JP7143699B2 - Cash handling equipment and information processing system - Google Patents

Description

The present invention relates to a cash processing device.

In recent years, automated-teller machines (ATMs) have been installed in various places such as banks, train stations, and convenience stores. Customers can perform transactions such as deposits, withdrawals, and balance inquiries by performing various operations on the display screen displayed on the automatic transaction device.

Such automatic transaction machines have banknote cassettes for stacking banknotes by denomination. For example, an automatic transaction machine stores banknotes deposited by a customer in a banknote cassette of a corresponding denomination in a deposit transaction, and feeds banknotes from the banknote cassette and transports the banknotes to a reception port in a withdrawal transaction.

Further, in recent years, public institutions such as trains and buses and various stores have introduced electronic money systems that allow electronic money to be used for payment (Patent Document 1). Electronic money is charged to the IC card by an electronic money charging machine installed, for example, in a station premises. For example, an electronic money charging machine can charge cash inserted into the device to an IC card set in the device.

JP 2005-157497 A

Here, when an ATM is equipped with an electronic money charging function using cash and the difference between the amount of money inserted and the amount of money charged is to be dispensed as change, the inserted cash is stored in a banknote cassette or coin storage. You will have to withdraw the difference after you are done. However, the operating time for storage due to the convenience of the device increases the transaction time and makes the user wait.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made in view of the above problems, and an object of the present invention is to provide a cash processing apparatus capable of improving the convenience of the apparatus in electronic money charge transactions. be.

In order to solve the above problems, according to one aspect of the present invention, there is provided a deposit/withdrawal port for depositing/withdrawing cash, a card handling unit for handling cards, a storage unit for storing cash by denomination, and the cash unit. , a display unit for displaying a transaction operation input screen, and a control unit for controlling display on the display unit and controlling transportation of the cash, wherein the control unit includes the Concerning an electronic money charge transaction using identification information read from a card, the cash inserted from the deposit/withdrawal port is transported to the temporary holding unit, and the amount equal to the difference between the inserted amount and the confirmed charge amount is transferred. Cash is conveyed from the storage unit and is dispensed as change from the deposit/withdrawal port, electronic money charge processing is performed for the amount of charge, and after completion of receipt of the change, the cash in the temporary storage unit is stored. If the change is not received within a predetermined time, the amount of change is recounted, the change is conveyed to the storage unit, and the recounted amount is regarded as the additional charge amount. , a cash processing device that transmits additional charge amount information to a host server together with the identification information .

The control unit may perform electronic money charge processing of the charge amount after dispensing the change.

The control unit may transmit the identification information and the charge amount to a host server as electronic money charge processing for the charge amount.

The control unit may convey the cash inserted from the cash slot to the discrimination unit, perform counting processing, and then convey the cash to the temporary storage unit.

In the change recounting process, the control unit conveys the banknotes with the change from the deposit/withdrawal port to the discrimination unit and then transports them back to the deposit/withdrawal port. The process of taking the cash received into the storage section and the process of taking the change from the deposit/withdrawal port into the storage section may be sequentially performed.

In order to solve the above problems, according to one aspect of the present invention, there is provided a deposit/withdrawal port for depositing/withdrawing cash, a card handling unit for handling cards, a storage unit for storing cash by denomination, and the cash unit. , a display unit for displaying a transaction operation input screen, and a control unit for controlling display on the display unit and controlling transportation of the cash, wherein the control unit includes the Concerning an electronic money charge transaction using identification information read from a card, the cash inserted from the deposit/withdrawal port is transported to the temporary holding unit, and the amount equal to the difference between the inserted amount and the confirmed charge amount is transferred. Cash is conveyed from the storage unit and is dispensed as change from the deposit/withdrawal port, electronic money charge processing is performed for the amount of charge, and after completion of receipt of the change, the cash in the temporary storage unit is stored. When a failure occurs while the change is being transported from the storage unit to the deposit/withdrawal port, the control unit transports all the cash stored in the temporary storage unit to the deposit/withdrawal port. A cash processing apparatus is provided in which the electronic money charge processing is not performed.

When the control unit confirms that the transport path from the temporary holding unit to the deposit/withdrawal port and the deposit/withdrawal port are in a normal state, the control unit A return of said cash to the mouth may be performed.

The control unit may place the cash processing apparatus in a failure suspension state after the cash returned to the deposit/withdrawal port is received.

