JPH0324702B2 - - Google Patents

Description

[Detailed Description of the Invention] This invention automatically counts the deposit amount for each depositor by an unmanned deposit acceptance machine such as a night safe in a financial institution such as a bank, and calculates the deposit amount. Concerning the payment system to confirm.

Traditionally, banks have set up night safes so that they can accept deposits from customers such as merchants, even after the branch has closed or after the online automatic deposit machine has stopped operating, until the next morning when the bank opens. . However, in night safes, the deposit amount is not known at the time the customer inserts the deposit, and the depositor simply stuffs cash etc. into a bag, etc. lent to them by the bank in advance, and at the same time encloses a declaration form etc. of the deposit amount. , this is simply deposited into the night safe.
Then, at the store, the clerk opens the safe the next morning,
The bags are opened individually, the amount deposited inside is counted, and the amount is compared with the declared amount before the deposit is processed into the customer's deposit account. For this reason, the deposit processing method involves complicated work such as opening the bag, taking out the currency from inside, counting the quantity of each banknote and coin, and comparing it with the declared amount. At business offices located in shopping districts and the like, unmanned deposit acceptance machines of this type handle a large amount of deposits, so it takes a great deal of time to process them. SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide a payment system that can automatically check the customer's declared deposit amount and the currency count results in the processing of deposits in automatic deposit devices such as night safes.

This invention will be explained below.

In this invention, the deposit storage container lent to the customer in advance is replaced with a conventional bag and is a regular container such as a rectangular parallelepiped. A storage device for storing data and a display device for displaying the input data are provided, and reading means for reading out the data in the storage device to the outside is provided, and the coins in the deposit container taken out from the unmanned deposit acceptance machine are provided. A storage container adjustment device that performs aggregation calculations for each storage container is provided, and when the deposit storage container is attached to this storage container adjustment device, the deposit storage container is automatically unlocked, and banknotes and coins are automatically transferred to the counting device. At the same time, the data in the storage device provided in the deposit storage container is read through a reading means and compared with the above-mentioned counting results.

FIG. 1 is an external view showing an example of the payment system of the present invention, in which the automatic banknote deposit machine 1 classifies and counts banknotes automatically taken out from the installed deposit storage container 4 by denomination, and also sorts and counts banknotes by denomination. The automatic coin deposit machine 2 classifies and counts the coins automatically taken out from the deposit storage device 4 by denomination, and temporarily stores the coins by denomination. It was later stored in the safe. Further, when the deposit storage container 4 reaches a predetermined position in the device, the automatic currency conveyance drive device 3 opens the side surface of the deposit storage container 4 and discharges the coins and banknotes stored inside the container. are conveyed to the automatic deposit machine 1 or 2, respectively. Furthermore, the deposit storage container 4 is located on the right side of the automatic currency transport drive device 3 or on the automatic banknote deposit machine 1.
By setting a large number of coins on the upper part of the coin as shown in the figure, the coins are sequentially sent to the automatic coin transport drive device 3, and after being discharged from the container 4, they are discharged to the left.The terminal 5 is connected to a keyboard,
It is equipped with terminal devices such as CRT and floppy disk devices. The printer 6 is configured to print out settlement data such as total data for each deposit storage container 4 and amount data by denomination.

On the other hand, FIG. 2 shows details of the box-shaped deposit storage container 4, and the box-shaped deposit storage container main body 401 has a coin storage section 402 for storing coins and a bill storage section for storing banknotes. 403
An opening 404 is provided on the side of the main body 401 for discharging the coins in the container 4, and a sliding lid 405 is normally locked by a locking mechanism (not shown). The opening 404 is automatically unlocked within the automatic currency transport drive device 3 to open the opening 404. In addition, the opening 406A~
406D is a sliding lid 4 with a bill supporting fork which will be described later.
05 is inserted into the bill storage section 403 prior to opening. A lid 407 that can be opened and closed is provided at one end of the upper part of the main body 401, and a lid 407 is provided on the inner surface of the main body 401 for holding stored banknotes to the bottom of the banknote storage section 403 when the lid 407 is closed. Presser foot springs 408A and 408
B is attached, thereby creating a gap between the lid 407 and the banknote surface to allow insertion of the banknote support fork into the openings 406A-406D. The openings 406C and 406D are formed in the shape of a groove over a predetermined length at the bottom of the banknote storage section 403, so that even if the banknote support fork is inserted, it will not collide with the stored banknotes. Furthermore, a liquid crystal display 409 is provided on the inner surface of the lid 407 to display and confirm customer data entered using a keyboard 410. A connection terminal 411 for an interface is provided,
When the lid 407 is closed, it is connected to an external terminal at a predetermined position within the transport drive device 3.

