JPS589980B2 - automatic teller device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic teller machine, and more particularly, to an automatic teller machine that centralizes and processes cash (money) and its amount data in a unified manner in the distribution industry and the banking industry.

BACKGROUND ART Conventionally, in the distribution industry such as supermarkets and department stores, cash payments made by customers are managed using electronic cash registers (hereinafter referred to as ECRs), which are transaction terminals installed at each sales floor.

When using this ECR to exchange cash with a customer, as shown in FIG. 1, the business begins by receiving change reserves from the teller before the store opens.

If the store runs out of change during business hours, the clerk takes the high-value banknotes to the teller's office and exchanges them.

In addition, after the business hours, the staff will collect the sales proceeds (including change reserve).
and the total sales amount (transaction amount) printed on the receipt to the teller.

The teller checks whether the sales amount for that day matches the sales data based on the received cash and its data and the change reserve data lent before the store opens.

Then, the teller totals the sales amount and sales data for each sales area, and calculates the total sales amount for that day.

As described above, in the past, the teller had to calculate the cash and sales data of the day's sales amount after the store closed, which was problematic in that it was easy to make mistakes and required a lot of effort and time.

Therefore, this invention not only mechanizes the above-mentioned accounting, but also
To provide an automatic teller/disbursement device capable of centrally managing transaction amounts, withdrawal amounts, and cash related to transaction amounts and disbursements in a transaction terminal.

To summarize, the present invention can be summarized as follows: The transaction amount,
The deposited amount and the withdrawn amount are stored in a storage means, and the transaction amount stored in the storage means corresponding to the identification information of the terminal is updated according to the transaction amount transmitted from the transaction terminal, and the transaction amount is automatically updated. The deposited amount and the withdrawn amount stored in the storage means based on the identification information input to the teller machine that performs the transaction, and the deposited amount identified by the teller machine and the withdrawn amount released from the teller machine, respectively. This is an automatic teller machine that is updated.

An example of a case where the present invention is used to manage the sales amount (an example of transaction amount) provided by the ECR will be described below.

FIG. 2 is a block diagram of an embodiment of the present invention.

In the configuration, a plurality of ECRs 11 to 1n, which are transaction terminals provided for each of a plurality of sales floors, are connected to a transmission control section 2.

The transmission control unit 2 transmits the sales amount for each customer given from the ECRs 11 to 1n to the central processing unit (hereinafter referred to as C) using a transmission method such as a polling method or a contention method.
PU) 3.

The CPU 3 is connected to the operating section 4 of the automatic teller machine.

The operation unit 4 is operated by the teller and consists of a keyboard 41 including a totaling command switch for having the automatic teller machine totalize the day's sales, etc., and a printer 42 for printing the totaled data. .

In addition, the CPU 3 includes a memory 5 that stores an accident file for determining whether a card that specifies any of the ECRs 11 to In described later is an accident card (such as a card on which a regular cash register number is not recorded). A memory 6 for storing a data file (described in detail in FIG. 3 below) and a CPU 3 are used to control the control unit 2, operation unit 4, memory 5, memory 6, and teller machine 8 (described later). and a memory 7 for storing programs for.

Further, a teller machine 8 is connected to the CPU 3.

The teller machine 8 includes a card reader 81 as an input means for reading the register number (an example of identification information) recorded on the card corresponding to the ECRs 11 to 1n, and a banknote reader 81 for identifying the denomination of the deposited banknote. A recognition machine 82, a coin recognition machine 83 for identifying the denomination type of deposited coins, a bill discharge machine 84 for dispensing banknotes, a coin dispensing machine 85 for dispensing coins, and a coin dispensing machine 85 for dispensing coins. It consists of a slip issuing machine 87 that issues slips, and a keyboard 86 that has a change switch operated by a sales clerk and an exchange switch that specifies the exchange amount for each denomination.

Note that the above-mentioned cash register number is an abbreviation for cash register number.

FIG. 3 is a diagram for explaining data files stored in the memory 6.

In the figure, the memory 6 includes an area 61 for storing transaction data of each of the ECRs 11 to 1n, and an area 61 for storing transaction data of each of the ECRs 11 to 1n.
A deposit amount area 62 that stores the total amount deposited from the sales staff of 1n, and an area 6 that stores the amount withdrawn to the sales staff.
3, and an area 64 for storing the exchange amount.

To be more specific, the area 61 includes a register number storage area 61a for storing the unique identification information of F and CR 11, an area 61b for storing the reserve amount for lending change reserves to ECR 11 before the start of business, and An area 61c where data by denomination (amount or number of coins) can be stored, an area 61d where a private information flag specifying that the reserve amount has been paid, an area 61e where the sales amount is stored, and an area 6 where the deposit amount is stored.
1f, an area 61g for storing the amount on hand, and an area 61n for storing the amount exchanged by card.