In order to solve the above problems, according to another aspect of the present invention, there is provided a deposit/withdrawal port for depositing/withdrawing cash, a card handling unit for handling cards, and a storage unit for storing cash by denomination. A cash processing apparatus comprising: a temporary storage unit that temporarily stores the cash; a display unit that displays a transaction operation input screen; , a financial institution host that transmits and receives data to and from the cash processing device, and an electronic money management server, wherein the control unit relates to an electronic money charge transaction using identification information read from the card, and the input/output The cash inserted from the coin port is conveyed to the temporary holding part, and the cash corresponding to the difference between the inserted amount and the confirmed charge amount is conveyed from the storage part and is used as change from the cash inlet/outlet. Along with withdrawing money, as electronic money charge processing of the charge amount, the charge amount is transmitted to the financial institution host together with the identification information, and when the change is received within a predetermined time, the temporary holding unit When cash is transported to the storage unit and the change is not received within the predetermined time, the amount of change is recounted, the change is transported to the storage unit, and the recounted amount is calculated. regarded as an additional charge amount, and transmits additional charge amount information together with the identification information to the financial institution host, and the financial institution host receives the identification information and the charge amount or the additional charge amount received from the cash processing device. transmitting the charge amount to the electronic money management server, and the electronic money management server performs charge processing based on the identification information and the charge amount or the additional charge amount received from the financial institution host; A processing system is provided.
In order to solve the above problems, according to another aspect of the present invention, there is provided a deposit/withdrawal port for depositing/withdrawing cash, a card handling unit for handling cards, and a storage unit for storing cash by denomination. , a temporary storage unit that temporarily stores the cash, a display unit that displays a transaction operation input screen, and a control unit that performs display control on the display unit and transportation control of the cash. , a financial institution host that transmits and receives data to and from the cash processing device, and an electronic money management server, wherein the control unit relates to an electronic money charge transaction using identification information read from the card, and the input/output The cash inserted from the coin port is conveyed to the temporary holding part, and the cash corresponding to the difference between the inserted amount and the confirmed charge amount is conveyed from the storage part and is used as change from the cash inlet/outlet. Along with withdrawing money, as electronic money charge processing of the charge amount, the charge amount is transmitted to the financial institution host together with the identification information, and when the change is received within a predetermined time, the temporary holding unit When cash is transported to the storage unit and a failure occurs while the change is being transported from the storage unit to the deposit/withdrawal port, all the cash stored in the temporary storage unit is transported to the deposit/withdrawal port. without performing the electronic money charge processing, the financial institution host transmits the identification information and the charge amount received from the cash processing device to the electronic money management server, and the electronic money management server , an information processing system that performs charge processing based on the identification information and the charge amount received from the financial institution host.

According to the present invention described above, it is possible to improve the convenience of the device in electronic money charge transactions.

BRIEF DESCRIPTION OF THE DRAWINGS It is explanatory drawing which showed the structure of the automatic transaction system which is embodiment of this invention. 1 is a block diagram showing a detailed configuration of an automated teller machine that is an embodiment of the present invention; FIG. It is a figure explaining an example of an internal configuration of a bill processing part of an automatic transaction device which is an embodiment of the present invention. 4 is a flow chart showing an example of the flow of electronic money charge transaction processing according to the first embodiment of the present invention; FIG. 11 is a flow chart showing an example of the flow of electronic money charge transaction processing according to the second embodiment of the present invention; FIG. FIG. 11 is a flow chart showing an example of the flow of electronic money charge transaction processing according to the second embodiment of the present invention; FIG.

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. In the present specification and drawings, constituent elements having substantially the same functional configuration are denoted by the same reference numerals, thereby omitting redundant description.

In addition, in this specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by attaching different alphabets after the same reference numerals. However, when there is no particular need to distinguish between a plurality of constituent elements having substantially the same functional configuration, only the same reference numerals are given to each of the plurality of constituent elements.

<1. Overview of automated trading system>
First, with reference to FIG. 1, an outline of an automatic transaction system according to an embodiment of the present invention will be described.

FIG. 1 is an explanatory diagram showing the configuration of an automatic transaction system that is an embodiment of the present invention. As shown in FIG. 1, the automatic transaction system includes a plurality of automatic transaction machines 10, a dedicated network 50a, and a financial institution host 30.

An automatic transaction machine (cash processing machine) 10 is a customer-operated terminal that executes money transactions based on operations by customers of financial institutions. The automated teller machine 10 is installed in various facilities such as branches of financial institutions, convenience stores, train stations, hotels, hospitals, amusement parks, restaurants, and office buildings.

The automated teller machine 10 also includes a customer operation display unit 16, a card insertion slot 21, a reception slot 22, and an IC card reader 19 for charging electronic money. The customer operation display unit 16 includes functions as a display unit that displays a guidance screen for customer operations and as a customer operation unit that detects customer operations. The function of the display unit is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. A function as a customer operation unit is realized by, for example, a touch panel. Although FIG. 1 shows an example in which the functions of the display unit and the customer operation unit are integrally configured in the automated teller machine 10, the functions of the display unit and the customer operation unit may be configured separately. .

The card slot 21 is for inserting and ejecting a customer's cash card or credit card. The reception port 22 also functions as a banknote deposit port for customers and a banknote withdrawal port for customers.

The dedicated network 50a is a network of a financial institution, and is configured by IP-VPN (Internet Protocol-Virtual Private Network), for example. The financial institution host 30 can communicate with the automated teller machine 10 via this dedicated network 50a.

The financial institution host 30 controls various transactions by communicating with the automatic teller machine 10 via the dedicated network 50a. For example, the financial institution host 30 authenticates a customer who operates the automated teller machine 10, and executes money transactions (account transaction processing) such as deposits and transfers instructed by the customer at the automated teller machine 10. . Also, the financial institution host 30 can communicate with the electronic money management server 40 via the dedicated network 50b. The financial institution host 30 transmits the electronic money charge information received from the automated teller machine 10 to the electronic money management server 40 , and implements an electronic money charge transaction in the automated teller machine 10 .

