JP6917137B2 - Cash management system and cash management method - Google Patents

Description

The present invention relates to sales at a store in an operating company that operates a large number of sales stores such as convenience stores, supermarkets, drug stores, and gas stations, and at a cash collection and delivery company that collects sales from the stores entrusted by the operating company. Regarding a cash management system that manages cash such as money and change and its cash management method.

In recent years, cash registers installed in stores such as convenience stores, supermarkets, drug stores, and gas stations are connected to higher-level devices such as POS (point-of-sale information management) systems, and received banknotes and coins are used as change. A change machine equipped with a reusable banknote processing device and a coin processing device has been introduced.

In addition, by using a deposit machine installed in the cashier's room of such a store, each store processes cash as sales by the deposit machine and transmits the deposit data to a cash collection / delivery company. Then, the cash collection and delivery company collects the cash stored in the deposit machine and remits the proceeds from the bank account of the cash collection and delivery company to the bank account of each store based on the received deposit data. A cash collection system has been developed and used (see, for example, Patent Documents 1 and 2).

Japanese Patent No. 3542051 Japanese Patent No. 4452109

However, in the conventional sales amount collection system, the banknotes once stored in the deposit machine are stored in the cassette and are fixed as the sales amount at each store. Then, based on the confirmed data, the cash collector repays the funds and remits the proceeds to the bank account of each store, so that the banknotes stored in the deposit machine cannot be used again. Therefore, the change funds for the next day at each store had to be prepared separately from the sales proceeds, and cash could not be managed efficiently.

In addition, the next day's change reserve can only be prepared by requesting delivery from each store to a cash collection and delivery company at least 3 days before it is delivered to each store, so secure an appropriate amount of reserve in real time. I couldn't. Therefore, in order to prevent a shortage of change, each store had to prepare extra change more than necessary, and the funds required for the store became large, which put pressure on the management of the store. On the other hand, the cash collection and delivery company also has a problem that it takes a lot of man-hours to prepare for delivery of change and scrutinize the collected cash, and it costs a lot because the amount of transportation is large.

In addition, in stores, when surplus coins are generated, it is necessary to break the coins of the surplus coins and deposit them into the deposit machine one by one, which makes it troublesome to process the surplus coins. In cash collection and delivery companies, the coins to be collected are heavy and cannot be processed by women, such as scrutiny of the collected coins, so there is also a problem that the workers are limited to men.

Further, in the case of a cash collection and delivery company, if a large amount of money is collected and delivered, the investment required for equipment such as equipment necessary for cash processing becomes excessive. In addition, the larger the amount of sales collected, the greater the risk of interest rates because the money is repaid and remitted to each store, which also contributes to the pressure on the cash collection and delivery company's fund management.

In addition, if a natural disaster or the like makes it impossible to operate the collection and delivery vehicle, it may not be possible to deliver change funds to each store, which may hinder the operation of the store.

Recently, many foreigners have visited Japan and are using stores such as convenience stores, supermarkets, drug stores, and gas stations.
Since it is not possible to process foreign currency, foreigners have to exchange foreign currency into yen at banks, currency exchange companies, etc., which is troublesome and inconvenient.
Even if foreign currency is exchanged at a store, the exchange rate when foreign currency is exchanged at a store is different from the exchange rate when a cash collection and delivery company brings foreign currency to a bank or exchange company over a day, which is different for the store. It may be disadvantageous.

The present invention has been made in view of various problems in the conventional sales proceeds collection system, and by efficiently managing money, the efficiency of fund management in stores and cash collectors and operations can be improved. The purpose is to provide a cash management system and a cash management method that can greatly reduce the labor of the person.

Another purpose is to provide a cash management system and cash management method that allows foreigners to use foreign currency directly at convenience stores and other stores, making it extremely convenient for foreigners to purchase products at those stores. do.

In order to achieve the above object, the cash management system of the present invention
A cash processing machine installed in each store that executes cash deposit processing and withdrawal processing and transmits deposit / withdrawal data and existing amount data, and receives the deposit / withdrawal data and existing amount data in the store. A store data management device that aggregates and displays cash data from the company and sends change request instructions to the cash collection and delivery company server.
A cash collection and delivery company server that is installed in a cash collection and delivery company and executes a change creation instruction to the store where the store data management device is installed and a sales proceeds transfer instruction to the store's bank account.
A cloud server that centrally manages data between the store data management device and the cash collection / delivery company server and transmits / receives the data.
It is a cash management system composed of
On the change request screen, the store data management device aggregates and displays the total amount of money that can be used as change in the store, including the distributed change reserve, for each type of money, and the totaled total amount. The surplus change amount is calculated and displayed by subtracting the change distribution fixed amount already registered from the high for each type of money, and the currency equivalent to the amount obtained by subtracting the surplus change amount from the change distribution fixed amount for each type of money is obtained. It is calculated and displayed as a change reserve to be distributed next time, and a change request instruction is sent to the cash collector / delivery company server based on the calculated result.
The cash collection and delivery company does not collect the surplus money of the change reserve delivered to the store last time, but delivers only the money that is insufficient as the change distribution fixed amount, and the store uses the surplus money as the change reserve for the next day. It is characterized by.

Here, the store data management device is characterized in that it has a function of requesting a cash collection and delivery company to deliver only coins that are insufficient as a fixed amount of change distribution.

Here, the store data management device aggregates the banknotes that can be used as change among the banknotes that are the total amount in the store including the distributed change reserve for each type of money, and sets the change amount as a fixed amount. It is characterized in that it allocates to the shortage of banknotes and instructs the cash collection and delivery company to collect only the banknotes corresponding to the sales proceeds.

In addition, the change reserve to be distributed next time shall be equivalent to the total amount of change shortages from the fixed amount of change distribution for each type of coin, and coins shall be calculated in coin-roll units. It is characterized by being done.

The type of money that can be used as change is diverted from the sales of the store and used as the change reserve for the next day, and the diverted sales are withdrawn from the deposit of the store and added to the sales reduced by the diversion. Then, the money may be transferred to the bank account of the store.