Next, the configuration of the banknote conveyance mechanism in the automatic currency conveyance drive device 3 will be explained with reference to FIG. 3
03, 304 and is transported. Further, the banknote support fork 305 consisting of a pair of U-shaped members is inserted into the deposit storage container 4 as shown in the figure before the sliding lid 405 of the deposit storage container 4 is opened, and then the bill support fork 305 is When the lid 405 is opened, the banknotes 41 stored in the storage section 403 are removed.
2 is transferred to this support fork 305. Then, the bill supporting fork 305 descends (in the D direction) while holding the bill, and enters the state 305A. However, the banknote receiving parts 307A to 307C are arranged at the lowering part of the support fork 305, and these banknote receiving parts 307A to 307C are arranged at positions where there is no problem in crossing the banknotes when the banknote support fork 305 moves.
07C is integrally supported, and when the bill supporting fork 305 descends to the 305A position, the held bill 412 is transferred to the bill receiving portions 307A to 307.
It is transferred to the bottom of C and placed. After the banknote 412 is transferred to the banknote receivers 307A to 307C, when the banknote support fork 305 descends to the 305A position, the banknote receivers 307A to 307C move in the lateral direction S and reach positions 307A' to 307C'. After that, he fell in the R direction shown in the figure, and finally landed at 307.
Positions A″ to 307C″. A bill pusher 308 consisting of a pair of L-shaped members is attached to the bill receiving portion 3.
07A~307C are 307A''~307 respectively
When in the C'' position, the banknotes held inside are pushed in the P direction and moved to the banknote loading section of the automatic banknote deposit machine 1. In this case, the rollers provided in the banknote loading section 309,310
Bills are taken in one by one.

FIG. 4 shows the data processing circuit 4 in the deposit storage container 4.
00, a microprocessor unit (MPU) 420 performs overall control, and this MPU 420 includes a ROM 42.
1 and RAM421 are connected, and ROM4
21 stores a program for controlling the operation of the MPU 420, and the RAM 422 is used as a temporary memory for the program and a data memory.
Further, the power supply circuit 423 is connected to a battery 424 and supplies necessary power to each device of the data processing circuit 400. Further, the above-mentioned keyboard 410 and liquid crystal display 409 are connected to the data processing circuit, and the interface 425 receives a data read command from the outside via the connection terminal 411, and reads data in the RAM 422 by this read command. It is now possible to send information to the outside.

On the other hand, FIG. 5 shows the control system of the entire payment system, in which a microprocessor unit (MPU) 10 performs overall control, and the keyboard 11, CRT display 12, and floppy disk of the terminal 5 are controlled. Disk device 13
are connected to each other, and the printer 6 and a communication interface 14 with external equipment are also connected to each other. Further, 15 is an interface with a data processing circuit 400 in the deposit storage container 4, and a drive circuit 300 in the automatic currency transport drive device 3 is connected to the MPU 10 via an interface 16.
Further, the bill automatic teller machine 1 is controlled by a control device 18, and the coin automatic teller machine 2 is controlled by a control device 19, and these control devices 18 and 19 are connected via an interface 17.
It is connected to the MPU 10, and the MPU 10 is connected to a ROM 20 that stores programs for control operations, and a RAM 21 that is used as a temporary memory for programs and a data memory.

