JP4089775B2 - Teller machine processing system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a cashier processing system for managing cash deposits and withdrawals at a sales office of a financial institution such as a bank.
[0002]
[Prior art]
Banks and other financial institutions have a cash machine as a cash processor for managing cash deposits and withdrawals throughout the store. Conventionally, such a cashier has been operated exclusively by a cashier. However, in recent years, a cashier or a person in charge of public relations has been operating the cashier to perform a desired process.
[0003]
For example, the person in charge at the counter makes cash withdrawals to the depositing / dispensing machine at the window, or the money collected from the depositing / withdrawing machine at the window is used. It is designed to deposit cash that was taken home from the beginning. In this way, in recent years, each person in charge operates the cashier without going through the cashier, so it is called an “open cashier”. As shown in FIG. 1, the cashier is generally a cashier. It has come to be installed in the back of the counter of the sales office outside.
[0004]
On the other hand, cashiers handle deposits and withdrawals directly from the cashier for large deposit / withdrawal transactions, or pay cash in and out of the vault when paying with cash on hand. The cash balance processing is managed by the cashier.
[0005]
In addition, the cashier in charge managed the operating status of the cashier and replenished / collected the cash in the cashier when there was an excess or deficiency in the cash.
[0006]
[Problems to be solved by the invention]
However, in recent bank offices, there are many cases in which a cashier room is constructed in a separate room that is not visible at all locations in the store, and there is a problem that it is not possible to monitor the status of the cashier at the branch office and the amount of cash on hand. .
[0007]
Also, in this situation, as for the deposit / withdrawal processing with cash processing accepted by the cashier as usual, the cashier must go to the cashier, but the cashier cannot see the cashier directly. In addition, there are many cases that other personnel are in use when going to the cashier, and there is a problem that work efficiency is poor.
[0008]
In such a case, the cashier does not go to the cashier, but enters the deposit / withdrawal reservation data from a terminal at a location away from the cashier, and the actual cash deposit / withdrawal at the cashier is If you can do it in your spare time, work efficiency will improve. Further, if the operating state of the teller machine can be monitored from the terminal, work efficiency is further improved.
[0009]
The present invention has been made in view of such circumstances, and the object of the present invention is to input reservation data for deposits and withdrawals from a terminal located at a location remote from the cashier without the cashier being sent to the cashier. It is an object of the present invention to provide a cashier processing system that allows cash to be deposited and withdrawn at a time when the cashier is available.
[0010]
[Means for Solving the Problems]
The present invention relates to a cashier processing system, and the above-described object of the present invention is to be installed at a financial institution's sales office, and to be able to communicate with the cashier and a cashier that manages cash deposits and withdrawals and cash in the store. A cashier processing system in a financial institution branch comprising a connected terminal, wherein the terminal is a deposit / withdrawal processing data for deposit / withdrawal processing without cash deposit / withdrawal to / from the cashier , Having a selection transmission function of selecting any of the deposit / withdrawal processing reservation data for deposit / withdrawal processing involving cash deposit / withdrawal to the cashier and transmitting to the cashier, wherein the cashier is the terminal If the data transmitted from the machine is the deposit / withdrawal process data, the deposit / withdrawal process is immediately executed to update the cash balance, and when the data transmitted from the terminal is the deposit / withdrawal process reservation data, Enter and exit gold processing reservation data And having a function of storing the processed reservation data storage means, it is achieved by teller machine processing system.
[0011]
In addition, the above object of the present invention is that the terminal has a function of monitoring the operating status and operating state of the teller machine, or the terminal has a function of making a reservation list inquiry and / or canceling a reservation. This is achieved more effectively.
[0012]
DETAILED DESCRIPTION OF THE INVENTION
In the present invention, the cashier does not go to the cash machine, but inputs the reservation data for deposit / withdrawal from a terminal located at a location remote from the cash machine, and the cash deposit / withdrawal in the cash machine is not available. The present invention relates to a teller machine processing system that can be performed at a certain time.
[0013]
Below, the processing system of the teller machine which concerns on this invention is demonstrated with reference to drawings.
[0014]
FIG. 1 is a layout diagram of a financial institution where a processing system of a teller machine according to the present invention is installed. A teller machine 100 and a terminal device 200 installed in the teller room are connected by a communication line 300 (for example, a LAN in a bank). It is connected.
[0015]
FIG. 2 is an external view showing an example of the teller machine 100. As shown in FIG. 2, the depositing / dispensing machine 100 includes a bundled bill dispensing device 114 having a bundled bill dispensing port 108, a rose bill depositing / dispensing device 115 having a bill dispensing port 109 and a bill insertion port 110, and packaging. A wrapping coin dispensing device 116 having a coin dispensing port 111, a rose coin depositing / dispensing device 117 having a coin dispensing port 112 and a coin insertion port 113, and a new ticket dispensing port 106 to dispense a new ticket. A new ticket dispensing device 107 for printing, an authentication printing printer 105 for performing authentication printing on a withdrawal slip, an operation unit 104 having keys for various operations of the cash dispenser, and a terminal unit 103. Yes. Further, the terminal unit 103 includes a display unit 102 for displaying various screens such as a cashier menu and a withdrawal process, an ID card reader 101 for an ID card used for confirming an operator's identity, And a box 118.