The electronic money management server 40 associates and manages registrant information, identification information of the IC card used by the registrant, electronic money balance, electronic money transaction history, and the like.

Embodiments of the present invention relate to the automatic transaction device 10 included in the automatic transaction system described above, and particularly to electronic money charge transactions. Hereinafter, after explaining the configuration and basic operation of the automated teller machine 10, each embodiment of the present invention will be explained in detail.

<2. Configuration and Basic Operation of Automatic Transaction Device 10>
(2-1. Detailed configuration of automatic transaction device 10)
FIG. 2 is a block diagram showing the detailed configuration of the automated teller machine 10. As shown in FIG. As shown in FIG. 2, the automated teller machine 10 includes a communication unit 11, an attendant operation display unit 12, a banknote processing unit 13, a storage unit 14, a control unit 15, a customer operation display unit 16, a card handling unit 17, and a receipt issuing unit. 18, and an IC card reader 19. Below, each function part of the automatic transaction apparatus 10 is demonstrated.

(Communication unit 11)
The communication unit 11 transmits transaction details and the like in the automated teller machine 10 to the financial institution host 30 via, for example, the dedicated network 50a.

(Staff operation display unit 12)
The clerk operation display unit 12 includes functions as an clerk operation unit for detecting an input operation by the clerk who operates the automated teller machine 10 and as a display unit for displaying an operation guidance screen. A function as a staff operation unit is realized by, for example, a touch panel. The functions of the display unit and the attendant operation unit may be configured integrally, or the functions of the display unit and the customer operation unit may be configured separately.

(Banknote processing unit 13)
The banknote processing unit 13 is a functional unit that deposits and withdraws banknotes. Specifically, the banknote processing unit 13 receives banknote deposits, discriminates banknote types, counts and stores banknotes for each type. Furthermore, the banknote processing unit 13 dispenses the stored banknotes.

In the example shown in FIGS. 1 and 2, only the case of handling banknotes as an example of cash is described, but the present embodiment is not limited to this, and the automated teller machine 10 further includes a coin processing unit. may be provided. The coin processing unit is a functional unit that deposits and withdraws coins. Specifically, it receives incoming coins, discriminates the types of coins, and counts and stores the coins for each type. Furthermore, the coin processing unit dispenses the stored coins.

(storage unit 14)
The storage unit 14 is realized by a ROM (Read Only Memory), a RAM (Random Access Memory), etc. of the control unit 15, and stores a control program for controlling the operation of the automatic transaction device 10, and the automatic transaction device 10 Stores input data, display screens, etc. at the time of transaction.

(control unit 15)
The control unit 15 is mainly composed of, for example, a CPU (Central Processing Unit), etc., and controls each functional unit of the automated teller machine 10 to execute various transactions. Specifically, the control unit 15 reads the identification information from the IC card reading unit 19 and sends an electronic An inquiry is made to the money management server 40 about the balance of the IC card. The control unit 15 displays the acquired balance information on the customer operation display unit 16 . Further, in the electronic money charge transaction, the control unit 15 controls the banknote processing unit 13 to store the banknotes received from the reception port 22 in the banknote storage unit. In addition, the control unit 15 associates the transaction information with the identification information read from the IC card, and outputs the transaction information to the electronic money management server 40 via the financial institution host 30 .

(Customer operation display unit 16)
The customer operation display unit 16 is a functional unit that displays operation screens and transaction (processing) details to customers (users). It is realized by an OLED (Organic Light Emitting Diode) device or the like. The customer operation display unit 16 also functions as a customer operation unit that detects customer operations. The functions of the customer operation unit may be implemented by, for example, a touch panel. The functions of the display unit and the customer operation unit may be configured integrally, or the functions of the display unit and the customer operation unit may be configured separately.

(Card handling unit 17)
The card handling unit 17 is a functional unit that reads information on a card inserted through the card insertion slot 21 . The card handling unit 17 reads customer information from, for example, a cash card or a credit card, and outputs it to the financial institution host 30 .

(Receipt issuing unit 18)
The receipt issuing unit 18 has a function of printing receipts and the like, and can print transaction results and the like in the automated teller machine 10 on receipts and issue the receipts to customers.

(IC card reader 19)
The IC card reading unit 19 is a functional unit that reads information from an IC card that accepts electronic money. The IC card reader 19 communicates with the IC card by inserting the IC card into the throttle or by bringing the IC card close to the sensor (non-contact type) to transmit and receive data. Identification information (authentication information) and information about electronic money are acquired from the IC card. An IC card that can be used for electronic money may be handled by the card handling unit 17 by inserting it from the card slot 21 . In this embodiment, a contactless IC card reader 19 that reads information from an IC card placed on a sensor is assumed.

(2-2. Internal Configuration of Banknote Processing Unit 13)
FIG. 3 is a diagram showing an example of the internal configuration of the banknote processing unit 13 included in the automated teller machine 10. As shown in FIG. As shown in FIG. 3 , the automated teller machine 10 includes a banknote processing unit 13, a control unit 15, and a storage unit 14. Further, the banknote processing section 13 includes a customer service section 1 including a service port 22, a discrimination section 2, a temporary holding section 3, banknote cassettes 4a to 4d, a reject cassette 5, and transport paths 6a to 6m.