In such a configuration, the customer stores banknotes, coins, etc. to be deposited in a deposit storage container 4 lent in advance by a bank or the like, and inserts this container 4 into the container insertion opening of the unmanned deposit acceptance machine. When using the deposit container 4, the lid 407 is opened as shown in FIG. 2, and deposit data and the like are input by operating the keyboard 410 while looking at the display on the liquid crystal display 409. The deposit data etc. input in this way are stored in the RAM 422 via the MPU 420.
The banknotes and coins corresponding to the input data are stored in the storage unit 40.
2,403, close the lid 407 and lock it. The customer inserts the deposit container 4 into which the deposit has been deposited into the container insertion slot of an unmanned deposit acceptance machine at a bank or the like. At a bank or the like, the deposit storage containers 4 inserted into the unmanned deposit acceptance machine are collected, these containers are loaded into a predetermined position of the settlement device, and an instruction to start settlement is inputted using the keyboard 11 of the terminal 5. This allows conveyor belt 3
01 and 302 by a predetermined amount in the direction n in FIG. At this time, the connection terminal 411 for the external interface in the container 4 is automatically connected to the corresponding connection terminal on the payment device side, and the data processing circuit 400 in the container 4 and the control system are connected to the interface 425. ，
14.

Next, the banknote supporting fork 305 is inserted into the openings 406A to 406D of the deposit storage container 4, and the third
It moves to position 305 in the figure, and in this state the sliding lid 405 of the deposit storage container 4 is automatically opened. When the sliding lid 405 is opened in this way, the coins in the coin storage section 402 of the deposit storage container 4 are transferred to the coin automatic deposit machine 2 by an appropriate coin receiving bucket, coin transfer conveyor, etc.
Transported to Hotupa. And deposit storage container 4
The banknotes 412 inside are transferred to the banknote support fork 305 when the sliding lid 405 is opened, and the banknotes 412
The banknote supporting fork 305 holding the
It descends in the direction and moves to position 305A. At this time, the banknotes held by the support fork 305 are transferred to the banknote receivers 307A to 307C. In this way, the banknote supporting fork 305
When moving to position A, bill receiving sections 307A to 307
C moves in the direction S shown in the figure and moves from 307A' to 307
This will be the C′ position. There are 3 bill receiving parts 307A to 307C.
When reaching the positions 07A' to 307C', the banknote receivers 307A' to 307C' fall in the R direction,
The state will be at positions A″ to 307C″. There are 3 banknote holders
When the banknote pusher 308 reaches the positions 07A'' to 307C'', the banknote pusher 308 pushes the banknotes in the banknote receiving section in the P direction and transfers them toward the banknote insertion slot of the automatic banknote deposit machine 1.
It stops at position 8A, but this position is the position where the automatic banknote deposit machine 1 takes in one banknote, and when the banknote reaches this position, the automatic banknote deposit machine 1 automatically starts and the banknotes are removed by the rollers 309, 310, etc. The capture of one sheet is started. The banknotes and coins loaded into the banknote automatic teller machine 1 and the coin automatic teller machine 2 are classified and counted, and then temporarily stored in a holding section according to their respective denominations.Then, the banknotes and coins loaded into the banknote automatic teller machine 1 and the coin automatic teller machine 2 are stored in a temporary holding section according to their respective denominations. When the data matches, each item is taken into the safe.

Meanwhile, the deposit storage container 4 is transferred to the unlocking device section, and the connection terminal 411 for the interface of the container 4 is transferred to the unlocking device section.
is connected to the connection terminal in the settlement device, the MPU 10 of the settlement device instructs the MPU 420 of the deposit storage container 4 to transfer data such as the customer transaction number and deposit amount statement in the RAM 422, and responds to this instruction. In response, MPU 420 transfers the data in RAM 422 to MPU 10 via interface 425. The MPU 10 stores the data in a predetermined area of the RAM 21, and then the MPU 10 sends the drive circuit 300 in the automatic transport drive device 3 via the interface 16 to transport coins and banknotes to the automatic deposit machines 1 and 2. Command the drive. Then, when the banknotes and coins are transported to automatic deposit machines 1 and 2,
MPU10 is the control device 18 for automatic deposit machines 1 and 2.
and 19 to start classifying and counting each currency. As a result, the automatic coin deposit machine 2 and the automatic banknote deposit machine 1 classify and count the coins loaded in their respective coin loading sections, and control devices 18 and 19
transfers the counting data to the MPU 10 by denomination, and the counted coins are temporarily held in the temporary holding sections of automatic deposit machines 1 and 2, respectively, and transferred to the MPU 10.
receives the counting data and stores it in the area of RAM 21 corresponding to the customer transaction number. after that.
The MPU 10 stores two data corresponding to this customer transaction number, that is, the RAM 42 in the deposit storage container 4.
The deposit data (amount of money) of the customer transferred from 2 is compared with the amount of money counted by the automatic banknote deposit machine 1 and the automatic coin deposit machine 2. As a result of matching, when both data match,
MPU10 is the control device 18 for automatic deposit machines 1 and 2.
At the same time, this deposit amount data is stored in the depositor-specific and total areas in the RAM 21. In this way, when the control devices 18 and 19 receive the matching signal,
The automatic deposit machines 1 and 2 each take in money held in a temporary storage section into a deposit box by denomination. Furthermore, if the verification results do not match, the MPU 10 generates an error signal to stop automatic payment.