[0016]
FIG. 3 shows an example of the internal configuration of the teller machine 100. A control unit 120 such as a CPU controls the whole according to a program stored in the ROM 130, and the control unit 120 stores data in a hard disk. A drive 160 is connected to a flexible disk drive 150 for inputting / removing data to / from the flexible disk, and a display unit 102, an operation unit 104, an ID card reader 101, and an authentication printer 105 are further connected. Further, the control unit 120 includes a new ticket dispensing device 107, a bundled bill dispensing device 114, a loose banknote depositing / dispensing device 115, a wrapping coin dispensing device 116, a loose coin depositing / dispensing device 117, and a non-cash box 118. Is connected.
[0017]
Further, a communication IF 170 is connected to the control unit 120, and is connected to the terminal device 200 via the communication line 300. The RAM 140 is a working memory for the control unit 120.
[0018]
FIG. 4 is an external view illustrating an example of the terminal 200. As shown in FIG. 4, the terminal 200 includes an authentication printing printer 205 for performing authentication printing on a withdrawal slip, an operation unit 204 including keys for various operations of the terminal 200, and a terminal unit 203. And. Further, the terminal unit 203 includes a display unit 202 for displaying various screens such as a terminal menu and deposit / withdrawal processing, and an ID card reader 201 for an ID card used for confirming an operator's identity. ing.
[0019]
FIG. 5 shows an example of the internal configuration of the terminal 200. A control unit 220 such as a CPU controls the whole according to a program stored in the ROM 230, and the control unit 220 stores a hard disk for storing data. A drive 260 and a flexible disk drive 250 for inputting / removing data to / from the flexible disk are connected, and a display unit 202, an operation unit 204, an ID card reader 201, and an authentication printer 205 are further connected. In addition, a communication IF 270 is connected to the control unit 220 and is connected to the teller machine 100 via the communication line 300. The RAM 240 is a working memory for the control unit 220.
[0020]
FIG. 6 shows an example of the keyboard layout of the operation units 102 and 202.
[0021]
With such a configuration, the operation of the processing system of the teller machine according to the present invention will be described with reference to the flowchart of FIG.
[0022]
A person in charge in the cashier room inputs an ID card for identifying the person in charge into the ID card reader 201 of the terminal 200 (step S1). FIG. 8 shows an example of a screen displayed when the terminal is turned on.
[0023]
Next, if the process to be performed involves depositing / withdrawing cash at the teller machine (YES in step S2), “reservation” is selected from the menu screen (FIG. 9) of the terminal 200, and the operation unit Press “execute” on the keyboard 204 (step S3). Then, a reservation input screen as shown in FIG. 10 is displayed. For example, when “1. Deposit reservation” is selected, a deposit reservation screen as shown in FIG. 11 is displayed. On this screen, the amount entered on the slip is keyed in accordance with the instructions on the screen (step S4). In FIG. 11, “total 100 sheets” in deposit means that the total number of slips is 100 sheets.
[0024]
In principle, cash is automatically counted later with a cashier. However, it is clear that this is a non-performing card that is clearly rejected by a machine by hand. In FIG. 11, “cash (manual input) 10,000 yen” is that amount. Also, if cash and check etc. are mixed in one voucher, the portion of the check etc. is entered in the column of “Our shop ticket” or “Other shop ticket”. When the input is completed and the “Done” key on the keyboard is pressed, the reservation data is transmitted to the teller machine 100 via the communication line 300 (step S7). As described above, the present invention is characterized in that deposit / withdrawal data can be input in advance on the terminal side regardless of the usage state on the cashier side.
[0025]
On the cashier side that has received the reservation data, the reservation data is stored in the hard disk 160 (step S9). To cancel the reservation data, it is possible to select “21. Reservation inquiry / cancellation” on the menu screen of FIG.
[0026]
If the person in charge in the teller room displays the operating state information of the teller machine displayed on the screen of the terminal 200 (for example, the menu screen of FIG. 9) (if “standby” is displayed), the machine is free. If it is found that the teller machine is vacant (YES in step S10), it leaves the teller room and goes to the teller machine 100. Therefore, an ID card for confirming the identity of the person in charge is input to the ID card reader 101 of the teller machine 100 (step S11). Then, the “reservation list” key on the keyboard of the operation unit 104 of the teller machine 100 is pressed to display the reservation list screen (FIG. 13), the reservation data reserved previously is selected with the cursor, and the execution key is pressed to call it (step S12). And an instruction screen as shown in FIG. 14 is displayed. Therefore, the cash is inserted into the cash slot (the banknote slot 110 or the coin slot 113) of the teller machine 100 and the execution key is pressed (step S13). When cash is counted by the cashier, the screen of FIG. 15 is displayed and the counting result is displayed. If there is a discrepancy between the amount entered for reservation and the amount actually entered, it is displayed in the “Difference” column of FIG.
[0027]
When the cash process is completed and the “complete” key is pressed, the in-store account is updated (step S14), and the deposit / withdrawal process is completed.