The customer service department 1 is configured to separate banknotes deposited by a customer at the time of a deposit transaction, and stack banknotes to be paid to a customer at the time of a withdrawal transaction. An opening/closing shutter is provided at the customer reception opening 22, and the control unit 15 appropriately opens and closes the shutter when throwing in or receiving the customer reception opening 22.例文帳に追加

The discriminating unit 2 discriminates banknotes deposited by a customer or banknotes to be dispensed to the customer. Specifically, the discriminating unit 2 discriminates the denomination, authenticity, fitness, traveling state, and the like of the bills conveyed through the conveying path 6 .

The temporary holding section 3 temporarily accumulates banknotes separated by the customer service section 1 and discriminated as normal by the discriminating section 2 at the time of deposit transaction. The banknotes accumulated in the temporary holding unit 3 are conveyed to the banknote cassettes 4a to 4d through the discriminating unit 2 when a transaction is established, such as when the deposited banknotes are recorded in the account. The temporary storage unit 3 is also used when moving banknotes between the banknote cassettes 4a to 4d.

The banknote cassettes 4a to 4d are banknote stacking units for stacking banknotes deposited by customers, banknotes to be withdrawn, and banknotes separated from other banknote cassettes 4 and the like. The banknote cassettes 4a-4d may include multiple banknote cassettes for the same denomination. For example, the banknote cassettes 4a and 4c may be banknote cassettes for 10,000 yen notes, and the banknote cassettes 4b and 4d may be banknote cassettes for 1,000 yen notes. Note that the banknote cassettes 4a to 4d have a structure that is detachable from the banknote processing unit 13, and banknotes can be loaded into the banknote cassettes 4a to 4d by replacing the banknote cassettes 4a to 4d individually.

The reject cassette 5 accumulates unpayable banknotes that are discriminated as unknown denominations by the discriminator 2 at the time of payment transaction or deposit transaction.

The transport paths 6a to 6m are configured to transport banknotes. Each of the transport paths 6a to 6m is controlled by the controller 15 to rotate a DC servomotor or a pulse motor, thereby transporting banknotes to their intended destinations. Further, the transport paths 6a to 6e constitute deposit paths, the transport paths 6b to 6d and 6f to 6l constitute stacking paths, and the transport paths 6b, 6c, 6e to 6g and 6h to 6k constitute disbursement paths. .

The control unit 15 controls basic operations such as depositing, stacking, dispensing and movement of banknotes by controlling the transport paths 6a to 6m. Each basic operation will be described below.

(basic action)
In a deposit transaction, first, bills are separated one by one from the customer department 1, and the separated bills are transported to the discriminating department 2 through transport paths 6a and 6b. Banknotes that have been judged normal by the discrimination section 2 are accumulated in the temporary storage section 3 via the transport paths 6c and 6d. On the other hand, banknotes judged to be abnormal by the discrimination section 2 are stacked in the customer service section 1 via the transport paths 6c and 6e. After that, when the customer confirms the amount of money to be deposited, the process shifts to accumulation processing.

In the stacking process, first, the banknotes are separated one by one from the temporary holding unit 3, and the separated banknotes are transported to the discriminating unit 2 through the transport paths 6d and 6c. Then, the banknotes judged normal by the discrimination unit 2 are accumulated in the banknote cassettes 4a to 4d corresponding to the denomination through the transport paths 6b and 6f to 6k. On the other hand, banknotes for which the discrimination result by the discrimination unit 2 is abnormal, such as damaged 10,000-yen and 1,000-yen notes, folded banknotes, 2,000-yen notes, 5,000-yen notes, skewed banknotes, and other banknotes with abnormal running are accumulated in the reject cassette 5 via the transport paths 6g and 6l.

In a withdrawal transaction, first, banknotes are separated one by one from the banknote cassettes 4a to 4d according to the amount specified by the customer, and the separated banknotes are conveyed to the discriminating section 2 via the conveying paths 6g to 6k and 6b. be done. Banknotes that have been judged normal by the discrimination section 2 are stacked in the customer service section 1 via the transport paths 6c and 6e. On the other hand, banknotes with an abnormal discrimination result by the discrimination unit 2, that is, banknotes that cannot be paid to the customer are stacked in the reject cassette 5 via the transport paths 6c and 6m.

When moving banknotes, first, the banknotes are separated from the source banknote cassette among the banknote cassettes 4a to 4d, and the separated banknotes are conveyed to the discrimination section 2 through the conveying paths 6g to 6k and 6b. Then, banknotes that have been judged normal by the discrimination section 2 are conveyed to the temporary holding section 3 via the conveyance paths 6 and 6d. On the other hand, banknotes judged to be abnormal by the discrimination section 2 are stacked in the reject cassette 5 via the transport paths 6c and 6m.

After that, the banknotes are transported from the temporary holding section 3 to the destination banknote cassette among the banknote cassettes 4a to 4d. Specifically, the banknotes are separated one by one from the temporary holding unit 3, and the separated banknotes are transported to the discrimination unit 2 through the transport paths 6d and 6c. Then, banknotes that have been successfully discriminated by the discriminating section 2 are accumulated in the destination banknote cassette via the transport paths 6b, 6f to 6k. On the other hand, banknotes judged to be abnormal by the discrimination section 2 are stacked in the reject cassette 5 via the transport paths 6g and 6l.

