JP7718182B2 - Cash handling system, control method, and program - Google Patents

Description

The present invention relates to a cash handling system, a control method, and a program.

Traditionally, financial institutions have been equipped with cash processing devices and counter terminals operated by operators. When an operator operates the counter terminal, the counter terminal communicates with the cash processing device, causing the cash processing device to execute transactions such as depositing cash and withdrawing cash.

Cash processing devices require high security due to the nature of handling cash. For example, Patent Document 1 below discloses technology in which an automated teller machine sends an emergency call and immediately halts cash transactions.

Japanese Patent Application Laid-Open No. 2007-304741

It is desirable to further improve security regarding cash transactions using cash processing devices.

The present invention was made in consideration of the above problems, and its object is to provide a mechanism that can further improve security regarding cash transactions using cash processing devices.

In order to solve the above problem, according to one aspect of the present invention, there is provided a cash handling system comprising: a customer operation terminal operable by a customer; an output terminal that outputs transaction correspondence information corresponding to transaction details input to the customer operation terminal; a cash processing device that reads the transaction correspondence information output by the output terminal and processes cash based on the transaction correspondence information; and an operator operation terminal that can be operated by an operator who provides services related to the cash processing device to the customer , wherein the cash processing device suspends cash processing based on the transaction correspondence information when it reads the same transaction correspondence information as transaction correspondence information that has been read in the past, and suspends the ongoing cash processing when the same transaction correspondence information is read in another cash processing device while processing cash in accordance with the read transaction correspondence information, and when the same transaction correspondence information is read in the other cash processing device while processing cash in accordance with the transaction correspondence information read by the cash processing device, the operator operation terminal outputs a second message including information indicating the cash processing device and information indicating the other cash processing device, and the second message is a message to assist the operator in resuming cash transactions of authorized customers or to exclude fraudulent customers .

When the cash processing device reads the transaction correspondence information that is identical to the transaction correspondence information that has been read in the past, the operator-operated terminal may output a first message including information indicating the cash processing device.

The cash handling system may further include a control server that stores the transaction correspondence information, information indicating whether the transaction correspondence information has been read, and information indicating the cash processing device that read the transaction correspondence information, in association with each other. The control server may control whether or not to process cash based on the transaction correspondence information read by the cash processing device, based on the stored information.

When the cash processing device reads the transaction correspondence information, it transmits the read transaction correspondence information to the control server, and if the received transaction correspondence information has not yet been read, the control server transmits a request to the cash processing device that read the transaction correspondence information to execute cash processing based on the transaction correspondence information, and if the received transaction correspondence information has been read, it transmits a request to temporarily stop cash processing based on the transaction correspondence information to one or more cash processing devices that read the transaction correspondence information, and transmits information indicating the one or more cash processing devices that read the transaction correspondence information to the operator terminal.

In order to solve the above-mentioned problem, according to another aspect of the present invention, there is provided a control method including: controlling a cash processing device that reads transaction correspondence information corresponding to transaction details input into a customer operation terminal operable by a customer and processes cash based on the transaction correspondence information, to temporarily suspend cash processing based on the transaction correspondence information, when the cash processing device reads the same transaction correspondence information as transaction correspondence information that has been read in the past ; controlling the cash processing device to temporarily suspend ongoing cash processing, when the same transaction correspondence information is read in another cash processing device while cash processing is being executed in accordance with the read transaction correspondence information; and controlling an operator operation terminal operable by an operator who provides services related to the cash processing device to the customer, to output a second message including information indicating the cash processing device and information indicating the other cash processing device, when the same transaction correspondence information is read in the other cash processing device while cash processing is being executed in accordance with the transaction correspondence information read by the cash processing device, wherein the second message is a message to assist the operator in resuming cash transactions of authorized customers or to urge the operator to exclude fraudulent customers .

Furthermore, in order to solve the above-mentioned problem, according to another aspect of the present invention, there is provided a program that causes a computer to control a cash processing device that reads transaction correspondence information corresponding to transaction details input into a customer operation terminal that can be operated by a customer and processes cash based on the transaction correspondence information, and an operator operation terminal that can be operated by an operator who provides services related to the cash processing device to the customer, to function as a control unit that controls the cash processing device to temporarily suspend cash processing based on the transaction correspondence information when the cash processing device reads the same transaction correspondence information as transaction correspondence information that has been read in the past, controls the cash processing device to temporarily suspend ongoing cash processing when the same transaction correspondence information is read in another cash processing device while cash processing is being executed in accordance with the read transaction correspondence information, and controls the operator operation terminal to output a second message including information indicating the cash processing device and information indicating the other cash processing device when the same transaction correspondence information is read in the other cash processing device while cash processing is being executed in accordance with the transaction correspondence information read by the cash processing device, wherein the second message is a message to assist the operator in resuming cash transactions of legitimate customers or to exclude fraudulent customers .

As described above, the present invention provides a mechanism that can further improve security regarding cash transactions using cash processing devices.

1 is a diagram illustrating an example of a cash processing system according to an embodiment of the present invention. 1 is a block diagram showing an example of a functional configuration of a cash processing device according to an embodiment of the present invention. 2 is a block diagram showing a functional configuration of a customer operation terminal according to an embodiment of the present invention. FIG. FIG. 2 is a block diagram showing the functional configuration of an operator terminal according to an embodiment of the present invention. FIG. 2 is a block diagram showing the functional configuration of a control server according to an embodiment of the present invention. FIG. 2 is a sequence diagram showing an example of the flow of processing executed in the cash handling system according to one embodiment of the present invention. FIG. 2 is a sequence diagram showing an example of the flow of processing executed in the cash handling system according to one embodiment of the present invention. FIG. 2 is a sequence diagram showing an example of the flow of processing executed in the cash handling system according to one embodiment of the present invention. FIG. 2 is a sequence diagram showing an example of the flow of processing executed in the cash handling system according to one embodiment of the present invention.

Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings. Note that in this specification and drawings, components having substantially the same functional configuration will be designated by the same reference numerals, and redundant explanations will be omitted.

