JP6074493B2 - Money handling system - Google Patents

Description

  The present invention relates to a money handling system including a money handling main body and a money handling terminal configured to communicate with each other.

  Japanese Utility Model Registration No. 2599232 discloses a cash management apparatus. In the cash management apparatus, a storage is provided for each denomination, and a weight measuring unit is provided for each storage. The weight for each denomination is measured by the weight measuring means, and the number of bars for each denomination is calculated from the weight. The calculated number of bars is stored and displayed together with the measurement date and time. The measurement of the weight, the calculation of the number of bars, and the storage are performed every time the cash management apparatus is operated (each time there is a data change).

  Such a device is used when the cash in the teller machine becomes too large to deposit when depositing. And when the cash in the teller machine decreases, cash is taken out from such a device and replenished to the teller machine.

  When such a device is used, the bank clerk enters the deposit amount or withdrawal amount in a ledger or the like when operating the deposit and withdrawal.

  However, a problem arises if the deposit / withdrawal amount entered in the ledger is different from the actual deposit / withdrawal amount. Since only the actual deposit / withdrawal amount can be measured on the device side, it cannot be examined whether the deposit / withdrawal amount entered in the ledger is correct. Further, such an apparatus does not manage who has performed the deposit / withdrawal operation (anyone can open and close the storage if it is a clerk). Therefore, for example, it is theoretically possible for a bank clerk to cheat the deposit / withdrawal amount.

  Moreover, in such an apparatus, since the management of the amount of money of a teller machine and a money management apparatus is not interlocked, it is difficult to manage them comprehensively.

  On the other hand, Japanese Patent No. 2726550 discloses a cash management system that can total the cash balances of a plurality of automatic transaction apparatuses. This system can comprehensively manage the stocks of a plurality of automatic transaction apparatuses.

  However, the system described in this patent does not provide a new technique for the bank deposit / withdrawal operation.

Utility Model Registration No. 2599232 Japanese Patent No. 2726550

  The present invention has been made in order to solve such a problem, and provides a money handling system that can easily manage the operations of individual deposits and withdrawals and can prevent an erroneous operation by a bank clerk. For the purpose.

A main aspect of the present invention relates to a money handling system including a money handling main body for dispensing or depositing money, and a money processing terminal connected to and communicable with the money processing main body for storing and storing money. . In the money handling system according to this aspect, the money handling main body includes an operation unit for inputting details of an entry / exit operation. Further, the money handling terminal includes a display unit , a storage for storing and storing money, and an open state in which money can be deposited and withdrawn and a locked state in which money cannot be deposited and withdrawn. A lock control means for switching between and a key, and using the communication function, obtain details of the entry / exit operation input by the operation unit, and at least part of the details of the entry / exit operation by the display unit indicate. The lock control means switches the storage from the locked state to the open state based on the operation of the key after the details of the entry / exit operation are displayed on the display unit.

  According to the present invention, it is possible to easily manage each deposit / withdrawal operation, and to prevent an erroneous operation by a bank clerk.

It is a system schematic diagram showing an embodiment of the present invention. It is a perspective view which shows the external appearance of the teller machine of FIG. It is a functional block diagram of the teller machine of FIG.1 and FIG.2. It is a perspective view which shows the external appearance of the money management apparatus of FIG. It is a perspective view of the 2nd banknote storage drawer of the money management apparatus of FIG.1 and FIG.4. It is a perspective view of the 2nd coin storage drawer of the money management apparatus of Drawing 1 and Drawing 4. FIG. 7 is a schematic side view of the coin storage container of FIG. 6. It is a perspective view of the preliminary | backup storage of the money management apparatus of FIG.1 and FIG.4. It is a functional block diagram of the money management apparatus of FIG.1 and FIG.4. It is a flowchart of an example of the entry / exit operation preparation process in the cash machine side. It is a flowchart of an example of the entry / exit operation preparation process in a money management apparatus. It is a flowchart of an example of the drawer opening / closing process (input / output operation process) in a money management apparatus. It is a flowchart of an example of the scrutinization process in a money management apparatus.