[0028]
On the other hand, when the processing to be performed does not involve cash deposit / withdrawal at the cash machine, for example, in the case of payment processing from cash on hand or fund transfer processing (large deposit / withdrawal etc.), the terminal 200 In the menu screen (FIG. 9), a non-reservation process such as “1. Deposit” is selected (step S5), necessary data is input, and the completion key is pressed (step S6). Is transmitted to the machine 100 (step S7). If the teller machine determines that the sent data is not reservation data (NO in step S8), the process jumps to step S14, immediately updates the in-store account and ends the process. In addition, even if it is a process regarding cash, the reservation process is not performed when the process is performed only by manual input (for example, in the case of only a non-conformity ticket). FIG. 12 shows an example of a screen when manual input is performed.
[0029]
Further, the terminal 200 in the teller machine processing system according to the present invention also has a function of confirming an operating state and a stock amount of the teller machine.
[0030]
That is, when a “status display” key on the keyboard of the operation unit 204 of the terminal 200 is pressed, a status display screen as shown in FIG. 16 is displayed, and the amount of each unit is displayed as an animation. In FIG. 16, reference numeral 116 represents the amount of the wrapping coin dispensing device, and indicates that the wrapping coin of exactly 100 yen is empty. If you look at this, you can see at a glance the status of the stock of each department, and it will be easy to make a decision on replenishment of the deficient denomination. Furthermore, the lower part of FIG. 16 shows the operating state of each part of the teller machine, and FIG. 16 shows that it is currently on standby (is free). In this way, it is possible to know the operating state of the teller machine from the terminal without having to go to the teller machine.
[0031]
Furthermore, FIG. 17 shows the balance information of the entire sales office that the teller machine has, and can be displayed on the display unit 202 of the terminal by pressing the “stock” key on the keyboard of the terminal. If the “Start” key on the keyboard is pressed on this screen, printing can be performed on the authentication printer 205.
[0032]
The same effect can be obtained by installing the terminal 200 in a hub store or business center without installing it in the same store as the teller machine.
[0033]
【The invention's effect】
According to the cashier processing system according to the present invention, by using the reservation process, the load of the cashier can be distributed and the waiting time can be leveled.
[0034]
In addition, while a general bank employee is performing cash processing, a cashier can make a reservation input for items that involve cash processing, and those that do not involve cash processing can perform direct processing (in-store account update).
[0035]
In addition, the entered reservations can be processed together at the time when the teller machine is available, and it is only necessary to select from the reservation list at that time. This has the effect of reducing the number of movements.
[Brief description of the drawings]
FIG. 1 is a sketch of a sales office of a financial institution in which a teller machine processing system according to the present invention is installed.
FIG. 2 is an external view showing an example of a teller machine.
FIG. 3 is a diagram illustrating an internal configuration example of a teller machine.
FIG. 4 is an external view illustrating an example of a terminal.
FIG. 5 is a diagram illustrating an internal configuration example of a terminal.
FIG. 6 is an example of a keyboard layout of an operation unit.
FIG. 7 is a flowchart showing the operation of the processing system for the teller machine according to the present invention.
FIG. 8 is an example of an ID card input screen for a cashier and a terminal.
FIG. 9 is an example of a menu screen of a cashier / terminal.
FIG. 10 is an example of a reservation menu screen of a terminal.
FIG. 11 is an example of a deposit reservation screen of the terminal.
FIG. 12 is an example of a manual input screen of a terminal.
FIG. 13 is an example of a reservation inquiry screen for a cashier and a terminal.
FIG. 14 is an example of a cash input instruction screen of the teller machine.
FIG. 15 is an example of a payment process confirmation screen of the cashier.
FIG. 16 is an example of a terminal status display screen;
FIG. 17 is an example of a cash amount inquiry screen of a terminal.
[Explanation of symbols]
100, 200 Teller 101, 201 ID card reader 102, 202 Display unit 103, 203 Terminal unit 104, 204 Operation unit 105, 205 Authentication printer 200 Terminal 300 Communication line

Claims (3)

A financial institution's sales office that is installed at a financial institution's sales office and includes a cashier that manages cash deposits / withdrawals and bank balances, and one or more terminals that are communicably connected to the cashier A teller machine processing system in
The terminal includes deposit / withdrawal processing data for deposit / withdrawal processing without cash deposit / withdrawal to / from the cashier and deposit / withdrawal processing reservation data for deposit / withdrawal processing with cash deposit / withdrawal to / from the cashier. Having a selective transmission function of selecting one and transmitting to the teller machine;
If the data transmitted from the terminal is the deposit / withdrawal process data, the teller machine immediately executes the deposit / withdrawal process to update the cash balance, and the data transmitted from the terminal is the deposit / withdrawal process reservation data. In some cases, the deposit / withdrawal process reservation data has a function of storing in the deposit / withdrawal process reservation data storage means,
Teller machine processing system. The teller machine processing system according to claim 1, wherein the terminal device also has a monitor function of a balance status and an operating state of the teller machine. The processing system for a teller according to claim 1 or 2, wherein the terminal has a function of making a reservation list inquiry and / or canceling a reservation.

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