Here, the cloud server is characterized in that it manages fluctuations in deposits at stores.

Further, the cash management system may be capable of accepting foreign currency at the cash processing machine, receiving a foreign currency exchange rate, and being able to aggregate and manage by currency or rate.

Then, the foreign currency received by the cash processing machine may be converted into yen at the exchange rate, and the change may be withdrawn by a change machine linked with another cash processing machine, POS.

The cloud server aggregates the foreign currency amounts for each currency of all stores on the day, makes the aggregated amount available for viewing by multiple exchange companies, tentatively confirms the transaction with the exchange company with the lowest fee, and uses the data. , It is preferable to confirm foreign currency transactions at the exchange rate of the day.

Further, the cash management method of the present invention uses the management system.
The step that the cash processing machine installed in the store deposits the change reserve received from the cash collection and delivery company and registers it in the cash management system as a fixed amount of change distribution,
On the change request screen, the store data management device aggregates and displays the total amount of money that can be used as change in the store, including the distributed change reserve, for each type of money, and from this totaled amount of money. The surplus change amount is calculated and displayed by subtracting the already registered change distribution fixed amount for each type of money, and the currency equivalent to the amount obtained by subtracting the surplus change amount for each type of money from the change distribution fixed amount is distributed next time. Steps to calculate and display as change reserves to be paid,
The step that the store data management device notifies the calculated change reserve to the cash collector server as the change reserve to be distributed next time,
The step that the store data management device sends the deposit / withdrawal data and the existing amount data to the cash collection / delivery company server,
The step that the cash collection and delivery company server calculates the sales amount data based on the deposit / withdrawal data and the existing amount data and transfers the sales amount to the bank account of the store,
It is characterized by having.

In addition, the cash collection and delivery company server diverts the denomination that can be used as change from the sales amount of the store, withdraws the diversion money used as the change reserve for the next day from the deposit of the store, and adds it to the reduced sales amount. You may have the step of transferring money to the bank account of the store.

Further, the cash processing machine may have a step of receiving the exchange rate of foreign currency and managing it by currency.

According to the cash management system and the cash management method of the present invention, money can be managed efficiently, so that the efficiency of fund management in stores and cash collectors and the labor of workers can be greatly reduced. be able to.

Further, according to the cash management system and the cash management method of the present invention, foreign currency can be directly used at stores such as convenience stores, so that it is extremely convenient for foreigners to purchase products at those stores.

It is a conceptual diagram of the cash management system of this invention. It is a conceptual diagram of the cash management system of this invention. It is a schematic block diagram of the cash management system of this invention. It is a detailed block diagram of the cash management system of this invention. It is explanatory drawing which shows the procedure in the cash management method of this invention. It is explanatory drawing of the conventional sales proceeds collection method. It is a figure which displayed the closing screen in the conventional store data management apparatus. It is explanatory drawing of the cash management method of this invention. It is a figure which displayed the closing screen in the store data management apparatus of this invention. It is explanatory drawing of the cash management method of this invention. It is a figure which displayed the closing screen in the store data management apparatus of this invention. It is explanatory drawing of the cash management method of this invention. It is a figure which displayed the closing screen in the store data management apparatus of this invention. It is a figure which displayed the change request screen in the store data management apparatus of this invention.

A preferred embodiment of the cash management system of the present invention will be described in detail below with reference to the drawings.

As shown in FIG. 1, the cash management system of the present invention is installed in each store 1, executes cash deposit processing and withdrawal processing, and is a cash processing machine 11 that transmits deposit / withdrawal data and cash balance data. , A store data management device 12 that receives the deposit / withdrawal data and the amount of money data and aggregates cash data in the store, and a store 1 that is installed in the cash collection / delivery company 2 and in which the store data management device 12 is installed. A cloud server 31 that transmits and receives data between a cash collection and delivery company server 21 that executes a change creation instruction and a sales proceeds transfer instruction to a store's bank account, and the store data management device 12 and the cash collection and delivery company server 21. And, it is composed of.
Here, the deposit / withdrawal data is the deposited data and the withdrawn data, but the accumulated deposit data and the accumulated withdrawal data may be transmitted and received. In this case, the accumulated deposit data and the accumulated withdrawal data are managed by the store data management device 12.
Then, according to these deposit / withdrawal cumulative data, even if the data communication is interrupted in the middle and some data is lost, the deposit / withdrawal data can be determined by calculating the difference.
In the following, the amount of money also includes the case where it means the number of banknotes or coins for each denomination that constitutes the amount.

As shown in FIG. 3, the cash processing machine 11 includes a deposit / withdrawal machine 13, a coin-roll management machine 14, and a change machine 15.
The cash processing machine 11 shown in FIG. 3 is an example, and the present invention is not limited to this, and various configurations can be adopted according to the operation method and scale of the store 1.

As shown in FIG. 3, the deposit / withdrawal machine 13 is installed in the store 1 and is used in combination with the coin-roll management machine 14, the change machine 15, and the safe 16.
Then, the deposit / withdrawal machine 13 is used as a device for depositing sales and withdrawing change, and notifies the store data management device 12 of money deposit / withdrawal and hold information via a communication line, and the store 1 It is operated as a device for replenishing, collecting, and transferring funds while managing the funds.

Explaining the configuration of the deposit / withdrawal machine 13, as shown in FIG. 4, the deposit / withdrawal machine 13 includes a first processing unit 131 for processing and storing banknotes, a second processing unit 132, and a processing operation and withdrawal. The operation unit 133 for inputting information such as the amount of money, the control unit 134 for controlling the operation of the device by the operation unit 133 and the sensor information, and the control unit 134 for creating and managing the processed data, and the data are transmitted to the outside. Alternatively, it is provided with a communication means 135 for receiving a command from the outside and a cassette 136 for collecting sales proceeds and the like.