  FIG. 1 is a system schematic diagram showing an embodiment of the present invention. A money handling system 300 shown in FIG. 1 includes a cashier 100 and a money management device 200 (also called a cash bus) configured to be able to communicate with each other. The teller machine 100 functions as a money handling main body machine, and the money management apparatus 200 functions as a money handling terminal machine. The teller machine 100 and the money management apparatus 200 may be understood as an upper money processing apparatus and a lower money processing apparatus, respectively. That is, for example, both may be constituted by money handling devices having the same specification. In addition, a plurality of money management devices 200 may be provided so as to be communicable with one teller machine 100.

  FIG. 2 is a perspective view showing the appearance of the teller machine 100. FIG. 3 is a functional block diagram of the teller machine 100.

  As shown in FIG. 2, the teller machine 100 includes a banknote processing unit 11 including a bundled banknote processing unit P1 that processes bundled banknotes and a rose banknote processing unit P2 that processes bulk banknotes, and a rose coin processing apparatus that processes loose coins. 12 and a wrapping coin processing device 13 for processing wrapping coins. In FIG. 2, 21 is a bundled bill dispensing port for dispensing bundled bills, 22 is a rosed bill dispensing port for dispensing rose bills, 23 is a wrapping coin dispensing port for dispensing wrapping coins, and 24 is a rose coin. Is a rose coin outlet.

  Further, the teller machine 100 includes a non-cash box 14 for inputting securities other than cash, a control unit 15 for controlling the entire teller machine 100, a keyboard type operation unit 16 for giving various instructions to the control unit 15, and a control unit. 15 includes an external printer 18 that performs a printing process in accordance with an instruction by 15. The external printer 18 functions as a receipt issuing device. In the present embodiment, in order to provide operation information to the authorized person, a receipt on which a 4-digit number corresponding to the operation information is displayed is issued.

  The control unit 15 includes, as a part thereof, a display unit 15a as an interface with the sales staff and the manager, and an ID card reader 15b that reads the contents of the ID card possessed by the sales staff and the manager. In this embodiment, an ID card reader is used. However, the ID card reader is not limited to this, and any known face authentication terminal or a device that authenticates a user such as a vein that authenticates a finger can be used. You may use.

  As shown in FIG. 3, the control unit 15 includes a ROM 15d storing various programs and data, a RAM 15e serving as a program load area and a work area during program execution, and a flexible disk that reads and writes data from and to the flexible disk. A drive 15f, a hard disk drive 15g that stores various programs and data, and a control main body 15c that controls the entire teller machine 100 by executing programs stored in the ROM 15d and the hard disk drive 15g are provided.

  As shown in FIG. 3, the teller machine 100 includes a communication interface (communication IF) 19 that performs data communication with the money management apparatus 200. Thereby, the cashier 100 (money processing main body machine) and the money management apparatus 200 (money processing terminal machine) can communicate with each other.

  FIG. 4 is a perspective view showing the external appearance of the money management apparatus 200. As shown in FIG. 4, the money management apparatus 200 includes a first banknote storage drawer 211 that stores and stores 10,000 yen banknotes, a second banknote storage drawer 212 that stores and stores banknotes of other denominations, and 100 yen. The first coin storage drawer 213 that stores and stores 10 yen and 1 yen coins, the second coin storage drawer 214 that stores and stores 500 yen, 50 yen, and 5 yen coins, and securities other than cash are also input. And a preliminary storage drawer 215 that can be used.

  In addition, the money management apparatus 200 includes a control device 225 (control means) that controls the entire money management apparatus 200, a keyboard type operation unit 226 that gives various instructions to the control device 225, and a user (salesperson and management). And an ID card reader 228 that reads the contents of an ID card possessed by the user who performs an operation of inserting and withdrawing money into the storage.

  The content of the ID card, that is, the ID information stored in the ID card is an aspect of the user information, and the ID card reader 228 is an aspect of the user information acquisition unit. In the example of FIG. 4, a contact type ID card reader 228 is employed, but a non-contact type card reader may be employed. In addition to the ID card reader, similarly to the teller machine 100, a device for using face authentication, vein authentication, or the like may be employed.

  FIG. 5 is a perspective view of the second banknote storage drawer 212 of the money management apparatus 200. As shown in FIG. 5, a bundle of banknotes of three kinds of denominations are regularly stored and stored in the second banknote storage drawer 212. In the example of FIG. 5, four banknote storage containers 221 to 224 are arranged inside the second banknote storage drawer 212, and the denomination of banknotes stored and stored is determined for each container.