<1. Overview>
An embodiment of the present invention relates to a cash handling system for carrying out cash transactions. First, an overview of a cash handling system according to an embodiment of the present invention will be described with reference to FIG.

FIG. 1 is a diagram illustrating an example of a cash handling system according to an embodiment of the present invention. As shown in FIG. 1, the cash handling system according to this embodiment includes multiple cash processing devices 1 (cash processing devices 1A and 1B), a customer operation terminal 2, a control server 3, an accounting server 4, and an operator operation terminal 8. The cash processing device 1 is a device that processes cash. The customer operation terminal 2 is a terminal that can be operated by a customer. The control server 3 is a device that controls the operation of each device included in the cash handling system. The accounting server 4 is a device that functions as an accounting system for a financial institution. The operator operation terminal 8 is a terminal that can be operated by an operator who provides services related to the cash processing device 1 to customers. The cash processing device 1 and the customer operation terminal 2 are installed in a store or the like of the financial institution. In this case, the operator who operates the operator operation terminal 8 is, for example, a clerk of the financial institution. In this specification, a transaction is defined as a transaction that involves cash processing performed in the cash processing device 1 and accounting system processing performed in the accounting server 4.

In Figure 1, two cash processing devices 1 are shown, but the cash processing system may have multiple cash processing devices 1, not just two. Also, in Figure 1, one customer operation terminal 2 is shown, but the cash processing system may have two or more customer operation terminals 2, not just one. Also, the two cash processing devices 1 and one customer operation terminal 2 shown in Figure 1 are assumed to be located in the same location, such as the same store. However, the multiple cash processing devices 1 and one or more customer operation terminals 2 included in the cash processing system are not limited to being located in the same store, but may be located across multiple stores.

(Customer-operated terminal)
The customer operation terminal 2 is placed on a counter 7 installed in a storefront of a financial institution's branch or the like. The customer operation terminal 2 is connected to the control server 3 via a network 5. For example, the customer operation terminal 2 displays an input screen for transaction content information and accepts input of transaction content information from a customer. The transaction content information is information indicating the transaction content. The transaction content information includes designation of a deposit or withdrawal transaction, the deposit or withdrawal amount, the customer's name, the customer's account number, etc. In the case of a withdrawal transaction, the customer may also specify the number of denominations to be withdrawn. Note that a financial institution clerk may wait near the counter 7 to assist the customer in operating the customer operation terminal 2. The customer operation terminal 2 may also be realized by, for example, a tablet terminal, a smartphone, a laptop PC, a desktop PC, etc.

The cash processing device 1 and customer operation terminal 2 are connected via network 5 and cooperate to perform an example of processing from the time transaction content information is input until the transaction is completed. In detail, the customer operation terminal 2 transmits the input transaction content information to the control server 3 via network 5. The control server 3 transmits a request to execute a cash transaction corresponding to the transaction content information to the cash processing device 1, and the cash processing device 1 then begins the cash transaction.

The customer operation terminal 2 prints out transaction correspondence information corresponding to the entered transaction details on a printer 6 placed on the counter 7 and communicatively connected to the customer operation terminal 2. The transaction correspondence information includes transaction content information indicating the transaction details entered by the customer and transaction identification information that uniquely identifies the transaction based on the transaction content information. The transaction identification information is generated based on the date the transaction content information was entered into the customer operation terminal 2, the number identifying the store where the customer operation terminal 2 is located, the number identifying the customer operation terminal 2, and a serial number assigned to each transaction. The transaction identification information may be assigned by the customer operation terminal 2 or by the control server 3. The transaction correspondence information may be printed as a barcode or two-dimensional code (QR code (registered trademark)) indicating the transaction correspondence information. For improved security, the transaction correspondence information may be encrypted before printing. After receiving the receipt printed out by the printer 6, the customer proceeds to the cash processing device 1 and has the cash processing device 1 read the receipt, thereby starting a cash transaction at the cash processing device 1.

The printer 6 is an example of an output terminal that outputs the transaction correspondence information. However, the method of outputting the transaction correspondence information is not limited to printing the transaction correspondence information on a receipt (paper medium). For example, the customer operation terminal 2 may function as the output terminal. The customer operation terminal 2 may, for example, write the transaction correspondence information on a specified IC card and eject it, or may send the transaction correspondence information to a personal terminal (smartphone, etc.) carried by the customer. In the latter case, the cash processing device 1 may read the transaction correspondence information displayed on the personal terminal carried by the customer, or may receive the transaction correspondence information from the personal terminal carried by the customer via short-range communication, etc. The customer operation terminal 2 may also display the transaction correspondence information. The customer may then photograph the displayed transaction correspondence information using their personal terminal and have the cash processing device 1 read the screen displaying the transaction correspondence information, or manually enter the number-format transaction correspondence information displayed on the customer operation terminal 2 into the cash processing device 1.

(cash processing device)
Here, the cash processing device 1 is assumed to be a self-service cash processing device operated by a customer. The cash processing device 1 is connected to a control server 3 via a network 5. The cash processing device 1 reads transaction correspondence information printed out by a printer 6 and processes cash based on the read transaction correspondence information. For example, if a customer has input transaction content information for a withdrawal transaction into the customer operation terminal 2, the cash processing device 1 will withdraw the specified amount.

As shown in FIG. 1, the cash processing device 1A has a cash processing unit 140 consisting of a banknote processing unit 142 and a coin processing unit 144. The banknote processing unit 142 deposits and dispenses banknotes, and the coin processing unit 144 deposits and dispenses coins. The top surface of the cash processing device 1A is also provided with an operation display unit 110 that has operation input and display functions, and a reading unit 120 that optically reads barcodes or QR codes that serve as transaction correspondence information printed on receipts. When the transaction correspondence information is read by the reading unit 120, the cash processing device 1A processes cash based on the read transaction correspondence information.

As shown in FIG. 1, the banknote processing unit 142 of the cash processing device 1A is provided with a banknote deposit/withdrawal port 11 for depositing and withdrawing banknotes, and the coin processing unit 144 is provided with a coin deposit/withdrawal port 19 for depositing and withdrawing coins, and a foreign object return port 22 for returning foreign objects other than coins that are inserted by mistake.