As shown in FIG. 3, the coin-roll management machine 14 is connected to a coin processing device such as a change machine 15 and a deposit / withdrawal machine 13 installed in the store 1 and a banknote processing device 12 connected to a store management computer 12 via a communication line. Share information and manage the funds of store 1.

As shown in FIG. 4, the Climbing Gold Management Machine 14 withdraws or deposits Climbing Gold, and further stores and manages the Climbing Gold 1st to 6th Climbing Gold Processing Units 141, and deposits and withdrawals. Control that controls the operation of the device by the operation unit 142 that inputs and displays the processing information such as the withdrawal amount (withdrawal quantity) and the operation unit 142 and the sensor information, and also creates and manages the processed data. A unit 143 and a communication means 144 for transmitting the data to the outside or receiving a command from the outside are provided.

As shown in FIG. 3, the change machine 15 is installed in the store 1 and is used in a state of being linked with the POS.
Then, the change machine 15 is used as a deposit / withdrawal machine that can store the money received from the customer and withdraw it as change, and the existing amount of the change machine 15 is transmitted to the store data management device 12 and managed. NS.

Explaining the configuration of the change machine 15, as shown in FIG. 4, the banknote processing unit 151 for processing banknotes, the coin processing unit 152 for processing coins, and the operation unit 153 for inputting processing operation information are operated. A control unit 154 that controls the operation of the device by the unit 153 and sensor information, and creates and manages processed data, and a communication means 155 that transmits the data to the outside or receives a command from the outside. , A cassette 156 for collecting sales proceeds and the like.

As shown in FIG. 3, the store data management device 12 is used in a state of being linked with the cash processing machine 11 of the store 1.
Then, the store data management device 12 linked with the cash processing machine 11 aggregates the existing amount data from the cash processing machine 11 and transmits the aggregation result and the calculation result to the cloud server 31.

As shown in FIG. 4, the store data management device 12 controls the operation unit 121 for inputting processing operation information, and the operation unit 121 and the cash processing machine 11 for collecting information on the amount of money, and further processes the collected data. The control unit 122, the communication means 123 for transmitting and receiving the data to and from the outside, the display unit 124 for displaying the operation and processing data, and the memory 125 for storing the processed data are provided.
Further, the store data management device 12 may be provided with a function of limiting the operator and a card reader that accepts a user-owned card such as a credit card.

As shown in FIG. 3, the cash collection / delivery company server 21 is installed in the cash collection / delivery company 2 and gives an instruction to create change to the store 1 in which the store data management device 12 is installed and an instruction to transfer sales to the bank account of the store. To execute.

As shown in FIG. 4, the cash collection / delivery company server 21 issues a data processing unit 211 that processes the collected data, a communication means 212 that transmits / receives the data to and from the outside, and a processing instruction for communication, data processing, and data storage. It includes a control unit 213 and a data storage unit 214 for storing processed data.

The cloud server 31 is used in a state of being linked with the store data management device 12 of the store 1, the operating company server 41 of the operating company (store headquarters) 4, and the cash collection and delivery company server 21.
The cloud server 31 aggregates the data transmitted from the store data management device 12 and centrally manages the data, and is used as a base for the data transmitted to the operating company (store headquarters) 4 and the cash collection / delivery company 2.
In addition, at the time of foreign currency reception operation, it is possible to receive the foreign currency exchange rate in cooperation with a financial institution such as a bank or a currency exchange company 5.
Then, the foreign currencies collected from each store 1 are aggregated by currency and exchange rate, and financial institutions such as a plurality of affiliated banks and exchange companies 5 can view the aggregated results every day via the Internet. There is.

As shown in FIG. 4, the cloud server 31 includes a data processing unit 311 that processes collected data, a communication means 312 that transmits and receives the data to and from the outside, and a control unit that issues processing instructions for communication, data processing, and data storage. It includes a 313 and a data storage unit 314 that stores the processed data.

Next, the cash management method of the present invention implemented by the cash management system of the present invention will be described in detail below with reference to the flowchart of FIG.

Step 1. Receive a change reserve from a cash collector.

[If you have a deposit / withdrawal machine / coin-roll management machine]
When the manager of the store 1 deposits the change reserve into the deposit / withdrawal machine 13 and the coin-roll management machine 14, the cash processing machine 11 counts and stores the money in the respective storage units 131, 132, 141 and the store. Notify the data to the data management device 12.
Then, the store data management device 12 updates and saves the data. The deposit at this time is deposited as a change registration deposit, and the deposit items are distinguished.
The cash collection / delivery company itself may deposit the change reserve into the deposit / withdrawal machine 13 and the coin-roll management machine 14 instead of the store manager of the store 1.

[If there is no deposit / withdrawal machine, or if there is money that cannot fit in the deposit / withdrawal machine or coin-roll management machine]
The store manager of the store 1 confirms the received change reserve and registers the change reserve in the store data management device 12. At this time, select "change storage" from the operation menu of the store data management device 12, and press the "store" button. As a result, the change reserve is registered in the store data management device 12.
At this time, as the change reserve, the amount requested for the change reserve at the time of the previous distribution is displayed and registered. In addition, the registration is registered in the safe.
In addition, the money that does not fit in the cash processing machine 11 (the amount obtained by subtracting the amount of money deposited in the cash processing machine from the requested amount of the change reserve) is registered in the safe deposit amount at the same time as the payment of the cash processing machine 11 is confirmed. Will be done.

Step 2. Request the distribution amount of the next change reserve to the cash collection and delivery company.

When the registration is executed by the store data management device 12, the change request screen is displayed as shown in FIG.
On this change request screen, the type of money (banknotes from 10,000 yen to 1,000 yen, coins from 500 yen to 1 yen) is displayed in the "denomination" column, and the previous time is displayed in the "total amount" column. The total amount of coins that can be used as change in store 1 including the distributed change reserve (fixed amount of distribution) is displayed, and the change reserve (fixed amount of distribution) is displayed in the "change reserve" column. Will be done.
Further, in the "insufficient number" column, a calculated value (insufficient number and surplus number) obtained by subtracting the total amount of change from twice the fixed amount of change distribution is displayed for each denomination. Then, in the "change request amount" column, the change reserve to be distributed next time is displayed based on the shortage number.