  FIG. 6 is a perspective view of the second coin storage drawer 214 of the money management apparatus 200. As shown in FIG. 6, the second coin storage drawer 214 regularly stores and stores coins in three different denominations. In the example of FIG. 6, three coin storage containers 241 to 243 are arranged inside the second coin storage drawer 214, and the denomination of coins stored and stored is determined for each container.

  FIG. 7 is a schematic side view of the coin storage container 241 of FIG. As shown in FIG. 7, a load cell 261 is provided on the bottom surface of the coin storage container 241 as a measuring unit for measuring the weight of coins stored and stored in the coin storage container 241. Since the details of the configuration of the load cell are considered to be sufficiently known, a description thereof is omitted here. The load cells are similarly provided for the other coin storage containers 242 and 243 and the banknote storage containers 221 to 224. With such a configuration, the weight of the money stored and stored is measured for each denomination.

  In addition, FIG. 8 is a perspective view of the preliminary storage (preliminary drawer) 215. As shown in FIG. 8, the reserve storage 215 is provided with an empty space 253 in which securities other than cash can be put in addition to the coin reserve storage unit 251 and the bill reserve storage unit 252.

  Next, FIG. 9 is a functional block diagram of the control device 225 of the money management device 200. The control device 225 is stored in a ROM 225d storing various programs and data, a RAM 225e serving as a program load area and a work area during program execution, a hard disk drive 225g storing various programs and data, and a ROM 225d and hard disk drive 225g. An arithmetic control unit 225c that controls the entire money management apparatus 200 by executing a program or the like is provided.

  The calculation control unit 225c (calculation means) is connected to a load cell (weight measurement means) provided corresponding to each denomination and corresponds to the weight of stored and stored money based on the output value of the load cell. The amount of money to be calculated can be calculated. The hard disk drive 225g stores the amount of money calculated by the arithmetic control unit 225c (storage means).

  In the present embodiment, the ID information (user information) read by the ID card reader 228 is also stored in the hard disk drive 225g in a manner corresponding to the calculated amount of money (the amount stored and stored after the input / output operation). It has come to be remembered.

  In the present embodiment, furthermore, the amount of money entered and exited from the storage is input at the keyboard type operation unit 226 (input unit), and the calculation control unit 225c serves as a scrutinizing unit. The amount calculated from the output value of the load cell and the amount input by the keyboard type operation unit 226 can be scrutinized.

  As shown in FIG. 9, the money management apparatus 200 includes a communication interface (communication IF) 229 that performs data communication with the teller machine 100. Thereby, the money management apparatus 200 (money processing terminal) and the teller machine 100 (money processing main body machine) can communicate with each other.

  Further, the control device 225 according to the present embodiment is connected to open / close electromagnetic locks 211m to 215m provided in the drawers 211 to 215 as lock control means, and allows the drawers 211 to 215 to enter and exit the money. It is possible to switch between the open state and the locked state in which money cannot be entered and exited.

  As a condition for this switching control, user verification is employed in the present embodiment. Specifically, for example, ID information (user information) of a user set in advance as an authorized person is stored in the hard disk drive 225g and is read by the ID card reader 228 (user information acquisition means). The information is collated with the ID information of the authorized person by the arithmetic control unit 225c as the user identifying means. Only when the result of the collation is YES, that is, when the ID information read by the ID card reader 228 matches the ID information of the user set as a permitted person in advance, the control device 225 opens and closes the open / close electromagnetic lock 211m˜ 215m can be controlled and it can be set as the open state in which money can enter and exit.

  As another switching control condition, in this embodiment, in addition to user verification, verification of operation information may be employed. The operation information is, for example, operation information set for each deposit / withdrawal operation, and is usually data of deposit / withdrawal denomination and amount, but may also include data regarding the procedure of deposit / withdrawal operation. As a specific mode of collation of operation information, for example, operation information of an operation set in advance as a permitted operation is transferred and stored in the RAM 225e, for example, using the communication function from the teller machine 100, while the operation is performed by the user. A 4-digit operation number corresponding to the information can be input by the keyboard type operation unit 226 (operation information acquisition means). Then, the input 4-digit operation number information can be collated with the operation information transferred and stored by the arithmetic control unit 225c as the operation identifying means. In this case, the control device 225 only opens / closes the electromagnetic locks 211m to 215m only when the collation result is YES, that is, when the input 4-digit operation number matches the operation information of the permitted operation transferred and stored. Can be set to an open state in which money can be inserted and withdrawn. In this aspect, preferably, the open / close electromagnetic locks 211m to 215m can be individually controlled in accordance with the specific contents of the entry / exit operation. Specifically, only the drawer that stores the denominations to be entered and exited can be switched to the open state. Furthermore, it is also possible to employ a control mode in which each drawer is sequentially switched to an open state so that a plurality of drawers are not simultaneously opened.