(Operator-operated terminal)
The operator-operated terminal 8 is placed, for example, at a counter of a financial institution and is operated by a clerk of the financial institution. The operator-operated terminal 8 is connected to the control server 3 via the network 5. For example, the operator-operated terminal 8 outputs information indicating the cash processing device 1 or the customer-operated terminal 2 being operated by a customer who is thought to require assistance, and guides the clerk to the customer who requires assistance.

(control server)
The control server 3 is connected via a network 5 to the cash processing devices 1, customer operation terminals 2, and operator operation terminals 8 installed in each branch of the financial institution. The control server 3 is also connected to an accounting server 4. The control server 3 can issue operation instructions to each connected device. As one example, the control server 3 transmits to the cash processing device 1 a request to execute cash processing based on transaction content information input to the customer operation terminal 2. As another example, the control server 3 transmits to the accounting server 4 a request to execute accounting system processing corresponding to the transaction content information input to the customer operation terminal 2.

However, there is a risk that the transaction information printed on the receipt may be fraudulently obtained and used by a third party (hereinafter referred to as a fraudulent customer) other than the customer who received the receipt (hereinafter referred to as the authorized customer). For example, a fraudulent customer may take a photo of the printed receipt for the authorized customer using a smartphone or other device and present the photo to the cash processing device 1, thereby fraudulently executing a cash transaction at the cash processing device 1. In this case, not only would the authorized customer be unable to execute a cash transaction, but they would also suffer damage such as unauthorized withdrawal of cash from their account. One possible way to address this type of fraud is for the cash processing system to register biometric information, such as a facial image of the authorized customer, in advance or for each transaction, and perform authentication based on the biometric information. However, this method imposes an obligation to store and manage the biometric information. Furthermore, if biometric information is fraudulently obtained, such as by secretly capturing a facial image of an authorized customer using a smartphone, it becomes difficult to address the above-mentioned fraud even with biometric authentication.

The control server 3 therefore stores transaction correspondence information, information indicating whether the transaction correspondence information has been read, and information indicating the cash processing device 1 that read the transaction correspondence information, in association with each other. When the same transaction correspondence information is read multiple times in the cash processing system, the control server 3 temporarily suspends cash processing in cash processing devices 1 that are about to process or have already processed cash based on the transaction correspondence information. "Temporarily suspended" here means that cash processing can be resumed with assistance from a financial institution employee, for example. This configuration makes it possible to prevent fraudulent cash transactions by fraudulent customers.

Furthermore, when the same transaction correspondence information is read multiple times in the cash processing system, the control server 3 outputs a message to the operator terminal 8 including information indicating the cash processing device 1 that is about to process, or has already processed, cash based on the transaction correspondence information. Using this message as a reference, a financial institution clerk travels to the location of the cash processing device 1 that is about to process, or has already processed, cash based on the transaction information read multiple times, and directly contacts the customer operating that cash processing device 1. This allows the financial institution clerk to confirm whether the customer they contact is a legitimate customer or a fraudulent customer, eliminate the fraudulent customer, and assist the legitimate customer in resuming cash transactions. In this way, it is possible to improve security regarding cash transactions using the cash processing device 1 while not impairing convenience for legitimate customers.

As a specific example, consider a case where cash processing device 1A reads the transaction correspondence information first, and cash processing device 1B reads the same transaction correspondence information later. At the time cash processing device 1A reads the transaction correspondence information, the transaction correspondence information has not yet been read, so cash processing device 1A starts processing cash based on the transaction correspondence information. On the other hand, at the time cash processing device 1B reads the transaction correspondence information, the transaction correspondence information has already been read, so cash processing device 1B temporarily suspends processing cash based on the transaction correspondence information, and operator operation terminal 8 outputs a message including information identifying cash processing device 1B. On the other hand, if cash processing device 1A is currently processing cash, cash processing device 1A temporarily suspends the ongoing cash processing, and operator operation terminal 8 outputs a message including information identifying cash processing device 1A.

(accounting server)
The accounting server 4 performs accounting processing for transactions. In particular, the accounting server 4 executes accounting processing requested by the control server 3. For example, when the accounting server 4 is requested to execute a deposit transaction, it adds the deposit amount to the customer's account balance, and when the accounting server 4 is requested to execute a withdrawal transaction, it subtracts the withdrawal amount from the customer's account balance. The accounting server 4 also manages the customer's personal information (name, ID, telephone number, address, account number, transaction history, place of employment, family composition, etc.) and information about each store (including the balance of the cash processing device 1).

(network)
The network 5 is a network that complies with any communication standard such as IEEE. The network 5 is configured, for example, by a wide area internet line or a dedicated line unique to the financial institution. These lines may include at least one of a wired communication path such as an Ethernet cable and a wireless communication path provided by Wi-Fi (registered trademark) or the like.

<2. Configuration of cash processing device>
The outline of the cash handling system according to one embodiment of the present invention has been described above. Next, the functional configuration of the cash processing device 1 according to one embodiment of the present invention will be described with reference to FIG.

Figure 2 is a block diagram showing an example of the functional configuration of a cash processing device 1 according to one embodiment of the present invention. As shown in Figure 2, the cash processing device 1 has a control unit 100, an operation and display unit 110, a reading unit 120, a communication unit 130, a cash processing unit 140, and a memory unit 160.

The operation display unit 110 functions as a display unit that displays operation guidance screens and screens showing processing status, and as an input unit through which customers can enter operation inputs. The display unit function is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The input unit function is realized, for example, by a touch panel. Note that the display unit and operation input unit functions may be configured separately.

The reading unit 120 has the function of optically reading encoded information such as a one-dimensional barcode or QR code (registered trademark). The reading unit 120 may be implemented, for example, as a camera or barcode reader. Furthermore, if the transaction correspondence information is read from an IC card, the reading unit 120 may be implemented as a card reader. Furthermore, if the transaction correspondence information is read via wireless communication, the reading unit 120 may be implemented as a communication interface capable of short-range wireless communication such as NFC (Near Field Communication).