That is, in the store data management device 12, the total amount of money that can be used as change in the store 1 including the distributed change reserve is totaled with respect to the registered change distribution fixed amount, and this totaled total amount is present. The surplus change amount is calculated by subtracting the change distribution fixed amount from the high amount, and the surplus change amount is calculated by subtracting the surplus change amount from the change distribution fixed amount as the change reserve to be distributed next time.
Here, the store existing amount for which the next distribution amount is calculated is set as the store existing amount at the time of the previous closing at the time of the registration so as not to include the sales amount, and the change reserve to be distributed next time based on this is used. It is preferable to calculate the amount.
When automatically calculated by the store data management device 12, the change reserve (change request amount) to be distributed next time is calculated by totaling the number of change shortages for each denomination from the set change distribution fixed amount. It corresponds to the total amount of coins, but coins are calculated and requested in coin-roll units (50 coins).

If the calculation is automatically performed at the timing of such distribution, the store manager of the store 1 or the like can determine the distribution amount of the next change reserve without calculating the predicted value.
In addition, in order to determine the next distribution amount according to the cash inventory of the store, the cash inventory of the store is kept constant, and the cash processing of the cash collection and delivery company 2 and the store 1 is streamlined without moving excess change. can do.
Although it is described that the distribution amount is calculated from the total amount of money in the store, for example, it may be calculated with respect to the fixed change amount set for each of the coin-roll management machine 14 and the deposit / withdrawal machine 13.

Then, when the "Done" button is pressed on the change request screen of the store data management device 12, the next distribution amount data is transmitted to the cash collection / delivery company server 21 via the cloud server 31.
The cash collection / delivery company 2 creates the next change reserve based on the transmitted next distribution amount data.

The change request amount can be changed until the designated date of distribution, and the change change request can be transmitted from the store data management device 12. It is preferable that the number of grace days during which the change request amount can be changed can be set as appropriate.
Further, if the request for the next distribution amount is not made by the grace date, a preset fixed amount of distribution may be requested for the store data management device 12, or when closing after the distribution date has elapsed. It may be calculated to automatically request a fixed amount of distribution.
Further, when the coin-roll management machine 14 is installed, the coin-roll management machine 14 is constantly monitored by the store data management device 12, and the coin-roll management machine 14 has reached a preset constant height. It may be possible to detect the state and individually notify the shortage of the high fixed amount of coins as a change request for coins.

In addition, on the change request screen, the amount of money and the number of denominations that are excessive with respect to the fixed amount of change reserve are also displayed. The excess change is deposited in the cash processing machine 11 and collected by the cash collection and delivery company 2. Then, the collected excess change is exchanged as appropriate and used for the next distribution.
Therefore, excess change is controlled to be managed separately from sales. Then, the managed excess change is aggregated and managed by the cloud server 31 as a deposit from the store.

Step 3. Check the status of the current situation.

If "View existing amount" is selected from the operation menu of the store data management device 12, the current state and existing amount of each cash processing machine 11 are displayed in real time on the display screen.
Here, the store data management device 12 receives device status (full, empty, error, etc.), existing amount data, replenishment data (or replenishment cumulative data), and collection data (or collection) from the cash processing machine 11 at regular time intervals. Cumulative data) is collected and managed.

Step 4. Replenish the change machine with money.

Take out money from the deposit / withdrawal machine 13, the coin-roll management machine 14, and the safe 16. At this time, the change machine 15 is set to the replenishment mode, and money is replenished. As a result, the change machine 15 counts the replenishment amount and transmits it to the store data management device 12.
The store data management device 12 also manages the number of change amounts used on the day via the change machine 15.

[If you do not have a deposit / withdrawal machine or a coin-roll management machine]
The store data management device 12 subtracts the replenishment amount from the existing amount of the safe 16 in which the distribution change is registered. In this way, the management of the safe 16 is labor-saving.

[If you have a deposit / withdrawal machine and a coin-roll management machine]
Money is withdrawn from the deposit / withdrawal machine 13 and the coin-roll management machine 14. As a result, the deposit / withdrawal machine 13 and the coin-roll management machine 14 transmit the withdrawal counting result to the store data management device 12.
Next, the change machine 15 is set to the replenishment mode, and money is replenished. As a result, the change machine 15 counts the replenishment amount and transmits the counting result to the store data management device 12.
On the other hand, the store data management device 12 updates the existing amount based on the data transmitted from the cash processing machine 11, and also collates and manages the withdrawal amount and the replenishment amount.

Step 5. Deposit the sales proceeds.

The sales proceeds are collected from the change machine 15 and deposited in the deposit / withdrawal machine 13. At this time, the deposit / withdrawal machine 13 is set to the deposit mode, and the cash collection / delivery company 2 makes a deposit to the cassette 136 to be taken back.
As a result, the deposit data is transmitted to the store data management device 12, and the deposit data is aggregated as today's bank deposit amount.
At this time, the sales proceeds collected from the change machine 15 may be held in the first processing unit 131 or the second processing unit 132 of the deposit / withdrawal machine 13, and the required amount may be deposited in the cassette 136 at the time of closing, which will be described later.
Further, the excess change may be deposited, and the excess change amount used as the deposited change reserve may be automatically deducted from the bank deposit amount.
Further, the deposit data aggregated as the above-mentioned today's bank deposit amount may be the amount obtained by subtracting the change request amount from the sales amount deposited in the deposit / withdrawal machine 13.
In this way, the cash transfer at the time of the next collection and loading (collection of sales proceeds deposited by the store to the deposit / withdrawal machine and distribution of change request) will include the change request amount in the collected cash. Therefore, it is bartered, and the store 1 does not need to deposit the change request amount to the cash collection and delivery company 2, and the store can reduce the funds.
At this time, the deposit data of the sales amount transmitted from the store data management device 12 to the cloud server 31 is the amount transferred to the bank (the amount obtained by subtracting the change request amount from the deposit amount), the deducted change request amount, and the deposited deposit. The amount will be sent.

