic cash replenishment function has already been developed, and the storage count is performed using this function.

<Recovery Processing> Next, a case where cash is collected from the counter and delivered to the cashier / depositor will be described with reference to the flowchart of FIG.

First, the teller tells the data required for collection by keyboard (SB1) to create the moving slip data.

The format of the transfer form data is the same as that shown in FIG. 4. In this case, since the cash is transferred from the window to the cashier and the principal, the subject 16 is "cash transfer".

When the creation of the transfer slip data is completed (SB2), the counter terminal 6 sends this transfer slip data to the cash management terminal 14 (SB
3).

The cash management terminal 14 stores the transfer form data in the second cash management file 15 (SB4).

Subsequently, the cash depositing / dispensing device 5 at the window releases cash of a denomination amount based on the cash data of the transfer slip data (SB
5) The counter terminal 6 prints out the moving slip by the printing device (SB6). This is equivalent to the conventional inspection form.

At this time, the teller tells the cashier and cashier the transfer slip and transfers the cash released from the cash depositing / dispensing device 5.

The cashier / former receives the transfer slip and cash, and inputs only the subject, terminal number and teller number to the cashier / former terminal 2 (SB7).

The accounting / original terminal 2 requests cash data from the cash management terminal 14 based on the input data (SB8).

The cash management terminal 14 takes out the transfer slip data corresponding to the transmitted subject, terminal number and teller number from the second cash management file 15 (SB9), and transfers the cash data of the transfer slip data to the cashier / origin terminal 2. Transfer to (SB1
0).

Next, the cashier / principal terminal 2 puts cash into the cash depositor 3.

The cash deposit arrangement machine 3 counts the input cash (SB11) and sends the counting result to the cashier / origin terminal 2.

The cashier / original terminal 2 checks the counting result against the cash data of the transfer slip data transferred in S10 (SB12).
The match notification is transferred to 14 (SB13).

If they do not match, the cash storage is suspended, an alarm indicating the occurrence of mismatch is displayed on the display unit or the like (SB14), and the staff is urged to investigate the cause.

In addition, the cash management terminal 14 does not receive this coincidence notification,
The display tells that the teller and the cashier / former are in the process of collecting.

 This completes the collection process from the window.

On the other hand, in the case of the automatic transaction apparatus 9, the transfer slip is created by the specific counter terminal 6 or the accounting / original system 1, and the same processing as described above is performed.

<Other Functions> The functions of the cash management terminal 14 include a central function of controlling cash data related to the above-mentioned cash transfer, a cash amount in a store, a real-time search function of a position, a total analysis of cash in a store, and the like.

Among them, the real-time search function is used to periodically collect cash from the teller terminal 6 and the automatic transaction device 9 and, in particular, to know the cash balance of the automatic transaction device 9 to prevent a down due to a shortage of funds in advance. be able to.

〔The invention's effect〕

As described above, the present invention relates to a cash management system that takes out cash from a cashier / principal system, transfers the cash to a cash processor, and takes out cash from the cash processor and collects it in the cashier / principal system. A cash management system that includes a transfer slip that records movement data including cash data of cash that moves between the primary system and the cash processing device, and that stores cash cash data that moves between the accounting / primary system and the cash processing device. At the time of payment, the cash processing device records the transfer slip data on the transfer slip and sends the transfer slip data to the cash terminal device at the time of reimbursement, and the cashier / primary system manages cash based on this transfer slip data. Receiving cash data from the terminal and releasing cash, the cash processing device performs counting when the cash is inserted, and receives the counting result from the cash management terminal. When the cash data coincides with the cash data, the reimbursement process is terminated, and at the time of the collection process, the cash processing device records the transfer slip data on the transfer slip, releases cash based on the transfer slip data, and outputs the transfer slip data. Is sent to the cash management terminal, and the cashier / counter system performs counting when the cash released from the cash processing device is inserted, and collects the cash when the counting result matches the cash data received from the cash management terminal. Is to be terminated.

Therefore, according to this, it is possible to unify the data management of the cash transfer between the cashier / source system and each cash processing device, and to automate the collation of the data with the actual count value and the determination of whether the transfer has been established. As a result, it becomes possible to perform only manual intervention in the movement of cash, thereby obtaining an effect of preventing a cash accident.

In addition, the present invention, in the collation of the cash value and the count value,
If the two do not match, cash transfer will not be established, so even if a cash accident occurs, it will be possible to find it immediately, and it will be easier to investigate the cause of the cash accident, and to ensure the above effects together with Thus, an effect is obtained in that efficient cash management becomes possible.

Further, the present invention monitors the amount of cash transmitted from each cash processing device to the cash management terminal in the cashier / primary system. It becomes possible to grasp,
There is also an effect that the cash can be activated by always keeping the stock cash to a minimum.

[Brief description of the drawings]

FIG. 1 is a block diagram showing one embodiment of the present invention, FIG. 2 is a flowchart showing a reimbursement process in the embodiment, FIG.
The figure is a flowchart showing the collection process in the embodiment,
FIG. 4 is an explanatory diagram showing the format of the moving ticket data, and FIG. 5 is a block diagram of a conventional example. DESCRIPTION OF SYMBOLS 1 ... Cash-receipt / principal system 2 ... Cash-disbursement / principal terminal 3 ... Cash-receipt arrangement machine 4 ... Cash dispensing machine 5 ... Cash dispensing and dispensing device 6 ... Currency terminal 9 ... Automatic transaction device 11 ... Online network 14 ... Cash management terminal 15 … Second cash management file 21… Cash data

Claims (2)

(57) [Claims] Claims: 1. A cash management system for taking out cash from a cashier / principal system, transferring the cash to a cash processor, and taking out cash from the cash processor and collecting it in the cashier / principal system. Along with a transfer ticket that records transfer data including cash data of cash that moves between the cash processing devices, a cash management terminal that stores cash data of cash that moves between the cashier / primary system and the cash processor is provided. At the time of reimbursement, the cash processing device records the transfer slip data on the transfer slip, and sends the transfer slip data to the cash terminal device, and the cashier / originating system uses the transfer slip data to transmit the cash data from the cash management terminal. Receiving the cash and releasing the cash, the cash processing device performs counting when the cash is inserted, and the counting result is the cash data received from the cash management terminal. When the payment is completed, the reimbursement process is terminated, and at the time of the collection process, the cash processing device records the transfer slip data on the transfer slip, releases cash based on the transfer slip data, and manages the transfer slip data in cash. The cash is sent to the terminal and the cashier / counter system counts when the cash released from the cash processing device is inserted, and ends the collection process when the counting result matches the cash data received from the cash management terminal. A cash management system characterized in that: 2. The cash management system according to claim 1, wherein the cash amount transmitted from each cash processing device to the cash management terminal is monitored by a cashier / origin system.