In the region 61, regions similar to the regions 61a to 61n are also provided for the other ECRs 12 to 1n.

Further, the area 62 includes an area 62a for storing the total deposited amount and an area 62b for storing subtotals for each denomination.

The area 63 includes an area 63a for storing the total withdrawal amount and an area 63b for storing subtotals for each denomination.

The area 64 stores the amount of money exchanged in cash.

Note that in the area 61, the register numbers corresponding to the ECRs 11 to 1n serve as addresses, and separate addresses are assigned to the areas for the deposit amount, withdrawal amount, and exchange amount.

4 to 8 are flowcharts for explaining the operation of an embodiment of the present invention, in particular, FIG. 4 shows the change reserve mode, and FIG. 5 shows the sales amount data transmission control mode. , Fig. 6A shows the exchange mode when exchanging banknotes, Fig. 6B shows the exchange mode when exchanging money with a card, Fig. 7 shows the sales proceeds collection mode when collecting the sales proceeds, Figure 8 shows the aggregation mode for aggregating transaction data.

Next, the specific operation of one embodiment of the present invention will be described with reference to FIGS. 2 to 8.

First, the reserve mode shown in FIG. 4 will be explained.

Before the start of business, the sales clerk records the cashier numbers of each of the ECRs 11 to 1n in advance and inserts the card into the card reader 81.

The card reader 81 reads the cash register number from the card
It is given to PU3 and stored in the buffer area of memory 6.

The clerk then operates the change button (switch) on the keyboard 86.

In response, the CPU 3 reads the accident file from the memory 5 and determines whether the card is an accident card.

If it is an accident card, issue a card collection command to card reader 81.
and collect the card.

If the accident card is thrown, the data file in the memory 6 is addressed using the register number stored in the buffer area, the personal information flag is read from the area 61d of the corresponding register number, and the logic is judged to determine whether or not the reserve has been paid. Detect.

If the reserve fund has been paid, the card is returned to the clerk, and if the reserve fund has not been paid, a logic "1" is stored in the personal information flag 61d.

Furthermore, the CPU 3 stores the amount on hand area 6 for each cash register in the memory 6.
The reserve amount data is stored in the reserve amount area 61b and the reserve amount area 61b.

Further, the CPU 3 adds the reserve amount data (total and subtotal by denomination) in this case to the withdrawal amount total area 63a.

The CPU 3 then causes the card reader 81 to return the card.
The cash register number and reserve amount data are printed by the slip issuing machine 87.

Further, based on the data by denomination in the area 61c, the CPU 3 causes the bill dispensing machine 84 to discharge a bill if the reserve is a banknote, and causes the coin dispensing machine 85 to discharge hardening if the reserve is a coin.

Next, referring to FIG. 5, a sales mode in which sales data given by the ECRs 11 to 1n is stored in a data file in the memory 6 will be described.

An employee at each sales floor inputs the price data of the products purchased by the customer by operating the keyboard of the ECR 11, for example.

Then, when you operate the total key included in ECR11,
The customer's unit price and total amount for each product are printed on the receipt.

Furthermore, the amount paid by the customer, ie, sales amount data, is provided from the ECR 11 to the CPU 3 via the transmission control section 2.

In response, the CPU 3 reads the sales amount data 61e from the storage area 61 of the register number corresponding to EcRll in the memory 6.

Then, the CPU 3 adds the sales amount data paid by the customer and the sales amount also read out from the area 61e, and stores the data in the area 61e again.

Furthermore, the CPU 3 reads the amount-on-hand data from the area 61g.

Then, the on-hand amount data and the sales amount data are added and stored in the area 61g again.

In this way, when any of the ECRs 12 to 1n is operated, transaction data is stored in the storage area 61 of the memory 6 corresponding to the register number corresponding to the ECH, similarly to the case of the ECR 11.

Next, with reference to FIG. 6A, a description will be given of an exchange mode in which money of one denomination is exchanged for money of another denomination when the ECH's change reserve runs out.

For example, take out the desired currency you want to exchange from the cash stored in the ECR 11, insert the bill into the bill validator 82 when exchanging banknotes, and insert it into the coin validator 83 when exchanging coins. Insert coins.

Accordingly, the bill validator 82 or the coin validator 83 identifies the inserted coin.

The clerk then operates a currency exchange switch included in the keyboard 86 to specify how much money to exchange and into which denomination.

Accordingly, the CPU 3 operates the bill validator 82 or the coin validator 8.
The amount read in step 3 is compared with the amount data to be exchanged from the keyboard 86, and if the inserted currency and the amount specified for exchange are the same amount, exchange is performed from the bill dispenser 84 or coin dispenser 85. Release money.

Furthermore, the CPU 3 is a banknote validator 82 or a coin validator 8.
3, the data by denomination of the deposited amount is stored in the deposited amount area 62b by denomination of the memory 6, and the subtotal of the deposited amount is stored in the total deposited amount area 62a.