Step 6. Tighten.

If "Tighten" is selected from the operation menu of the store data management device 12, the denomination amount, total, and total total for each cash processing machine 11 of the current cash inventory are displayed.
As a result, when today's bank deposit amount is confirmed and "Done" is pressed on the closing screen of the store data management device 12, the bank deposit amount of today's sales from the store data management device 12 to the cloud server 31 is used as closing data. Will be sent.
The cloud server 31 aggregates and calculates the deposit data for each transaction, performs a collation check with the transmitted closing data amount, and transmits it to the cash collection / delivery company server 21.
As a result, the cash collection / delivery company server 21 makes a deposit to the store account on the same day based on the data.

Step 6-1.

At this time, if the number of denominations of the fixed change amount registered in the store data management device 12 can be covered by the sales amount, or if the amount exceeding the fixed amount of change is requested, the sales amount can be diverted to the change reserve at the store. You may leave it in 1 and operate it.
In that case, the amount diverted to change will not be deposited in cassette 136, and the amount deposited in the bank will be reduced by that amount, but that amount will be withdrawn from the deposit from store 1 and added to the amount deposited in the bank by cassette 136. Then, make a full deposit to the account of store 1 as today's sales.

In this way, cash movements can be minimized and excess change reserves can be eliminated. As a result, the store 1 can reduce the funds, further reduce excessive cash management and processing, and use the funds of the store 1 in real time.
Further, since the cash collection / delivery company 2 can reduce the amount of cash to be moved, it is possible to reduce the transportation cost, the man-hours for scrutiny, the assets required for scrutiny, and the labor cost. Furthermore, even when it is not possible to distribute money in the event of a natural disaster, it is not necessary to bother the store. In addition, interest rates are reduced because the amount of money to be reimbursed is reduced.

Step 6-2.

[Operation starting from the distribution date]

In the operation of the change reserve from the distribution to the next distribution, if you deposit the full amount of daily sales, you will also deposit a small amount of funds such as 1,000 yen that can be used the next day, but for example, one distribution If you have to use money for one week's change, there is a problem that you have to prepare a large amount of change in consideration of the change one week ahead.

The store data management device 12 is devised so that the sales amount from the distribution to the next distribution can be totaled and the change can be efficiently managed.
For example, at the time of closing every day, 10,000 tickets that are not used as change are deposited in the cassette 136, and the daily sales amount is registered in the store data management device 12. For registration, the sales amount based on the POS data may be manually input, or the sales amount calculated by the store data management device 12 (the amount obtained by subtracting the current existing amount from the balance at the time of the previous closing) is automatically input. May be good.
At the closing of the day before the distribution date, when the totaling operation of the store data management device 12 is performed, the total sales amount of the day from the previous totalization to the current totalization and the sales amount deposited in the cassette 136 are totaled. NS.
Further, the store data management device 12 calculates the amount of shortage of sales to the cassette 136 based on the aggregated data. Therefore, the worker may deposit an amount equal to or more than the sales shortage amount into the cassette 136.

If the deposit amount exceeds the sales shortage amount, the excess amount will be registered as cash to be used as change reserve, and the cash used as change reserve will not be deposited in the bank and will be prepared for change at the next distribution. Used for money.
If the deposit amount is less than the sales amount, the difference is notified as the amount diverted from the sales amount as a change reserve, withdrawn from the deposit, and deposited in the bank together with the collected amount.
By operating based on the distribution date in this way, there is no need to worry about running out of change for a week, and it is possible to reduce the excessively prepared change reserve.
The above-mentioned distribution date is registered in the cloud server 31 by the notification from the cash collection and delivery company 2, and is downloaded to the store data management device 12. The distribution date is used as a starting point for change requests, changes to change requests, and final scrutiny of sales proceeds.

In this embodiment, the case where the change request and the notification of the sales amount are made weekly or at the time of collecting the distribution has been described, but the present invention is not limited to this, and the closing timing may be due to the convenience of the store 1. You may go.
The store data management device 12 can also manage the history of the above-mentioned operations. It is possible to memorize the deposit / withdrawal amount, the number of sheets, the time, the operator, etc. for each operation, and by tracing the history of the trouble, the trouble can be identified and a strict response can be made.

Step 7. Collect.
When the collection card of the cash collection / delivery company 2 is inserted into the store data management device 12, the collection mode is set and the cash collection / delivery company 2 can collect cash from the deposit / withdrawal machine 13.
Then, when the "collection completed" button of the store data management device 12 is pressed, the collection operation is completed, and the monetary data stored in the cassette 136 is transmitted to the cash collection / delivery company server 21 via the cloud server 31.
The cash collector 2 examines and collates the money in the cassette 136 brought back based on the money data.

Step 8. Foreign currency reception operation

The currency exchange rate received by the cloud server 31 is transmitted to the store data management device 12 via the communication line. The store data management device 12 stores the exchange rate in the memory.
When the customer pays foreign currency at the time of purchasing the goods, the cashier inserts the received foreign currency into the deposit / withdrawal machine 13. The deposit / withdrawal machine 13 receives foreign currency, identifies it, and transmits the identification result currency to the store data management device 12.
As a result, the store data management device 12 calls the exchange rate data in the memory and performs yen conversion. Then, the result of yen conversion is transmitted to the change machine 15. The change machine 15 notifies the POS of the received amount in the same manner as when the Japanese yen is received, and withdraws the change based on the withdrawal order from the POS.
In this way, if data from the outside is input to the POS from the store data management device 12 via the change machine 15, devices with different operations can be easily connected without changing the POS, and a new device can be connected. Can be operated.
For example, the card reader of the store data management device 12 can be used to perform card processing as a card payment terminal connected to the POS.

In this way, foreign currency can be used at the store 1, and the customer can shop without having to bother to exchange yen, which improves convenience. In addition, the store 1 can make a profit by selling the money by adding a commission to the exchange rate.
Here, the currency identification determination program may be mounted on the deposit / withdrawal machine 13 or may be mounted on the store data management device 12.