<3. Electronic money charge transaction>
The configuration and basic operation of the automated teller machine 10 have been described above with reference to FIGS. Next, an electronic money charge transaction according to this embodiment will be described. The electronic money charge transaction is processing for performing charge processing by linking cash deposited in the device to the IC card as electronic money.

When performing electronic money charging at an automated teller machine (ATM), charging methods include electronic money charging of the entire amount of deposited banknotes and electronic money charging of a portion of the deposited banknotes. In electronic money charging of a part of the amount of deposited banknotes, after charging is completed, the difference between the deposited amount and the charged amount is withdrawn from within the apparatus and returned to the apparatus user. In this specification, the return of the difference between the electronic money charged amount of the deposited banknote and the amount of electronic money charged is referred to as return of change.

Here, the operation of the automatic transaction machine in electronic money charging of a part of the banknotes deposited into the automatic transaction machine, which is normally assumed, will be described.

The control unit 15 of the automated teller machine 10 selects "electronic money charge transaction" from the operation screen displayed on the customer operation display unit 16, and when bills are inserted into the IC card reader 19 of the automated teller machine, the money is deposited. Start working. In the depositing operation, the banknotes determined to be normal through the discriminating section 2 are counted and accumulated in the temporary holding section 3, and then the banknotes are transported to and stored in the banknote cassettes 4a to 4d. The control unit 15 displays the counted amount on the customer operation display unit 16 .

Next, the electronic money charging amount is input by the user through the customer operation display section 16 . It is also assumed that the deposit operation is performed after the electronic money charge amount is input. In addition, it is also possible to display the input amount after stacking in the temporary storage unit 3, and after inputting the electronic money charge amount, transport all the banknotes stacked in the temporary storage unit 3 to the banknote cassettes 4a to 4d and store them. is assumed.

Next, the control unit 15 performs a process of charging electronic money with the input amount of money. Electronic money charge processing includes a method of directly storing charge information in an IC card, and a method of transmitting IC card identification information and charge amount information to an electronic money management server 40 via a financial institution host 30 .

Next, the control unit 15 withdraws the difference between the deposited amount and the charged amount from the banknotes in the device. That is, the control unit 15 separates the banknotes one by one from the banknote cassettes 4 a to 4 d and stacks the banknotes that have been successfully discriminated by the discriminating unit 2 in the customer service unit 1 .

Then, the user receives change from the customer service department 1.例文帳に追加

(3-1. Organizing issues)
As assumed above, when a cash transaction machine is equipped with an electronic money charge function and part of the inserted amount is charged with electronic money, a change withdrawal operation (change return) occurs. When the money counting function is used, in order to match the operation with the normal deposited money counting, the payout operation of the fishing bills is performed after the operation of storing the bills in the bill cassette is completed.

The operation time for storing is an operation time depending on the convenience of the device, and there is a problem that the user is made to wait unnecessarily and the transaction time is lengthened.

In addition, since the withdrawal operation is started after waiting for the completion of the storage operation, it takes time to withdraw the change bill, and the user may leave without receiving the change bill. If the user leaves without receiving the change bill, the user loses cash.

In addition, when returning the balance of the electronic money charge by fishing, the banknotes are fed out one by one from the banknote cassette and transported along the transport path 6. Therefore, a banknote jam or the like occurs on the way, making it difficult to transport the banknotes. There is also the possibility that the state will become dormant. In this case, the user has to wait until the restoration is completed.

Therefore, the automatic transaction apparatus 10 according to each embodiment of the present invention has been created with the above circumstances as a point of focus. The automated teller machine 10 according to each embodiment of the present invention is equipped with an electronic money charge function. It is possible to reduce the time spent on restraints and improve the convenience of a device in electronic money charge transactions. Hereinafter, each embodiment of the present invention will be described in detail.

(3-2. First embodiment)
FIG. 4 is a flow chart showing an example of the flow of electronic money charge transaction processing according to the first embodiment of the present invention. This operation process can be performed when "electronic money charge transaction" is selected from the operation screen of the customer operation display unit 16. FIG.

As shown in FIG. 4, first, the automated teller machine 10 acquires identification information from the electronic money IC card set in the IC card reader 19 by the user (step S103).

Next, when banknotes are inserted from the reception port 22 (step S106), the control unit 15 performs deposit processing of the inserted banknotes (step S109). Specifically, the control unit 15 feeds out banknotes inserted into the reception port 22 one by one, performs discrimination of the banknotes by the discrimination unit 2 through the transport path 6, and conveys normal banknotes to the temporary storage unit 3. . Thereby, the banknotes thrown into the reception port 22 can be counted. The control unit 15 may display the counted input amount on the customer operation display unit 16 . Note that the "payment processing" here is performed only for banknote discrimination, and is completed when the banknotes are not stacked in the banknote cassette in the device but are stacked in the temporary holding unit 3 that can be returned in kind. In addition, the control unit 15 conveys rejected banknotes such as abnormal banknotes to the reception port 22 . The operator withdraws the rejected banknotes and puts the banknotes into the reception port 22 again.