  In addition, in this Embodiment, the following structures are further employ | adopted using the money management apparatus 200 (money processing terminal machine) and the teller machine 100 (money processing main body machine) mutually communicating. ing.

  The control unit 15 of the teller machine 100 (money processing main body machine) uses a communication function to check and / or scrutinize the data of the money management device 200 (money processing terminal). It is configured to function as. Specifically, the control unit 15 of the teller machine 100 (money processing main body machine) can control the arithmetic control unit 225c, which is a scrutinizing means, via the communication interface (communication IF) 19 and the communication interface (communication IF) 229. It is like that.

  The control unit 15 of the teller machine 100 (money processing main body machine) can also control the open / close electromagnetic locks 211m to 215m via the communication interface (communication IF) 19 and the communication interface (communication IF) 229. Yes.

  Specifically, the communication interface (communication IF) 229 functions as an unlock signal receiving unit that receives an unlock signal for controlling the open / close electromagnetic locks 211m to 215m (lock devices) to be opened. Correspondingly, the control unit 15 of the teller machine 100 (money processing main body machine) transmits a lock release signal via a communication interface (communication IF) 19 under a predetermined condition. ) 229.

  In this way, when the control of the open / close electromagnetic locks 211m to 215m is performed on the cashier 100 side, the specific conditions of control can be set or adjusted on the cashier machine 100 side. It is possible to more intensively manage the operation, and hence the management of the money input / output operation.

  In this case, it is preferable that the open / close electromagnetic locks 211m to 215m are configured to be automatically locked after the drawers are opened / closed after the open / close electromagnetic locks 211m to 215m are opened. Alternatively, the open / close electromagnetic locks 211m to 215m are preferably configured to be automatically locked after a predetermined time has elapsed since the open / close electromagnetic locks 211m to 215m have been opened.

  More preferably, the communication interface (communication IF) 229 functions as a lock signal receiving unit that receives a lock signal for controlling the open / close electromagnetic locks 211m to 215m (lock devices) to be locked. Correspondingly, the control unit 15 of the teller machine 100 (money processing main body machine) sends a lock signal to the communication interface (communication IF) 229 via the communication interface (communication IF) 19 under a predetermined condition. May be configured to transmit.

  In this case, the money management apparatus 200 further includes closing operation detection devices 211c to 215c that detect changes of the drawers 211 to 215 from the open state to the closed state, and a detection signal from the closing operation detection device is sent to the teller machine 100. It is preferable that the lock signal is transmitted when the teller machine 100 receives the detection signal. In this case, management of lock control of each drawer can be performed more centrally on the cashier 100 side.

  Alternatively, it is preferable that the open / close electromagnetic locks 211m to 215m are configured to be automatically locked when a predetermined time has elapsed since the open / close electromagnetic locks 211m to 215m have been opened. Moreover, it is preferable that the money management apparatus 200 is further provided with the opening operation detection apparatuses 211o-215o which detect the change from the closed state of each drawer 211-215 to an open state.

  In addition, a notification device (alarm device) 280 that outputs a notification signal when the drawers 211 to 215 are open for a predetermined time or longer is further provided.

  A key detection unit 290 in FIG. 9 is a sensor device that detects when the drawer is opened and closed when the money management apparatus 200 is powered off. This is a new technology at least in the technical field, but since it is not directly related to the concept of the present invention, a description thereof is omitted here.

  Next, an operation example of the money handling system described above will be described with reference to a flowchart.

  FIG. 10 is a flowchart of an example of an entry / exit operation preparation process on the teller machine 100 side. First, ID information of the operator of the teller machine 100 is read by the ID card reader 15b (STEP 11). Based on the ID information, it is identified whether or not the operator is an operation authorized person of the teller machine 100 (STEP 12).