Next, an example in which the cash management method of the present invention is carried out by the cash management system of the present invention will be described in comparison with a conventional example in which the cash management method is carried out by the conventional sales proceeds collection system.

[Conventional Example 1]
6 and 7 show a cash management method using a conventional sales proceeds collection system. In this cash management method, the cash collection and delivery company 2 collects all the money stored in the cash processing machine 11 of the store 1 and newly delivers a predetermined amount of change reserve.

That is, as shown in FIG. 6, in the store 1, coins in the change reserve (Bo + Co) decrease, but banknotes increase. However, at the time of closing, the money stored in the cash processing machine 11 is the sum of the sales amount (Ao) and the change reserve (Bo + Co).
Then, the cash collection and delivery company 2 collects all the sales proceeds (Ao) and the change reserve (Bo + Co) from the cash processing machine 11 of the store 1, and newly delivers a predetermined amount of the change reserve (Bo + Co).
Therefore, the sales amount (Ao) of the store 1 is the total collection amount (Ao + Bo + Co) minus the change reserve (Bo + Co), and the cash collector 2 transfers the sales amount (Ao) to the bank account of the store 1. Send money.

As described above, according to the cash management method by the conventional sales amount collection system, the change fund for the next day at each store 1 must be prepared separately from the sales amount, and also for the store 1 and the cash collection / delivery company 2. , Cannot manage cash efficiently. In addition, there are many advance payments that the cash collection and delivery company 2 remits to each store 1, which also contributes to the pressure on the fund management of the cash collection and delivery company 2.

[Example 1]
8 and 9 show an embodiment of a cash management method using the cash management system of the present invention. In this cash management method, the cash collection and delivery company 2 collects all the banknotes stored in the cash processing machine 11 of the store 1, but does not collect the coins.

That is, as shown in FIG. 8, in the store 1, coins in the change reserve (Bo + Co) decrease, but banknotes increase (for example, 1,000-yen banknotes and 10,000-yen banknotes increase). Here, at the time of closing, the coins stored in the cash processing machine 11 are the sum of the sales amount (Ao) and the change reserve (Bo + Co), but the surplus coins (CR) remain. is doing.
Therefore, the cash collector 2 collects all the banknotes (Ao + Bo + BG) out of the sales amount (Ao) and the change reserve (Bo + Co) from the cash processing machine 11 of the store 1, but the surplus coins (CR) are collected. Do not collect. On the other hand, a new change reserve (Bo) for banknotes of a predetermined amount and a change reserve (CS) for insufficient coins are delivered. Then, at the store 1, the surplus coins (CR) are managed as they are by the cash processing machine 1 and allocated as change reserves for the next day.
Therefore, the sales amount (Ao) of the store 1 is obtained by subtracting the change reserve (Bo) of the banknotes and the increase amount (BG) of the banknotes from the collection amount (Ao + Bo + BG) of all the banknotes. The proceeds (Ao) are transferred to the bank account of store 1.

As described above, according to the cash management method of the present invention, the advance payment for the change reserve of the cash collector 2 is reduced and does not put pressure on the fund management. In addition, the change reserve of each store 1 is also reduced, which does not put pressure on the management of the store 1. Moreover, the processing of surplus coins does not feel troublesome. In the cash collection and delivery company 2, the weight of the collected money is lightened, and even women can process it.
Further, the store manager or the like of the store 1 can manage cash in real time by checking the aggregated data or the like of the store data management device 12. Further, the operating company (store headquarters) 4 can easily monitor the cash transition of each store 1 on a daily basis.

[Example 2]
10 and 11 show other examples of the cash management method by the cash management system of the present invention. In this cash management method, the cash collection and delivery company 2 collects the banknotes corresponding to the sales proceeds among the banknotes stored in the cash processing machine 11 of the store 1, but does not collect the banknotes used as the change reserve and the surplus coins. ..

That is, as shown in FIG. 10, in the store 1, coins in the change reserve (Bo + Co) decrease, but banknotes increase (for example, 1,000-yen banknotes and 10,000-yen banknotes increase). In addition, among the change reserves (Bo) of banknotes, 5,000 yen banknotes will decrease, but 10,000 yen banknotes and 1,000 yen banknotes will increase. Here, at the time of closing, the coins stored in the cash processing machine 11 are the sum of the sales amount (Ao) and the change reserve (Bo + Co), but the surplus coins (CR) remain. is doing. In addition, among the change reserves (Bo) of banknotes, the 1,000-yen and 5,000-yen banknotes that can be used as change are replaced with 1,000-yen banknotes, and then the change reserves (Bo) for the next day's banknotes are applied. ..
Therefore, the cash collection and delivery company 2 collects the banknotes corresponding to the sales amount (Ao) from the cash processing machine 11 of the store 1, but collects the banknotes (Bo) and the surplus coins (CR) to be applied to the change reserve. do not. On the other hand, only the change reserve (CS) of the missing coins will be delivered. Then, in the store 1, the banknotes (Bo) and surplus coins (CR) to be applied to the change reserve are managed as they are by the cash processing machine 1 and are applied as the change reserve for the next day.
Therefore, the sales amount (Ao) of the store 1 is obtained by subtracting the change reserve (Bo) of the banknotes and the increase amount (BG) of the banknotes from the collection amount (Ao + Bo + BG) of all the banknotes. The proceeds (Ao) are transferred to the bank account of store 1.

As described above, according to the cash management method of the present invention, the advance payment for the change reserve of the cash collector 2 is further reduced and does not put pressure on the fund management. In addition, the change reserve of each store 1 is further reduced, which does not put pressure on the management of the store 1. Moreover, the processing of surplus coins does not feel troublesome. In the cash collection and delivery company 2, the weight of the collected money is even lighter, and even women can process it.
Further, the store manager or the like of the store 1 can manage cash in real time by checking the aggregated data or the like of the store data management device 12. Further, the operating company (store headquarters) 4 can easily monitor the cash transition of each store 1 on a daily basis.