Next, if the deposit process fails due to a jam occurring during transportation (step S112/No), the control unit 15 accepts all the inserted banknotes (including banknotes stacked in the temporary holding unit 3). It is returned from the mouth 22 (step S115) and is received by the operator (step S118).

On the other hand, if the deposit process is successful (step S112/Yes), the control unit 15 determines the charge amount of electronic money according to the user's operation input from the customer operation display unit 16 (step S121). Specifically, the user inputs the charge amount from the operation screen displayed on the customer operation display unit 16, and selects the confirm button. For example, it is possible to charge a part of the inserted amount, such as charging 5,000 yen out of 10,000 yen inserted. If the inserted amount is insufficient for the charged amount, the control unit 15 requests additional payment. Alternatively, all of the input amount (from the temporary holding unit 3 to the return port 22) is returned as the transaction is not concluded.

Next, the control unit 15 separates the difference between the inserted amount and the charged amount, that is, the change, from the banknote cassette 4, performs discrimination through the discrimination unit 2, and conveys it to the reception port 22 (returning change). , that is, withdrawal processing) is performed (step S124). As described above, in the present embodiment, in a state in which the deposited banknotes are accumulated in the temporary holding unit 3 as the depositing process (the counting process of the deposited banknotes is completed), the deposited banknotes are stored in the banknote cassette before moving within the apparatus. , fishing return (withdrawal processing) is performed in advance.

Next, the control unit 15 performs electronic money charge processing (accesses the host server) (step S127). Specifically, the control unit 15 sends the identification information of the IC card acquired in step S103 and the electronic money charge transaction information (fixed charge amount) to the electronic money management server 40 via the financial institution host 30. Send. The electronic money management server 40 records (updates) charge information corresponding to the identification information based on the identification information and the transaction information. Here, as an example, the case where the electronic money charge amount is managed by the electronic money management server 40 is explained, but the present embodiment is not limited to this, and the electronic money information is directly charged in the storage area of the IC card. You may make it write the amount of money.

Subsequently, the user receives the change from the reception port 22 (step S130). The control unit 15 opens the shutter of the reception port 22, and closes the shutter after the receipt of the dispensed fishing bills is completed. As described above, the communication with the user is completed (transaction completed), and the user can leave the device.

After that, the control unit 15 carries out storage processing for transporting and storing the deposited banknotes accumulated in the temporary storage unit 3 to each banknote cassette 4 (step S133). In other words, the apparatus is in a transaction waiting state, but in the background, after the accumulated banknotes in the temporary holding section 3 are stored in the banknote cassette, the operation is completed.

(Effect)
As described above, according to the first embodiment, in the electronic money partial charging of the deposited banknotes in the automated teller machine, the deposited banknotes are moved within the device after the transaction with the user is completed (at least after the exchange with the user is completed). (1)), it is possible to reduce the user's restraint time without making the user wait during the movement time of the deposited banknotes within the device.

It should be noted that each step in the operation processing shown in FIG. 4 does not necessarily have to be processed in chronological order according to the order described as the flowchart. For example, the electronic money charging process shown in step S127 and the payment of change shown in S124 may be processed in reverse order or in parallel.

Further, the IC card placed on the IC card reading section 19 may be received by the user at any time after the identification information acquisition process in step S103 is performed. However, if the electronic money charge process shown in step S127 is performed by writing charge information to the IC card, it is preferable that the user cannot receive the money until the charge process shown in step S127 is completed.

(3-3. Second embodiment)
Next, a second embodiment of the invention will be described. In this embodiment, in the electronic money charge transaction according to the first embodiment described above, even if the user forgets to take the change and leaves, the user's cash loss is eliminated, and the device in the electronic money charge transaction is eliminated. It is possible to further improve convenience.

In addition, in the electronic money charge transaction according to the above-described first embodiment, even if a trouble such as a jam occurs during payment of change, the present embodiment prevents the device from being stopped and restrains the user. you can avoid it.

Operation processing according to this embodiment will be described below with reference to FIGS. 5 and 6. FIG.

FIG. 5 is a flow chart showing an example of the flow of electronic money charge transaction processing according to the first embodiment of the present invention. This operation process can be performed when "electronic money charge transaction" is selected from the operation screen of the customer operation display unit 16. FIG.

The processing shown in steps S103 to S124 in FIG. 4 is the same as the processing in steps S103 to S124 described with reference to FIG. 4, so detailed description thereof will be omitted here.

Next, when a payment process (step S124) for conveying change from the banknote cassette to the reception port 22, that is, when an obstacle such as a jam occurs during the change payment operation (step S140/No), the control unit 15 first A predetermined device restoration operation is attempted (step S143). It is preferable that the time for device recovery operation is as short as possible because the time to restrain the user becomes long. Alternatively, such device recovery operation may not necessarily be performed.

Next, if the restoration is not possible (step S146/No), the control unit 15 returns the deposited banknotes accumulated in the temporary holding unit 3 (step S149). In the present embodiment, since the deposited banknotes are accumulated in the temporary holding unit 3 in the depositing process, the control unit 15 returns all the deposited banknotes from the temporary holding unit 3 to the reception port 22 to end the transaction. (equipment pause). Specifically, the control unit 15 controls the transport route for banknote return from the temporary holding unit 3 to the service port 22, and when there is no problem in the stacking state of the service port 22 (there is no problem such as a jam on the route or the service port 22). If no failure has occurred), all the banknotes accumulated in the temporary holding section 3 are transported to the reception port 22 and returned.