The communication unit 130 is connected to the control server 3 via the network 5. The communication unit 130 transmits the transaction correspondence information read by the reading unit 120 to the control server 3, receives requests to execute or suspend cash processing based on the transaction correspondence information from the control server 3, and transmits the transaction processing results to the control server 3. The communication method used by the communication unit 130 may be a wired communication method or a wireless communication method. An example of a wired communication method is a communication method using an Ethernet cable that complies with IEEE, and an example of a wireless communication method is a communication method using Wi-Fi that complies with IEEE.

The cash processing unit 140 processes deposits and withdrawals of cash, such as banknotes and coins. Deposits include counting the cash inserted by customers and storing the cash in a storage unit. Withdrawals include dispensing cash from the storage unit and transporting the dispensed cash to the withdrawal port.

The memory unit 160 is realized by ROM (Read Only Memory) and RAM (Random Access Memory), etc. The memory unit 160 stores, for example, a control program for controlling the operation of the cash processing device 1, input data during transactions with the cash processing device 1, and display screens.

The control unit 100 is primarily composed of electronic circuits such as a CPU (Central Processing Unit), and controls each functional unit of the cash processing device 1 to execute various transactions.

Each transaction can be realized by multiple processes executed by the cash processing unit 140. The control unit 100 outputs execution instructions for each of the multiple processes to the cash processing unit 140 in sequence, and the cash processing unit 140 executes the multiple processes in sequence in accordance with the execution instructions. The control unit 100 also controls the communication unit 130 to send information indicating the processing results of the transaction to the control server 3.

When transaction correspondence information is read by the reading unit 120, the control unit 100 controls the processing of cash based on the transaction correspondence information as described below.

When the reading unit 120 reads transaction correspondence information that is the same as transaction correspondence information that has been read in the past, the control unit 100 controls the cash processing unit 140 to temporarily suspend cash processing based on that transaction correspondence information. More specifically, when transaction correspondence information is read by the reading unit 120, the control unit 100 causes the communication unit 130 to transmit the transaction correspondence information to the control server 3. If the transaction correspondence information has already been read, a request to temporarily suspend cash processing based on that transaction correspondence information is received by the communication unit 130. In that case, the control unit 100 controls the cash processing unit 140 to temporarily suspend cash processing based on that transaction correspondence information.

When the reading unit 120 reads transaction correspondence information that has not been read before, the control unit 100 controls the cash processing unit 140 to process cash based on that transaction correspondence information. More specifically, when transaction correspondence information is read by the reading unit 120, the control unit 100 causes the communication unit 130 to send the transaction correspondence information to the control server 3. If the transaction correspondence information has not yet been read, a request to process cash based on that transaction correspondence information is received by the communication unit 130. In that case, the control unit 100 controls the cash processing unit 140 to process cash based on that transaction correspondence information.

However, if the same transaction correspondence information read by the reading unit 120 is read by another cash processing device 1 while cash processing is being performed in accordance with the transaction correspondence information, the control unit 100 controls the cash processing unit 140 to temporarily suspend the ongoing cash processing. In more detail, if the transaction correspondence information read by the reading unit 120 is read by another cash processing device 1 while cash processing is being performed based on the transaction correspondence information, a request to temporarily suspend cash processing based on the transaction correspondence information is received by the communication unit 130. In this case, the control unit 100 controls the cash processing unit 140 to temporarily suspend the ongoing cash processing.

<3. Configuration of customer operation terminal>
The functional configuration of the cash processing device 1 according to one embodiment of the present invention has been described above. Next, the functional configuration of the customer operation terminal 2 according to one embodiment of the present invention will be described with reference to Fig. 3 .

Figure 3 is a block diagram showing the functional configuration of a customer operation terminal 2 according to one embodiment of the present invention. As shown in Figure 3, the customer operation terminal 2 according to one embodiment of the present invention has a control unit 200, an operation display unit 210, a communication unit 220, and a memory unit 230.

The control unit 200 is primarily composed of electronic circuits such as a CPU (Central Processing Unit), and controls each functional unit of the customer operation terminal 2 to execute various transactions.

The operation display unit 210 functions as a display unit that displays operation guidance screens and screens showing processing status, and as an input unit through which customers can enter operation inputs. The display unit function is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The input unit function is realized, for example, by a touch panel. Note that the display unit and operation input unit functions may be configured separately.

The communication unit 220 is connected to the control server 3 via the network 5. The communication unit 220 transmits transaction content information input by the customer to the operation display unit 210 to the control server 3, and receives transaction identification information numbered by the control server 3. The communication unit 220 also transmits transaction correspondence information including the transaction content information and transaction identification information to the printer 6, causing the printer 6 to print out the transaction correspondence information. The communication method used by the communication unit 220 may be a wired communication method or a wireless communication method. An example of a wired communication method is a communication method using an IEEE-compliant Ethernet cable, and an example of a wireless communication method is a communication method using IEEE-compliant Wi-Fi.

The memory unit 230 is realized by ROM (Read Only Memory) and RAM (Random Access Memory), etc. The memory unit 230 stores, for example, a control program for controlling the operation of the customer operation terminal 2, transaction content information entered into the customer operation terminal 2, and display screens.

4. Configuration of operator operation terminal
The functional configuration of the customer operation terminal 2 according to one embodiment of the present invention has been described above. Next, the functional configuration of the operator operation terminal 8 according to one embodiment of the present invention will be described with reference to FIG.

Figure 4 is a block diagram showing the functional configuration of an operator operation terminal 8 according to one embodiment of the present invention. As shown in Figure 4, the operator operation terminal 8 according to one embodiment of the present invention has a control unit 800, an operation display unit 810, a communication unit 820, and a memory unit 830.

The operation display unit 810 functions as a display unit that displays screens to notify the operator of information, and as an input unit through which the operator enters operation input. The display unit function is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The input unit function is realized, for example, by a touch panel. Note that the display unit and operation input unit functions may be configured separately.