[Example 3]
12 and 13 show other examples of the cash management method by the cash management system of the present invention. In this cash management method, the cash collection and delivery company 2 collects the banknotes stored in the cash processing machine 11 of the store 1 with the change amount reduced from the sales proceeds, but the banknotes used as the change reserve and the surplus Coins will not be collected. Further, the change diversion amount is replenished from the deposit at the store 1, and the sales amount obtained by adding the collected amount and the replenished amount is remitted to the bank account of the store 1.

Normally, as shown in FIG. 10, in store 1, coins in the change reserve (Bo + Co) decrease, but banknotes increase. Also, of the change reserves (Bo) of banknotes, 5,000 yen banknotes will decrease, but 10,000 yen banknotes and 1,000 yen banknotes will increase. Here, at the time of closing, the coins stored in the cash processing machine 11 are the sum of the sales amount (Ao) and the change reserve (Bo + Co), but the surplus coins (CR) remain. is doing. In addition, among the change reserves (Bo) of banknotes, the 1000-yen banknotes and 5,000-yen banknotes that can be used as change are replaced with 1000-yen banknotes, and then allocated as the change reserves (Bo) of the next day's banknotes.
However, there is a risk that the banknotes in the change reserve (Bo + Co) will run short at the store 1, and in this embodiment, if such a situation occurs, sales proceeds will be taken as an emergency measure. The predetermined amount (A2) from (Ao) is diverted as a change reserve for the next day's banknotes.
Therefore, the cash collection and delivery company 2 collects the banknotes obtained by subtracting the change diversion amount (A2) from the sales amount (Ao) from the cash processing machine 11 of the store 1 (A1), and prepares the change as in the second embodiment. Banknotes (Bo) and surplus coins (CR) to be used for gold will not be collected. On the other hand, only the change reserve (CS) of the missing coins will be delivered. Then, at the store 1, the banknotes (A2) for the change diversion, the banknotes (Bo) to be applied to the change reserve, and the surplus coins (CR) are managed as they are by the cash processing machine 1 and applied as the change reserve for the next day. To do.
Therefore, the final sales amount (A1) of the store 1 is obtained by subtracting the change diversion amount (A2) from the sales amount (Ao), but the cash collector 2 divides the change diversion amount (A2) into the store 1 It is deducted from the change deposit and applied, and the sales amount (Ao), which is the sum of the collected amount (A1) and the supplemented amount (A2), is transferred to the bank account of the store 1.

As described above, according to the cash management method of the present invention, the increasing 1,000-yen banknotes can cover the banknotes to be allocated as change reserves, and further, the banknotes that are insufficient as change reserves can be covered. There will also be a store 1 where it is not necessary to distribute banknotes as reserves, and as a result, it is possible to perform operations such as collecting banknotes and distributing only the shortage of coins.
Therefore, the advance payment for the change reserve of the cash collector 2 will be further reduced and will not put pressure on the fund management. In addition, the change reserve of each store 1 is further reduced, which does not put pressure on the management of the store 1. Moreover, the processing of surplus coins does not feel troublesome. Further, in the store 1, the change reserve can be obtained in real time without waiting for the cash collector 2 to distribute the change reserve. In the cash collection and delivery company 2, the weight of the collected money is further reduced so that even women can process it. In particular, even if a natural disaster or the like makes it impossible to deliver the change reserve to each store 1, it is possible to avoid a situation in which the operation of the store 1 is hindered in an emergency.

[Example 4]
Further, as shown in FIG. 2, in the cash management system of the present invention, the change machine 15 installed in the cash register, the deposit / withdrawal machine 13 capable of accepting various kinds of currencies, and the store data management device 12 , The cloud server 31 may be provided.

According to this cash management system, when foreign currency is received from a user, 1) the foreign currency is deposited into the deposit / withdrawal machine 13. 2) The deposit / withdrawal machine 13 collects the identification data of the deposited currency and notifies the store data management device 12. The store data management device 12 determines the currency based on the identification data, and converts the foreign currency into yen at the registered exchange rate. 3) The store data management device 12 transmits data to the change machine 15. 4) The change machine 15 transmits the deposit amount to the POS in the same manner as when the yen is deposited, the POS sends the change amount and the withdrawal instruction to the change machine 15, and the change machine 15 changes according to the above instruction. Withdraw. 5) The store data management device 12 manages the number of sheets for each currency and registers the number in the cloud server 31. 6) The cloud server 31 aggregates the data transmitted from all the stores 1 by currency and provides the information to the cash collection and delivery company 2 that collects the data on the same day. 7) The cash collection and delivery company 2 makes the aggregated results of the foreign currency available to the plurality of exchange companies 5 on the same day. 8) Each exchange company 5 inputs the purchase fee of the foreign currency via the Internet. 9) The cash collection and delivery company 2 selects the exchange company 5 with the lowest foreign currency purchase fee, and tentatively confirms the transaction at the exchange rate on the day. 10) The cash collection and delivery company 2 collects foreign currency from the store 1, brings cash to the selected exchange company 5 a few days after the provisional confirmation, and completes the transaction at the exchange rate at the time of the provisional confirmation. By executing such a procedure, foreign currency can be accepted at the cash register without the need for an expert who handles foreign currency.

As a result, foreign visitors can use their home currency without hesitation and do not need to exchange money. The store 1 can also process foreign currency without burden, and can also make a profit by adding a commission to the sale in foreign currency.
Further, the store 1 can entrust the processing of the obtained foreign currency to the cash collection / delivery company 2, and the cash collection / delivery company 2 can provide the store 1 with a service having added value. In addition, since the cash collection and delivery company 2 can trade with the exchange company 5 at the foreign currency exchange rate of the day handled at the store 1, it is possible to avoid the risk of exchange rate fluctuations and to convert to yen at the lowest commission. You can exchange money and send money to store 1.