Furthermore, the CPU 3 controls the bill dispensing machine 84 or the coin dispensing machine 8.
5, the denomination-specific data of the exchanged amount is stored in the denomination-specific withdrawal amount area 63b, and the subtotal of the exchanged amount is stored in the withdrawal amount total area 63a.

Furthermore, the data of the amount of money exchanged by the current cash injection is added to the exchange amount area 64 and stored.

In this way, when a sales floor clerk exchanges money, only the deposit data by denomination, the withdrawal data by denomination, and the exchange amount data in the data file are updated.

Next, with reference to FIG. 6B, the exchange mode when exchanging money using a card will be described.

When exchanging money using a card, the clerk inserts the card into the card reader 81.

In response, the card reader 81 reads the register number from the card and provides it to the CPU 3.

Then, the clerk operates the keyboard 86 to specify the denomination of the desired amount of money to be exchanged.

The CPU 3 activates the bill dispensing machine 8 based on the specified exchange denomination.
4 or the coin ejection machine 85 also ejects exchange coins.

Furthermore, the CPU 3 calculates the total exchange amount paid out,
The paid-out amount data by denomination type is added to the paid-out amount area 63b by denomination type of the data file, and the paid-out amount is added to the area 63a.

Furthermore, the exchange amount data paid out by the current card is added to the exchange amount area 61n and the on-hand amount area 61g of the data file corresponding to the cash register number read from the card.

Next, with reference to FIG. 7, a sales proceeds collection mode for collecting sales proceeds after business hours will be described.

Each sales floor clerk collects the day's sales proceeds from one of the ECRs 11 to 1n in his or her own sales floor, inserts the card into the card reader 81, and then inserts the collected sales proceeds into the bill validator 82 or coin validator 83. .

Accordingly, the card reader 81 reads the register number from the card, and also reads the bill validator 82 or coin validator 83.
identifies the amount of sales proceeds and provides it to the CPU 3.

Then, the CPU 3 calculates the total amount of money received as sales proceeds.

The clerk then operates the deposit key on the keyboard 86 to instruct the deposit.

In response, the CPU 3 adds and stores the sales proceeds data by denomination in the deposited amount area 62b by denomination, and the deposited subtotal in the area 62a.

Furthermore, the CPU 3 adds the deposited amount data as the sales amount to the deposited amount area 61f of the data file corresponding to the cash register number read from the card, and also adds the deposited amount data as the sales amount to the amount on hand area 61f.
Subtract the deposit amount data from 1g.

Therefore, the deposit amount area 61f corresponding to each ECR 11 to 1n of the data file contains each ECR of the day.
The deposited amount data corresponding to the sales proceeds, change reserve, and cash as exchange money of ECRs 11 to 1n are stored, and the total deposited amount areas 62a and 62b contain data for all ECRs 11 to 1.
The total deposited amount data corresponding to the sales proceeds, change reserve, and exchange money from n will be stored.

Note that the collection of sales proceeds is not limited to the end of business, but may be collected several times during the business.

Next, referring to FIG. 8, an explanation will be given of the aggregation operation mode for aggregating the day's sales data and the like.

A teller operates a tally switch included in the keyboard 41.

In response, the CPU 3 reads out the day's sales total data stored in the total deposit amount by denomination area 62a of the database file and the data by denomination in the area 62b by denomination, and prints it on a printing paper by the printer 42. let

Furthermore, data on the amount of money paid out for currency exchange on that day is read from the total amount of money withdrawn area 63a and data by denomination from the money type-specific money area 63b, and the data are printed by the printer 42.

Thereafter, the exchange data in the exchange amount area 64 is read out and printed.

Furthermore, a reserve amount area 61b by cashier number, an area 61c by denomination type, a personal information flag 61d, a sales amount area 61e, a deposit amount area 61f, an amount in hand area 61g, and an exchange amount area 61n.
Each data is read out and printed.

After the CPU 3 finishes printing the data, it stores the data file in the memory 6 in the area 61a.

Clear all but 61b and 61c.

In addition, the relationship between each data tabulated and printed as described above is as follows.
The relationship is as follows.

However, it is assumed that the personal information flag is set to "1", and the reference code of the area is 1 representing the amount of money stored in that area.

[By cash register number]

61f=61b+61e+61n 61g=0 [By total] In addition to the above-mentioned embodiments, the present invention includes the following embodiments.

(1) The identification information (the above-mentioned cashier number) determined for the transaction terminal may be input using a keyboard instead of a card.

(2) The number of teller machines may be provided depending on the number and arrangement of transaction terminals.

(3) Transaction terminals do not have identification information set for each one,
Identification information may be determined by grouping.

For example, if there are five ECRs in a food department, it may be possible to group them and define one piece of identification information.