Then, the control unit 15 suspends the device after the receipt of the deposited banknotes by the user is completed (step S152). As a result, even if a banknote jam or the like occurs during payment of change, all the deposited banknotes are returned from the temporary holding unit 3 to the reception port 22 (actual return), and the transaction is terminated (device suspension). It is possible to avoid confining a person until the equipment is restored.

On the other hand, when the withdrawal process (step S140/Yes) and the recovery operation (step S146/Yes) are successful, the control unit 15 performs electronic money charge process (step S155). In the electronic money charge process, as in the first embodiment, the control unit 15 sends the identification information of the IC card acquired in step S103 and the electronic money charge transaction information (determined charge amount) to the financial institution host. 30 to the electronic money management server 40. Note that the process shown in step S140 and the process shown in step S155 may be processed in reverse order, or may be processed in parallel.

Next, if a timeout for receiving the change dispensed to the service port 22 does not occur (step S158/No), the user receives the change from the service port 22 (step S170). On the other hand, if a timeout for receiving the change dispensed to the customer outlet 22 occurs (step S158/Yes), the control unit 15 closes the shutter of the customer outlet 22, ) is recalculated (step S161). It is assumed that the receipt timeout occurs when the user forgets to take change and leaves. In this case, the control unit 15 feeds banknotes one by one from the reception port 22 and performs recounting processing of the leftover banknotes via the discriminating unit 2 . Here, the banknotes transported to the discrimination unit 2 are transported to the reception port 22 (the may be returned to the reject section), and the number of bills left behind is determined.

Next, the control unit 15 performs a take-in process of conveying and storing the forgotten banknotes accumulated in the reception port 22 (for example, a reject section provided in the reception port 22) to the banknote cassette 4 (step S164).

Next, the control unit 15 notifies the host server of the amount of the bills that have not been taken out, which has been taken in, as an additional charge amount (step S167). The user's cash loss can be avoided by processing bills that the user has forgotten to take as an additional charge amount. Specifically, the control unit 15 transmits the identification information of the IC card acquired in step S<b>103 and additional charge information for the bills left behind to the electronic money management server 40 via the financial institution host 30 . Based on the identification information and the additional charge information, the electronic money management server 40 records (updates) charge information corresponding to the identification information.

Then, the control unit 15 carries out a storage process of transporting and storing the deposited banknotes accumulated in the temporary holding unit 3 to each banknote cassette 4 (step S173).

(Effect)
As described above, according to the second embodiment, in the partial electronic money charging of the deposited banknotes in the automated teller machine, by additionally charging the user's electronic money with the banknotes for which the change has not been taken, the user's cash The effect of preventing loss is obtained.

In addition, even if a banknote jam or the like occurs during payment of change, all the deposited banknotes (actual) accumulated in the temporary holding unit 3 can be returned to the user from the reception port 22 and the transaction can be completed. Since the device is suspended after that, it is possible to avoid restricting the user until the device is restored.

For example, the electronic money management server 40 may notify the user of the additional charge to a pre-registered e-mail address of the user, or the user may access the electronic money management server 40 to notify the user of the additional charge. You may make it understandable when checking a balance or a transaction history. In addition, the user may be notified when the IC card is used next time. You may make it display.

<4. Supplement>
Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention belongs can conceive of various modifications or modifications within the scope of the technical idea described in the claims. It is understood that these also naturally belong to the technical scope of the present invention.

For example, each step in the processing of the information processing system of this specification does not necessarily have to be processed in chronological order according to the order described as the flowchart. For example, each step in the processing of the information processing system may be processed in an order different from the order described as the flowchart, or may be processed in parallel.

Also, a computer program can be created for causing hardware such as a CPU, ROM, and RAM incorporated in the automatic transaction apparatus 10 to exhibit functions equivalent to the respective components of the automatic transaction apparatus 10 described above. A storage medium storing the computer program is also provided.

1 Customer Service Department 2 Discrimination Department 3 Temporary Reservation Department 4 Bill Cassette 5 Reject Cassette 6 Conveyance Path 10 Automatic Transaction Device (Cash Processing Device)
11 communication unit 12 clerk operation display unit 13 banknote processing unit 14 storage unit 15 control unit 16 customer operation display unit 17 card handling unit 18 receipt issuing unit 19 IC card reading unit 21 card insertion slot 22 reception port 30 financial institution host 40 electronic money Management server 50a Dedicated network 50b Dedicated network