The communication unit 820 is connected to the control server 3 via the network 5. For example, when the same transaction correspondence information is read multiple times in the cash processing system, the communication unit 820 receives information indicating the cash processing device 1 that read the transaction correspondence information. The communication method used by the communication unit 820 may be a wired communication method or a wireless communication method. An example of a wired communication method is a communication method using an Ethernet cable that complies with IEEE, and an example of a wireless communication method is a communication method using Wi-Fi that complies with IEEE.

The memory unit 830 is realized by ROM (Read Only Memory) and RAM (Random Access Memory), etc. The memory unit 830 stores, for example, control programs for controlling the operation of the operator operation terminal 8, display screens, etc.

The control unit 800 is primarily composed of electronic circuits such as a CPU (Central Processing Unit), and controls the various functional units of the operator terminal 8 to support the operator's work.

If the same transaction correspondence information is read multiple times, the control unit 800 controls the processing described below.

When the cash processing device 1 reads transaction correspondence information that is the same as transaction correspondence information that has been read in the past, the control unit 800 controls the operation and display unit 810 to output a first message including information identifying the cash processing device 1. For example, if cash processing device 1A reads transaction correspondence information first and cash processing device 1B reads the same transaction correspondence information later, information identifying cash processing device 1B is received by the communication unit 820. In this case, the control unit 800 controls the operation and display unit 810 to output a first message including information identifying cash processing device 1B.

If, while a cash processing device 1 is processing cash according to the transaction correspondence information it has read, the same transaction correspondence information is read by another cash processing device 1, the control unit 800 controls the operation and display unit 810 to output a second message including information indicating the cash processing device 1 that is currently processing cash. For example, if cash processing device 1A has first read the transaction correspondence information and is processing cash, and cash processing device 1B reads the same transaction correspondence information later, information indicating cash processing device 1A is received by the communication unit 820. In this case, the control unit 800 controls the operation and display unit 810 to output a second message including information indicating cash processing device 1A.

5. Control Server Configuration
The functional configuration of the operator terminal 8 according to one embodiment of the present invention has been described above. Next, the functional configuration of the control server 3 according to one embodiment of the present invention will be described with reference to FIG.

Figure 5 is a block diagram showing the functional configuration of a control server 3 according to one embodiment of the present invention. As shown in Figure 5, the control server 3 according to one embodiment of the present invention has a control unit 300, a communication unit 310, and a memory unit 320.

The communications unit 310 communicates with external devices such as the cash processing device 1, the customer operation terminal 2, the accounting server 4, and the operator operation terminal 8. As one example, the communications unit 310 receives transaction correspondence information read by the cash processing device 1, and returns information indicating whether the received transaction correspondence information has been read to the cash processing device 1. As another example, the communications unit 310, under control of the control unit 300, sends a request to execute a transaction to the cash processing device 1 and the accounting server 4. For example, if the requested transaction is a withdrawal transaction, the communications unit 310 sends a request to execute the withdrawal transaction to the cash processing device 1, and sends a request to execute accounting processing associated with the withdrawal transaction to the accounting server 4.

The memory unit 320 stores various data and software used in the operation of the control server 3. For example, the memory unit 320 stores transaction correspondence information, information indicating whether the transaction correspondence information has been read, and information indicating the cash processing device 1 that read the transaction correspondence information, in association with each other.

The control unit 300 is primarily composed of electronic circuits such as a CPU (Central Processing Unit), and controls each functional unit of the control server 3 to execute various transactions.

The control unit 300 controls whether or not to process cash based on the transaction correspondence information read by the cash processing device 1, based on the information stored in the memory unit 320. In more detail, when the cash processing device 1 reads transaction correspondence information, it transmits the read transaction correspondence information to the control server 3. When the transaction correspondence information is received by the communication unit 310, the control unit 300 refers to the memory unit 320 to confirm whether the received transaction correspondence information has been read. The control unit 300 then performs processing according to the confirmation result and updates the information stored in the memory unit 320.

Specifically, if the received transaction correspondence information has not yet been read, the control unit 300 controls the communication unit 310 to send a request to the cash processing device 1 that read the transaction correspondence information to execute cash processing based on the transaction correspondence information. The control unit 300 then controls the storage unit 320 to store information indicating that the transaction correspondence information has been read and information indicating the cash processing device 1 that read the transaction correspondence information, in association with the transaction correspondence information. As an example, consider a case where the cash processing device 1A has read certain transaction correspondence information for the first time. In this case, the control unit 300 controls the communication unit 310 to send a request to the cash processing device 1A to execute cash processing based on the read transaction correspondence information. The control unit 300 then controls the storage unit 320 to store information that the transaction correspondence information has been read and that the cash processing device 1A has read the transaction correspondence information.

On the other hand, if the received transaction correspondence information has already been read, the control unit 300 controls the communication unit 310 to send a request to temporarily suspend cash processing based on the transaction correspondence information to one or more cash processing devices 1 that have read the transaction correspondence information. Furthermore, the control unit 300 controls the communication unit 310 to send information indicating one or more cash processing devices 1 that have read the transaction correspondence information to the operator terminal 8. The control unit 300 then controls the storage unit 320 to store information indicating the cash processing devices 1 that have read the transaction correspondence information in association with the transaction correspondence information. As an example, consider a case where cash processing device 1A reads the transaction correspondence information first, and cash processing device 1B later reads the same transaction correspondence information and transmits it to the control server 3. In this case, when the control server 3 receives the transaction correspondence information from cash processing device 1B, the control server 3 remembers that the transaction correspondence information has already been read and has been read by cash processing device 1A. Therefore, the control unit 300 controls the communication unit 310 to send a request to temporarily suspend cash processing based on the read transaction correspondence information to cash processing device 1A and cash processing device 1B. Furthermore, the control unit 300 controls the communication unit 310 to send information indicating the cash processing device 1A and the cash processing device 1B to the operator terminal 8. The control unit 300 then controls the storage unit 320 to store information indicating the cash processing device 1B that read the transaction correspondence information in association with the transaction correspondence information.