In this case, the items are grouped by department, such as clothing or electronics.

(4) A device that handles only either coins or banknotes may be considered, and only the necessary denominations may be considered.

(5) When the change reserves are the same for all ECRs, separate storage areas 61b, s, and 61c are not necessary, and they only need to be stored in one location.

Also, if you prepare change only at the start of the day,
The change button of the above-mentioned embodiment may be abolished, and the private information flag in the memory 6 may be checked when the card is inserted, and if the flag does not indicate personal information, the system may automatically operate in the reserve mode.

(6) In the denomination-specific memories 61c, 62b, and 63b, quantities (number of coins) may be stored instead of amounts.

(7) If multiple preparations of change are allowed, personal information flag 6
The number of times is stored in 1d, and change can be prepared up to a predetermined number of times.

In this case, the actual reserve amount is the result of multiplying the reserve amount in 61b by the number of times in 61d.

(8) Currency exchange may be limited to either card insertion or cash insertion.

(9) Store a secret number in the card or the storage area corresponding to the card, input the secret number when paying change reserves or currency exchange with the card, and pay out money only when these secret numbers correspond. You can do it like this.

00) An exchange denomination pattern may be recorded on the card, and when exchanging money by card, exchange money may be paid out according to the exchange denomination pattern.

(11) It is convenient to provide the teller machine 8 with a display such as a numeric display tube to display the deposit amount, withdrawal amount, etc.

・(1) It is convenient to use a machine that can input the bills all at once as the banknote validator 82 and coin validator 83 of the teller machine 8.

(13) The keyboard 41 and printer 42 of the operation unit 4 are not specially provided, but are the keyboard of the teller machine 8.

, 86 and the slip issuing machine 87.

In this case, the teller machine 8 performs the counting operation only when the first teller system that performs the counting inserts a special card into the card reader 81.

04) A slip may also be issued when exchanging money or depositing money.

α9 This invention can also be applied to banking systems.

At this time, the ECRs 11 to 1n of the above-mentioned embodiment, the teller machine 8
, memory 6, bank teller's machine,
It is convenient to provide a proof machine and a memory respectively, and to connect this memory to the terminal controller of each bank branch.

As a result, for banks, the transfer of deposits (equivalent to transactions) between customers and each teller's machine, and the transfer of cash (equivalent to cash disbursements) between each teller's machine and proof machine,
Both data and cash will be centrally managed.

As described above, according to the present invention, transactions involving the delivery of cash at a plurality of transaction terminals and transfers of cash between these transaction terminals and teller machines can be performed in a unified manner for both data and cash. The system can be managed in a unified manner, greatly reducing the burden on the teller, and significantly contributing to labor savings in the teller's work.

[Brief explanation of drawings]

FIG. 1 is a diagram illustrating the conventional flow of cash and transaction data. FIG. 2 is a block diagram of an embodiment of the present invention. FIG. 3 is a diagram for explaining a data file in a memory included in an embodiment of the present invention. 4 to 8 are flowcharts for explaining the operation of an embodiment of the present invention, in particular, FIG. 4 shows the change preparation mode, FIG. 5 shows the sales amount data transmission control mode, Fig. 6A shows the exchange mode using cash, Fig. 6B shows the exchange operation mode using a card, Fig. 7 shows the sales proceeds collection mode, and Fig. 8 shows the totalization mode. electronic cash register,
3 is a central processing unit, 4 is an operation unit, 41°86 is a keyboard, 42 is a printer, 5 to 7 are memories, 8 is an automatic teller unit, 81 is a card reader, 82 is a banknote validator, 83 is a coin validator, 84 indicates a bill dispensing machine, 85 indicates a coin dispensing machine, and 87 indicates a slip issuing machine.

Claims (1)

[Scope of Claims] 1. A plurality of transaction terminals provided in each of a plurality of transaction departments, into which a transaction amount is input at the time of a transaction, a teller machine that automatically receives and receives money, and a plurality of The teller machine includes a transaction terminal and a storage device connected to the teller machine, and the teller machine includes: an input means for inputting identification information determined corresponding to the transaction terminal at the time of making a teller; a money recognition machine that accepts money related to a transaction and identifies the amount of money deposited; and a money discharge machine that discharges money of a requested amount to be withdrawn in connection with a transaction, and the storage device includes a plurality of The transaction amount, deposit amount, and withdrawal amount are stored in accordance with the identification information of each transaction terminal, and the transaction amount transmitted from the transaction terminal is stored in accordance with the identification information of the transaction terminal. The stored transaction amount is updated, and based on the identification information input to the teller machine, the deposit amount and the withdrawal amount stored corresponding to the identification information are the deposit amount identified by the teller machine and the deposit amount and the withdrawal amount are released from the teller machine. An automatic teller/payer device that is updated depending on the withdrawal amount.