  If the user is an authorized person, the operation menu of the teller machine 100 is displayed on the display unit 15a (STEP 13). While viewing the display, the operator (operation authorized person) inputs the operation content using the keyboard type operation unit 16 (STEP 14). Here, in this example, in order to further improve the security, a password input is requested (STEP 15).

  After collating the passwords, the operator (operation authorized person) inputs details of the entry / exit operation using the keyboard type operation unit 16 (STEP 16). Specifically, data of the denomination and amount of money (the number of bundles or the number of bundles) may be entered. Thereafter, the input completion is detected by the operation of the input completion key by the operator (STEP 17). The teller machine 100 specifies (issues) an operation number (sometimes referred to as an interlocking number) as operation information with respect to the details of the input / output operation that has been input, and the operation number and the detailed contents of the actual input / output operation Is stored in the hard disk 15g (STEP 18). Further, a receipt displaying the operation number is issued from the receipt issuing device 18 (STEP 19).

  FIG. 11 is a flowchart of an example of an entry / exit operation preparation process in the money management apparatus 200. First, ID information of the operator of the money management apparatus 200 is read by the ID card reader 228 (STEP 21). Based on the ID information, it is identified whether or not the operator is an operation authorized person of the money management apparatus 200 (STEP 22).

  If it is an operation authorized person, the operation menu of the money management apparatus 200 is displayed on the display unit 227 (STEP 23). While viewing the display, the operator (operation authorized person) inputs the operation content using the keyboard type operation unit 226 (STEP 24).

  First, the case where the interlocking process with the teller machine 100 is selected will be described first.

  When the interlocking process is selected, in this example, in order to further improve security, a password input is requested (STEP 25).

  After collation of the personal identification number, the operator (operation authorized person) uses the keyboard type operation unit 226 to input the operation number (interlocking number) issued by the teller machine 100 (STEP 26). Thereby, the money management apparatus 200 uses the communication function, based on the association information stored in the hard disk 15g of the teller machine 100, the detailed information on the entry / exit operation corresponding to the operation number (referred to as processing queue: (In addition to data on denominations and amounts of money to be entered / exited, data on drawer opening / closing procedures may be included) (STEP 27), and part of the information (may be all) may be used for operator confirmation It is displayed (STEP 28). After confirmation, completion of entry / exit preparation is detected by operation of the input completion key by the operator (STEP 29).

  Next, the case where the non-interlocking process with the teller machine 100 is selected will be described. The process in this case is substantially the same as the process of the conventional cash management apparatus.

  When the non-interlocking process is selected, in this example, in order to further improve the security, a password input is requested (STEP 125).

  After collation of the passwords, the operator (operation authorized person) inputs details of the entry / exit operation using the keyboard type operation unit 226 (STEP 126). Specifically, data of the denomination and amount of money (the number of bundles or the number of bundles) may be entered. Thereafter, the input completion is detected by the operation of the input completion key by the operator (STEP 127).

  Next, FIG. 12 is a flowchart of an example of a drawer opening / closing process in the money management apparatus 200. Here, it is assumed that the order of drawers to be opened is determined based on the detailed information (processing queue) of the entry / exit operation.

  First, the lock of the electromagnetic open / close lock corresponding to the drawer that is initially opened is released (STEP 31). The unlock control may be performed by the control device 225 in the money management apparatus 200, or may be performed by the control unit 15 of the teller machine 100 via a communication function.

  The unlocked drawer is opened by the operator, and a money insertion / exit operation is performed. Here, if the drawer is not released even after a predetermined time has passed since the lock was released, the notification device 280 sounds an alarm (STEP 32). Further, even when a predetermined time has elapsed since the drawer was opened, the notification device 280 sounds an alarm (STEP 33).

  When the money entry / exit operation ends smoothly and the operator closes the drawer, the electromagnetic open / close lock corresponding to the drawer is locked (STEP 34). This lock control may also be performed by the control device 225 in the money management apparatus 200, or may be performed by the control unit 15 of the teller machine 100 via a communication function.