<6. Processing flow>
The configuration of a cash handling system according to one embodiment of the present invention has been described above. Next, the processing flow of the cash handling system according to one embodiment of the present invention will be described with reference to Figures 6 to 9. Figures 6 to 9 show the processing flow executed when a customer visits a branch of a financial institution and withdraws 10,000 yen using the cash processing device 1. It is assumed that the customer already has an account with the financial institution.

(1) Example of Processing Flow When Accepting a Transaction Figure 6 is a sequence diagram showing an example of the processing flow executed in a cash handling system according to an embodiment of the present invention. This sequence involves the customer operation terminal 2, the printer 6, and the control server 3. This sequence shows an example of the processing flow up to the output of a two-dimensional code as transaction correspondence information.

As shown in FIG. 6, first, when a customer starts operating the customer operation terminal 2, the customer operation terminal 2 sends a request to start a transaction to the control server 3 (step S102).

When the control server 3 receives a request to start a transaction, it performs transaction acceptance processing (step S104). For example, the control server 3 assigns a transaction acceptance number and generates a acceptance counter. The acceptance number is information that uniquely identifies an accepted transaction. The acceptance counter is a counter that holds a count value that indicates the balance of the accepted transaction. The acceptance counter is incremented or decremented according to processing in the cash processing device 1 and processing in the accounting server 4, and is used to confirm that the balance of these processes is consistent.

Once the transaction acceptance process is complete, the control server 3 sends a transaction start response to the customer operation terminal 2 (step S106).

When the customer operation terminal 2 receives the transaction start response, it accepts input of transaction content information from the customer and sends a withdrawal request to the control server 3 requesting withdrawal processing based on the input transaction content information (step S108). The withdrawal request includes, for example, transaction content information.

When the control server 3 receives the withdrawal request, it sends a withdrawal response to the customer operation terminal 2 (step S110). The withdrawal response includes, for example, transaction identification information assigned by the control server 3.

When the customer operation terminal 2 receives the withdrawal response, it sends a two-dimensional code output request to the printer 6 (step S112). The two-dimensional code output request includes, for example, a two-dimensional code that stores transaction correspondence information including transaction content information entered by the customer and transaction identification information assigned by the control server 3.

When the printer 6 receives the request to output the two-dimensional code, it prints out the two-dimensional code (step S114). When the customer receives the receipt with the printed two-dimensional code, they proceed to the cash processing device 1 with the received receipt.

(2) Example of Normal Withdrawal Processing Flow Figure 7 is a sequence diagram showing an example of the processing flow executed in a cash handling system according to one embodiment of the present invention. This sequence involves the control server 3 and the cash processing device 1A. This sequence shows an example of the processing flow when a customer who receives a receipt with a two-dimensional code printed as transaction correspondence information performs a withdrawal transaction in the cash processing device 1A.

As shown in Figure 7, the cash processing device 1A reads the two-dimensional code presented by the customer (step S202).

Next, the cash processing device 1A transmits the transaction correspondence information stored in the read two-dimensional code to the control server 3 (step S204).

When the control server 3 receives the transaction correspondence information, it checks whether the same transaction has occurred (step S206). Specifically, the control server 3 determines whether the same transaction correspondence information as the received transaction correspondence information has been read in the past. Here, it is assumed that it has been determined that the information has not yet been read, i.e., that the same transaction does not exist. In this case, the control server 3 stores the received transaction correspondence information, information indicating that the transaction correspondence information has been read, and information indicating that the transaction correspondence information has been read by the cash processing device 1A, in association with each other.

Then, the control server 3 sends information indicating that there is no identical transaction to the cash processing device 1A as a request to execute the withdrawal process (step S208).

When the cash processing device 1A receives a request to execute a dispensing process, it executes the dispensing process based on the read transaction correspondence information (step S210). For example, the cash processing device 1A counts and removes 10,000 yen worth of banknotes from a storage cassette, and transports them to the banknote deposit/withdrawal slot 11. The cash processing device 1A then displays the count results and opens the banknote deposit/withdrawal slot 11. Then, once the customer has removed 10,000 yen worth of banknotes from the banknote deposit/withdrawal slot 11, it closes the banknote deposit/withdrawal slot 11.

When the dispensing process is completed, the cash processing device 1A transmits the withdrawal result to the control server 3 (step S212). The withdrawal result includes, for example, information indicating that 10,000 yen has been withdrawn.

When the control server 3 receives the withdrawal result, it updates the reception counter, confirms that the balance between cash processing and accounting system processing is consistent, and sends a withdrawal result approval to the cash processing device 1A (step S214).

(3) Example of fraudulent withdrawal processing flow Figure 8 is a sequence diagram showing an example of the processing flow executed in the cash handling system according to one embodiment of the present invention. This sequence involves the control server 3, cash processing device 1A, cash processing device 1B, and operator terminal 8. This sequence shows an example of the processing flow when, while the cash processing device 1A is executing a withdrawal process based on transaction correspondence information read by the cash processing device 1A, the same transaction correspondence information is read by the cash processing device 1B.

The processing relating to steps S302 to S308 shown in Figure 8 is the same as the processing relating to steps S204 to S208 described with reference to Figure 7.

When the cash processing device 1A receives a request to execute a dispensing process, it starts the dispensing process based on the transaction correspondence information it read (step S310).

While the dispensing process is being performed in the cash processing device 1A, the cash processing device 1B reads the two-dimensional code presented by the customer (step S312).

Next, the cash processing device 1B transmits the transaction correspondence information stored in the read two-dimensional code to the control server 3 (step S314).

When the control server 3 receives the transaction correspondence information, it checks whether the same transaction has occurred (step S316). Specifically, the control server 3 determines whether the same transaction correspondence information as the received transaction correspondence information has been read in the past. Because the same transaction correspondence information has been read by the cash processing device 1A, the control server 3 determines that it has already been read, i.e., that the same transaction has occurred. In this case, the control server 3 stores the received transaction correspondence information, information indicating that the transaction correspondence information has already been read, and information indicating that the transaction correspondence information has been read by the cash processing device 1A and cash processing device 1B, in association with each other.