Claims (10)

a deposit/withdrawal port for depositing/withdrawing cash;
a card handling unit that handles cards;
a storage unit for storing cash by denomination;
a temporary storage unit that temporarily stores the cash;
a display unit for displaying a transaction operation input screen;
a control unit that controls display on the display unit and controls transportation of the cash;
with
The control unit
Conveying cash inserted from the deposit/withdrawal port to the temporary storage unit for an electronic money charge transaction using the identification information read from the card,
Cash equivalent to the difference between the inserted amount and the confirmed charge amount is conveyed from the storage unit and withdrawn as change from the deposit/withdrawal port, and the charge amount is subjected to electronic money charge processing,
After receiving the change, conveying the cash in the temporary storage unit to the storage unit ,
If the change is not received within a predetermined time, after recounting the amount of the change, conveying the change to the storage unit;
A cash processing apparatus that regards the recounted amount as an additional charge amount, and transmits additional charge amount information to a host server together with the identification information . The control unit
In the change recounting process, the banknotes of the change are transported from the deposit/withdrawal port to the discrimination unit and then transported back to the deposit/withdrawal port,
2. The method according to claim 1 , wherein a process of taking the inserted cash from the temporary holding part into the storage part and a process of taking the change from the deposit/withdrawal port into the storage part are sequentially performed. A cash handling device as described. a deposit/withdrawal port for depositing/withdrawing cash;
a card handling unit that handles cards;
a storage unit for storing cash by denomination;
a temporary storage unit that temporarily stores the cash;
a display unit for displaying a transaction operation input screen;
a control unit that controls display on the display unit and controls transportation of the cash;
with
The control unit
Conveying cash inserted from the deposit/withdrawal port to the temporary storage unit for an electronic money charge transaction using the identification information read from the card,
Cash equivalent to the difference between the inserted amount and the confirmed charge amount is conveyed from the storage unit and withdrawn as change from the deposit/withdrawal port, and the charge amount is subjected to electronic money charge processing,
After receiving the change, conveying the cash in the temporary storage unit to the storage unit,
When a failure occurs while the change is being transported from the storage unit to the deposit/withdrawal port, all the cash stored in the temporary storage unit is transported to the deposit/withdrawal port and returned, and the electronic money charge process is performed. No cash handling equipment. The control unit
When it is confirmed that the transport path from the temporary holding unit to the deposit/withdrawal port and the deposit/withdrawal port are in a normal state, the cash is transferred from the temporary storage unit to the deposit/withdrawal port. 4. The cash processing apparatus according to claim 3 , wherein the return is performed. The control unit
5. The cash processing apparatus according to claim 3 or 4 , wherein the cash processing apparatus is placed in a failure suspension state after the cash returned to the deposit/withdrawal port is received. The control unit
6. The cash processing apparatus according to any one of claims 1 to 5 , wherein after the change is dispensed, electronic money charge processing of the charge amount is performed. The control unit
The cash processing apparatus according to any one of claims 1 to 6 , wherein said identification information and said charge amount are transmitted to a host server as electronic money charge processing for said charge amount. The control unit
The cash processing apparatus according to any one of claims 1 to 7 , wherein the cash inserted from the deposit/withdrawal port is transported to a discrimination unit, subjected to counting processing, and then transported to the temporary storage unit. . a deposit/withdrawal slot for depositing/withdrawing cash;
a card handling unit for handling cards;
a storage unit for storing cash by denomination;
a temporary storage unit that temporarily stores the cash;
a display unit for displaying a transaction operation input screen;
a control unit that controls display on the display unit and controls transportation of the cash;
a cash handling device having
a financial institution host that transmits and receives data to and from the cash processing device;
an electronic money management server;
with
The control unit
Conveying cash inserted from the deposit/withdrawal port to the temporary storage unit for an electronic money charge transaction using the identification information read from the card,
Cash equivalent to the difference between the inserted amount and the confirmed charge amount is conveyed from the storage section and is dispensed as change from the deposit/withdrawal port. transmitting the charge amount together with the identification information to the financial institution host;
When the change is received within a predetermined time, conveying the cash in the temporary storage unit to the storage unit;
if the change is not received within the predetermined time, after recounting the amount of the change, conveying the change to the storage unit;
Regarding the recounted amount as an additional charge amount, transmitting additional charge amount information to the financial institution host together with the identification information;
The financial institution host
transmitting the identification information and the charge amount or the additional charge amount received from the cash processing device to the electronic money management server;
The electronic money management server
perform charge processing based on the identification information and the charge amount or the additional charge amount received from the financial institution host;
Information processing system. a deposit/withdrawal slot for depositing/withdrawing cash;
a card handling unit for handling cards;
a storage unit for storing cash by denomination;
a temporary storage unit that temporarily stores the cash;
a display unit for displaying a transaction operation input screen;
a control unit that controls display on the display unit and controls transportation of the cash;
a cash handling device having
a financial institution host that transmits and receives data to and from the cash processing device;
an electronic money management server;
with
The control unit
Conveying cash inserted from the deposit/withdrawal port to the temporary storage unit for an electronic money charge transaction using the identification information read from the card,
Cash equivalent to the difference between the inserted amount and the confirmed charge amount is conveyed from the storage section and is dispensed as change from the deposit/withdrawal port. transmitting the charge amount together with the identification information to the financial institution host;
When the change is received within a predetermined time, conveying the cash in the temporary storage unit to the storage unit;
When a failure occurs while the change is being transported from the storage unit to the deposit/withdrawal port, all the cash stored in the temporary storage unit is transported to the deposit/withdrawal port and returned, and the electronic money charge process is performed. does not
The financial institution host
transmitting the identification information and the charge amount received from the cash processing device to the electronic money management server;
The electronic money management server
performing charge processing based on the identification information and the charge amount received from the financial institution host;
Information processing system.

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