  If the entry / exit processing for the other drawer (denomination) remains and enters, the process is repeated for the next drawer to be opened. If there is no entry / exit processing for the other drawer (denomination), the entry / exit processing is performed. Finish and go to the scrutiny process.

  FIG. 13 is a flowchart of an example of a scrutiny process in the money management apparatus 200.

  This scrutiny process is obtained based on the detailed information of the input / output operation obtained through the input of the operation number in the interlocking process with the teller machine 100, and is obtained through the input at the keyboard type operation unit 226 in the non-interlocking process. This is a process for determining whether or not the amount of money actually entered / exited matches the information based on the detailed information of the entered / exited operation. The amount of money actually entered and exited is calculated from the measurement result of money weight using a load cell (STEP 41).

  If the amounts match as a result of the scrutiny, the transaction content (including information on both the operation content and the operator) is stored in the hard disk 225g (STEP 42). If necessary, the processing result may be printed from a printer (not shown) (STEP 43).

  If the amount does not match as a result of the scrutiny, the drawer opening / closing process shown in FIG. 12 is re-executed for all of the types that do not match (STEP 44).

  As described above, according to the present embodiment, not only verification of the user ID information but also verification of the operation information as a condition for making the money management apparatus 200 usable (input / output operation possible) state. By adopting the above, it is possible to effectively prevent a user's erroneous operation, and it is also very easy to manage operation records.

  In particular, the operation information employs a 4-digit operation number (preferably 3 digits or more) set (issued) for each deposit / withdrawal operation. There is no doubt that the operation content is known from the number.

  In addition, since the deposit / withdrawal data corresponding to the operation number is transferred from the depositing / dispensing machine 100 to the money management apparatus 200, it is not necessary for the user to manually input the deposit / withdrawal data itself. Is prevented.

  In addition, according to the present embodiment, it is possible to examine each input / output operation for an error in the input / output operation by performing a scrutinization process for each money input / output operation. Thereby, the user's erroneous operation can be effectively prevented, while it is also very easy to manage the operation record (entry / exit record) for each entry / exit operation. Furthermore, according to the present embodiment, user information can be easily managed in association with the entry / exit operation.

  Further, according to the present embodiment, the unlocking signal and / or the transmission condition of the lock signal can be set or adjusted on the teller machine 100 side. In this case, it is possible to centrally manage the operation of entering and exiting money. This is particularly effective in a system including a plurality of money management apparatuses 200.

  In the above description, the collation of the user ID information and the collation of the operation information are performed on the money management apparatus 200 side, but the place where the data is actually collated is not particularly limited. That is, these collations may be performed on the money management apparatus 200 side, may be performed on the cash machine 100 side, or may be performed using other hardware connected thereto. Also good. Also, the transfer timing of each data for collation is appropriately selected from various known modes and adopted.

  In addition to the weight sensor such as a load cell, a sensor for measuring the space occupation state of stored and stored money may be used as the means for measuring the stored money amount used for the scrutiny process. Depending on the amount of the stored money, the occupied volume in the storage container naturally varies, so that the space occupied state of the money (for example, up to which part of the storage container is occupied or stored by money) By detecting the number of bundled banknotes or the number of wrapping coins (how many are contained), the amount of stored coins stored in the storage container can be obtained. As such a sensor, for example, a line sensor composed of LEDs is used.

100 Cash machine 200 Money management device 211 First bill storage drawer 212 Second bill storage drawer 213 First coin storage drawer 214 Second coin storage drawer 215 Preliminary storage 211m to 215m Open / close electromagnetic locks 221 to 224 Bill storage containers 241 to 243 Coin storage container 261 Load cell

Claims (1)

A money handling machine that withdraws or deposits money;
A money handling terminal that is communicably connected to the money handling machine and stores and stores money;
A money handling system comprising:
The money handling machine includes an operation unit for inputting details of an entry / exit operation,
The money handling terminal is:
A display unit ;
A storage for storing and storing money;
Lock control means for switching the storage between an open state in which money can be deposited and withdrawn and a locked state in which money cannot be deposited and withdrawn;
A key, and
Using the communication function, obtain the details of the entry / exit operation input in the operation unit, and display at least a part of the details of the entry / exit operation on the display unit ,
The lock control means switches the storage from the locked state to the open state based on the operation of the key after the details of the entry / exit operation are displayed on the display unit.
A money handling system characterized by that.

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