When the settlement of money in one deposit storage container 4 is completed as described above, the MPU 10 instructs the drive circuit 300 of the automatic conveyance drive device 3 to close the sliding lid 405, and then discharges the empty container. At the same time, the drive systems of conveyor belts 301 and 302 are commanded to move the next deposit storage container to the unlocked position. In this way, all deposit storage containers 4
When the automatic settlement is completed, the MPU 10 prints out the transaction details for each customer, the total amount by denomination, the total amount, etc. of all deposit storage containers via the printer 6, and also prints out the data on the floor for updating the ledger of the center computer. Tupee disk device 13
Write floppy disk data for batch processing via .

As described above, according to the payment system of the present invention, it is possible to completely automatically verify the money in the deposit storage container, and the manpower required for these operations can be greatly reduced, thereby making it possible to compare the money in the deposit storage container completely automatically. It has a remarkable effect compared to using a money counting machine or the like.

[Brief explanation of the drawing]

FIG. 1 is an external view showing an embodiment of the present invention, FIG. 2 is a structural diagram showing an example of a deposit storage container used in the present invention, FIG. FIG. 4 is a block diagram showing an example of the data processing circuit in the deposit storage container, and FIG. 5 is a block diagram showing an example of the control system of the payment system of the present invention. DESCRIPTION OF SYMBOLS 1...Automatic banknote deposit machine, 2...Automatic coin deposit machine, 3...Automatic currency conveyance drive device, 4...Deposit storage container, 5...Terminal, 6...Printer, 1
0...MPU (microprocessor, CPU), 11
...Keyboard, 12...CRT display,
13... Floppy disk device, 14-17...
...Interface, 18, 19...Control device, 2
0...ROM, 21...RAM, 300...drive circuit, 301, 302...conveyor belt, 30
3,304...Hook, 305...Banknote support fork, 307A-307C...Banknote receiver, 308
...Banknote Pushya, 309,310...Rolla,
400...Data processing circuit, 401...Deposit storage container body, 402...Coin storage section, 403...Banknote storage section, 404...Opening section, 405...Sliding lid, 406A to 406C...Opening, 407 ……
Lid, 408A, 408B...Banknote holding spring, 40
9...Liquid crystal display, 410...Keyboard, 41
1... Connection terminal, 420... MPU (microprocessor, CPU), 421... ROM, 422...
RAM.

Claims (1)

[Claims] 1. A deposit storage container consisting of a storage section for storing banknotes and coins, a lid for opening and closing this storage section, an input means for inputting deposit data, and a display storage section for displaying and storing input data, etc. automatic deposit machine,
It is attached to a payment device consisting of an automatic coin deposit machine, an automatic coin transport drive device, a terminal that performs necessary input, display, and storage control, and a printer that prints out the required data, and stores the deposit storage container. The data is transferred and stored in the storage section of the settlement device, and the currency in the storage section is automatically conveyed to the bill automatic deposit machine and the coin banknote automatic deposit machine for classification and counting, and the counting data is transferred to the settlement device. A settlement system for an unmanned deposit acceptance machine, characterized in that the two stored data are transferred and stored in a storage section and collated.