Further, according to the cash management system of the present invention, the store 1, the operating company (store headquarters) 4, and the cash collection and delivery company 2 can transfer funds and monitor and browse based on the data centrally managed by the cloud server 31. Therefore, even if a failure occurs in one part of the cash management system, it will be possible to cooperate reliably.

It should be noted that the present invention is not limited to the above-described embodiment, and can be variously modified without departing from the spirit of the present invention.

For example, although the store data management device is used as a management terminal different from the POS, the POS may be equipped with the function of the store data management device. Further, the store data management device may be provided with a free management area so that the store manager can manage and operate other funds, etc., in addition to the above-mentioned management of change and existing amount of money for operating the store.

Further, if the cash processor connected to the store data management device 12 can create cash data or sales data of the store, or accepts a medium in place of cash for which information is created by the store data management device 12. Often, it may be a counter, a deposit machine, a gift certificate management machine, an electronic money payment terminal, or the like.

Further, although the cash management system of the present invention manages the cash of the store in cooperation with the cash collection and delivery company, it may be used as a cash management system of the store alone without cooperating with the cash collection and delivery company. ..

Further, in the above embodiment, the mode of paying out the change from the change machine linked to the POS when the foreign currency is received has been described, but the result of converting the received foreign currency into yen is converted into an electronic device connected to the store data management device. It may be sent to a money settlement terminal (electronic money charging machine or the like) to charge the change to the electronic money card or the like.

1 store 11 cash processing machine 12 store data management device 15 change machine 2 cash collection and delivery company 21 cash collection and delivery company server 31 cloud server 5 currency exchange company

Claims (12)

A cash processing machine installed in each store that executes cash deposit processing and withdrawal processing and transmits deposit / withdrawal data and existing amount data, and receives the deposit / withdrawal data and existing amount data in the store. A store data management device that aggregates and displays cash data from the company and sends change request instructions to the cash collection and delivery company server.
A cash collection and delivery company server that is installed in a cash collection and delivery company and executes a change creation instruction to the store where the store data management device is installed and a sales proceeds transfer instruction to the store's bank account.
A cloud server that centrally manages data between the store data management device and the cash collection / delivery company server and transmits / receives the data.
It is a cash management system composed of
On the change request screen, the store data management device aggregates and displays the total amount of money that can be used as change in the store, including the distributed change reserve, for each type of money, and the totaled total amount. The surplus change amount is calculated and displayed by subtracting the change distribution fixed amount already registered from the high for each type of money, and the currency equivalent to the amount obtained by subtracting the surplus change amount from the change distribution fixed amount for each type of money is obtained. It is calculated and displayed as a change reserve to be distributed next time, and a change request instruction is sent to the cash collector / delivery company server based on the calculated result.
The cash collection and delivery company does not collect the surplus money of the change reserve delivered to the store last time, but delivers only the money that is insufficient as the change distribution fixed amount, and the store uses the surplus money as the change reserve for the next day. A cash management system featuring. The cash management system according to claim 1, wherein the store data management device requests a cash collection / delivery company to deliver only coins that are insufficient as a fixed amount of change distribution. The store data management device aggregates the banknotes that can be used as change among the banknotes that are the total amount in the store including the distributed change reserve for each type of money, and the banknotes that are insufficient as the fixed amount of change distribution. The cash management system according to claim 1 or 2, wherein the cash collector is instructed to collect only the banknotes corresponding to the sales proceeds. The change reserve to be distributed next time shall be equivalent to the total amount of change shortages from the fixed amount of change distribution for each type of coin, and coins will be calculated in coin-roll units. The cash management system according to any one of claims 1 to 3, wherein the cash management system is characterized in that. A type of money that can be used as change is diverted from the sales of the store and used as a change reserve for the next day, and the diverted sales are withdrawn from the deposit of the store and added to the sales reduced by the diversion. The cash management system according to any one of claims 1 to 4 , wherein the money is transferred to the bank account of the store. The cash management system according to claim 5, wherein the cloud server manages fluctuations in deposits at stores. Claims 1 to 6 are characterized in that the cash management system can accept foreign currency at the cash processing machine, receives foreign currency exchange rates, and can aggregate and manage by currency and rate. The cash management system according to any one of the above. The cash management system according to claim 7, wherein the foreign currency received by the cash processing machine is converted into yen at the exchange rate, and the change is withdrawn by a change machine linked with another cash processing machine, POS. .. The cloud server aggregates foreign currency amounts for each currency of all stores on the day, makes the aggregated amount available for viewing by multiple exchange companies, tentatively confirms transactions with the exchange company with the lowest commission, and uses data. The cash management system according to claim 7 or 8, wherein the foreign currency transaction is confirmed at the exchange rate of the day. The step that the cash processing machine installed in the store deposits the change reserve received from the cash collection and delivery company and registers it in the cash management system as a fixed amount of change distribution,
On the change request screen, the store data management device aggregates and displays the total amount of money that can be used as change in the store, including the distributed change reserve, for each type of money, and from this totaled amount of money. The surplus change amount is calculated and displayed by subtracting the already registered change distribution fixed amount for each type of money, and the currency equivalent to the amount obtained by subtracting the surplus change amount for each type of money from the change distribution fixed amount is distributed next time. Steps to calculate and display as change reserves to be paid,
The step that the store data management device notifies the calculated change reserve to the cash collector server as the change reserve to be distributed next time,
The step that the store data management device sends the deposit / withdrawal data and the existing amount data to the cash collection / delivery company server,
The step that the cash collection and delivery company server calculates the sales amount data based on the deposit / withdrawal data and the existing amount data and transfers the sales amount to the bank account of the store,
A cash management method characterized by having. The cash collection and delivery company server diverts the denomination that can be used as change from the sales amount of the store, withdraws the diversion money used as the change reserve for the next day from the deposit of the store, and adds it to the reduced sales amount to the store. The cash management method according to claim 10, further comprising a step of transferring money to a bank account. The cash management method according to claim 10 or 11, wherein the cash processing machine has a step of receiving a foreign currency exchange rate and managing the currency by currency.

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