Then, the control server 3 transmits information indicating that the same transaction has occurred to the cash processing device 1A and the cash processing device 1B (step S318).

The control server 3 also sends an identical transaction occurrence notification to the operator terminal 8, indicating that the identical transaction has occurred (step S320). The identical transaction occurrence notification includes information indicating the cash processing device 1A and cash processing device 1B that read the identical transaction correspondence information.

When cash processing device 1A and cash processing device 1B receive information indicating that the same transaction exists, they display information indicating that the transaction will be temporarily suspended (steps S322A and S322B). For example, cash processing device 1A and cash processing device 1B display a message such as "Please wait a moment."

Next, cash processing device 1A and cash processing device 1B send a request to temporarily suspend the transaction to the control server 3 (steps S324A and S324B). The request to temporarily suspend the transaction is a message requesting the temporary suspension of a series of processes related to the transaction, including cash processing and accounting system processing.

When the control server 3 receives the request to temporarily suspend the transaction, it sends a request to temporarily suspend the withdrawal process to the cash processing device 1A and cash processing device 1B (steps S326A and S326B).

When the cash processing device 1A and cash processing device 1B receive a request to temporarily suspend the dispensing process, they temporarily suspend the dispensing process (steps S328A and S328B). For example, the cash processing device 1A and cash processing device 1B temporarily suspend the processing in the cash processing section 140 while continuing to display a message such as "Please wait a moment."

On the other hand, when the operator-operated terminal 8 receives notification of the occurrence of an identical transaction, it displays that the identical transaction has occurred (step S330). For example, the operator-operated terminal 8 displays information indicating the cash processing device 1A and cash processing device 1B that are performing the identical transaction, and prompts the financial institution's staff to assist the legitimate customer or remove the fraudulent customer.

(4) Another Example of the Flow of Fraudulent Withdrawal Processing Figure 9 is a sequence diagram showing an example of the flow of processing executed in a cash handling system according to an embodiment of the present invention. This sequence involves the control server 3, cash processing device 1A, cash processing device 1B, and operator terminal 8. This sequence shows an example of the flow of processing when, after a withdrawal process based on transaction correspondence information read by cash processing device 1A is completed, the same transaction correspondence information is read by cash processing device 1B.

The processing relating to steps S402 to S408 shown in Figure 9 is the same as the processing relating to steps S204 to S208 described with reference to Figure 7.

When the cash processing device 1A receives a request to execute a withdrawal process, it executes the withdrawal process based on the transaction correspondence information it read. Here, it is assumed that the withdrawal process is completed (step S410).

The cash processing device 1B reads the two-dimensional code presented by the customer (step S412).

Next, the cash processing device 1B transmits the transaction correspondence information stored in the read two-dimensional code to the control server 3 (step S414).

When the control server 3 receives the transaction correspondence information, it checks whether the same transaction has occurred (step S416). Specifically, the control server 3 determines whether the same transaction correspondence information as the received transaction correspondence information has been read in the past. Because the same transaction correspondence information has been read by the cash processing device 1A, the control server 3 determines that it has already been read, i.e., that the same transaction has occurred. In this case, the control server 3 stores the received transaction correspondence information, information indicating that the transaction correspondence information has already been read, and information indicating that the transaction correspondence information has been read by the cash processing device 1A and cash processing device 1B, in association with each other.

However, since the withdrawal transaction in cash processing device 1A has been completed, the control server 3 sends information indicating that the same transaction exists only to cash processing device 1B (step S418).

The control server 3 also sends a duplicate transaction occurrence notification to the operator terminal 8, indicating that the duplicate transaction has occurred (step S420). The duplicate transaction occurrence notification includes information indicating the cash processing device 1B that read the duplicate transaction correspondence information.

When the cash processing device 1B receives information indicating that the same transaction exists, it displays information indicating that the transaction will be temporarily suspended (step S422). For example, the cash processing device 1B displays a message such as "Please wait a moment."

The cash processing device 1B then sends a request to temporarily suspend the transaction to the control server 3 (step S424).

When the control server 3 receives the request to temporarily suspend the transaction, it sends a request to temporarily suspend the withdrawal process to the cash processing device 1B (step S426).

When the cash processing device 1B receives a request to temporarily suspend the withdrawal process, it temporarily suspends the withdrawal process (step S428).

On the other hand, when the operator-operated terminal 8 receives notification of the occurrence of a duplicate transaction, it displays that a duplicate transaction has occurred (step S430). For example, the operator-operated terminal 8 displays information indicating the cash processing device 1B that is performing the duplicate transaction, and prompts the financial institution's clerk to assist the legitimate customer or remove the fraudulent customer.

<7. Supplementary Information>
Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

For example, while the above describes an example in which transaction correspondence information includes transaction content information and transaction identification information, the present invention is not limited to such an example. The transaction correspondence information may include transaction identification information, but not transaction content information. In this case, when transaction content information is input by a customer, the customer operation terminal 2 transmits the input transaction content information to the control server 3, and the control server 3 stores the transaction content information in association with the transaction identification information. On the other hand, when the cash processing device 1 reads the transaction identification information as transaction correspondence information, it queries the control server 3 for the transaction identification information, receives the transaction content information stored in the control server 3 in association with the transaction identification information, and processes the cash based on the transaction content information.

For example, while the above describes an example in which the control server 3 sends a duplicate transaction notification to the operator-operated terminal 8, the present invention is not limited to this example. The control server 3 may also send a duplicate transaction notification to a personal terminal carried by the customer. In this case, it becomes possible to directly warn the customer of the presence of a fraudulent customer.

For example, while the above describes an example in which a cash handling system according to one embodiment of the present invention is applied to the business flow of a financial institution, the application of a transaction system according to one embodiment of the present invention is not limited to financial institutions. The cash handling system according to one embodiment of the present invention can be applied to a variety of industries in which customers handle cash, such as retail businesses such as supermarkets and convenience stores, travel agencies, leisure facilities, passenger and infrastructure businesses such as railways and airlines, medical institutions, and government agencies.

For example, although the above describes an example in which the cash processing device 1 is a self-service cash processing device operated by a customer, the present invention is not limited to such an example. The cash processing device 1 may be operable only by bank clerks, or may be operable by both bank clerks and customers.

In addition, while the above describes a terminal installed at a financial institution as the customer operation terminal 2, it is also possible to use an information terminal such as a smartphone owned by the customer as a terminal that performs the functions of the customer operation terminal 2. In this case, the information terminal connects to the control server 3, and by using the Web API provided by the control server 3, the information terminal sends a transaction execution request to the control server 3, thereby enabling transactions to be realized in the same way as in the above-mentioned embodiment.

Furthermore, the processes described using flowcharts and sequence diagrams in this specification do not necessarily have to be performed in the order shown. Some processing steps may be performed in parallel. Furthermore, additional processing steps may be employed, and some processing steps may be omitted.

The series of processes performed by each device described herein may be implemented using software, hardware, or a combination of software and hardware. The programs that make up the software are stored in advance, for example, on a recording medium (more specifically, a non-transitory storage medium readable by a computer) that is provided inside or outside each device. Each program is then loaded into RAM when executed by a computer that controls each device described herein, and executed by a processor such as a CPU. Examples of such recording media include magnetic disks, optical disks, magneto-optical disks, and flash memory. Furthermore, the computer programs may be distributed, for example, via a network, without using a recording medium.

REFERENCE SIGNS LIST 1 Cash processing device 11 Banknote deposit/withdrawal port 19 Coin deposit/withdrawal port 22 Foreign object return port 100 Control unit 110 Operation display unit 120 Reading unit 130 Communication unit 140 Cash processing unit 142 Banknote processing unit 144 Coin processing unit 160 Memory unit 2 Customer operation terminal 200 Control unit 210 Operation display unit 220 Communication unit 230 Memory unit 3 Control server 300 Control unit 301 Alive status monitoring unit 302 Connection control unit 303 Transaction control unit 310 Communication unit 320 Memory unit 4 Accounting server 5 Network 6 Printer 8 Operator operation terminal 800 Control unit 810 Operation display unit 820 Communication unit 830 Memory unit

Claims (6)

a customer operation terminal operable by a customer;
an output terminal that outputs transaction response information corresponding to the transaction content input to the customer operation terminal;
a cash processing device that reads the transaction correspondence information output by the output terminal and processes cash based on the transaction correspondence information;
an operator operation terminal operable by an operator who provides services related to the cash processing device to the customer;
Equipped with
The cash processing device includes:
When the same transaction correspondence information as the transaction correspondence information that has been read in the past is read, the cash processing based on the transaction correspondence information is temporarily stopped ;
When the same transaction correspondence information is read in another cash processing device while cash processing according to the read transaction correspondence information is being executed, the cash processing being executed is temporarily stopped;
When the same transaction correspondence information is read in the other cash processing device while the cash processing device is processing cash according to the transaction correspondence information read, the operator-operated terminal outputs a second message including information indicating the cash processing device and information indicating the other cash processing device;
The second message is a message to assist the operator in resuming cash transactions of authorized customers or to prompt the operator to remove fraudulent customers.
Cash handling system. When the cash processing device reads the transaction correspondence information that is the same as the transaction correspondence information that has been read in the past, the operator operation terminal outputs a first message including information indicating the cash processing device.
The cash handling system of claim 1 . The cash handling system further includes a control server that stores the transaction correspondence information, information indicating whether the transaction correspondence information has been read, and information indicating the cash processing device that has read the transaction correspondence information, in association with each other;
The control server controls whether or not to execute cash processing based on the transaction correspondence information read by the cash processing device based on stored information.
3. A cash handling system according to claim 1 or 2 . When the cash processing device reads the transaction correspondence information, the cash processing device transmits the read transaction correspondence information to the control server,
The control server
If the received transaction correspondence information has not been read, a request to execute cash processing based on the transaction correspondence information is sent to the cash processing device that read the transaction correspondence information;
When the received transaction correspondence information has been read, a request to temporarily stop cash processing based on the transaction correspondence information is sent to one or more of the cash processing devices that have read the transaction correspondence information, and information indicating the one or more cash processing devices that have read the transaction correspondence information is sent to the operator operation terminal.
The cash handling system of claim 3 . a cash processing device that reads transaction correspondence information corresponding to transaction details input into a customer operation terminal that can be operated by a customer, and processes cash based on the transaction correspondence information;
When the same transaction correspondence information as the transaction correspondence information that has been read in the past is read, control is performed to temporarily suspend cash processing based on the transaction correspondence information;
When the same transaction correspondence information is read in another cash processing device while cash processing according to the read transaction correspondence information is being executed, control is performed to temporarily suspend the cash processing being executed;
an operator operation terminal operable by an operator who provides services related to the cash processing device to the customer;
When the same transaction correspondence information is read in the other cash processing device while the cash processing device is processing cash according to the transaction correspondence information read, control is performed to output a second message including information indicating the cash processing device and information indicating the other cash processing device;
Including,
The second message is a message to assist the operator in resuming cash transactions of authorized customers or to prompt the operator to remove fraudulent customers.
Control method. a cash processing device that reads transaction correspondence information corresponding to transaction details input into a customer operation terminal that can be operated by a customer and processes cash based on the transaction correspondence information , and a computer that controls an operator operation terminal that can be operated by an operator who provides services related to the cash processing device to the customer ;
The cash processing device,
When the same transaction correspondence information as that which has been read in the past is read, control is performed to temporarily suspend cash processing based on the transaction correspondence information;
When the same transaction correspondence information is read in another cash processing device while cash processing according to the read transaction correspondence information is being executed, control is performed to temporarily suspend the cash processing being executed;
When the same transaction correspondence information is read in the other cash processing device while the operator-operated terminal is processing cash in accordance with the transaction correspondence information read by the cash processing device, the operator-operated terminal controls the terminal to output a second message including information indicating the cash processing device and information indicating the other cash processing device .
Functioning as a control unit ,
The second message is a message to assist the operator in resuming cash transactions of authorized customers or to prompt the operator to remove fraudulent customers.
program.