JPH0654515B2 - Automatic deposit device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial field of application] The present invention relates to an automatic depositing device used in a financial institution such as a bank, which takes in a card or a passbook and conducts a deposit transaction according to an operation guide. The present invention relates to an automatic depositing device capable of knowing down a depositing transaction when the depositing transaction is abnormal.

[Conventional technology]

Conventionally, various types of automatic depositing apparatuses of this type have been put into practice, and for example, there is one shown in FIG.

FIG. 7 is a sectional view showing the internal structure of a conventional automatic transaction machine.

In the figure, reference numeral 1 is a housing of an automatic transaction machine. Inside the housing 1,
An automatic depositing device and an automatic dispensing device are configured by the components described below.

First, reference numeral 2 denotes a bill insertion / reception unit for a customer or the like to insert or receive bills, which is located inside an opening having a shutter provided in the upper part of the apparatus housing 1.

Reference numeral 3 denotes a separating / feeding unit provided directly below the bill insertion / reception unit 2, which has a suction drum 4. The bills transferred from the bill insertion / reception unit 2 are suction-separated by the suction drum 4 one by one. It is designed to be delivered.

Reference numeral 5 is a bill validator that includes an optical sensor, a magnetic sensor, a discrimination circuit, and the like (not shown), and performs authenticity discrimination of bills conveyed from the separating / feeding unit 3, unfit bill discrimination, and denomination discrimination of deposit and withdrawal bills. Section, 6 and 7 are impellers, 8 is a genuine bill temporary storage section provided above one impeller 6, and 9 is the other impeller 7
The counterfeit bills are temporarily stored in the false bill temporary storage unit by the impeller 6 and are provided on the upper side in the device housing 1. The bills are discriminated from the genuine bills by the discrimination unit 5. The banknotes that have been stacked on the banknote 8 and have been discriminated from the counterfeit banknotes are stacked on the counterfeit banknote temporary storage section 9 by the impeller 7.

10 is a 1,000-ticket safe that stores 1,000-yen banknotes, 11 is a 10,000-ticket safe that stores 10,000-yen banknotes, 12 is an unfit banknote safe that stores deposited banknotes that have been discriminated as unfit banknotes by the discrimination unit 5, and 13 is a withdrawal banknote. At times, these are arranged in the lower part of the device housing 1 in a recycle safe that stores banknotes that have been determined to be defective by the denomination discrimination by the discriminating unit 5 or the detection of two sheets by a sensor (not shown).

Impellers 14, 15 and 16 are respectively arranged on the safes 10, 11 and 12, and these impellers 14 to 16 are provided.
Thus, the banknotes are accumulated and stored in the cash boxes 10 to 12.

Reference numeral 18 denotes a suction drum that sucks and feeds bills one by one from the thousand-ticket safe 10, and this suction drum 18 is provided in combination with the impeller 14, and 19 denotes bills from the banknote safe 11. Is a suction drum for suction-separating and feeding one by one, and the suction drum 19 is provided in combination with the impeller 15.

Reference numeral 20 denotes a conveyance path connecting the respective constituent elements, and the conveyance path 20 is constituted by a conveyance roller that conveys a bill, a conveyance belt, and a switching blade that switches the conveyance direction of the bill.

Next, the operation of the automatic depositing apparatus having the above-described configuration will be described. First, after the deposited banknotes that have been collectively inserted by the customer into the banknote depositing / receiving section 2 are passed to the separating / feeding section 3, the suction of the separating / feeding section 3 is performed. The sheets are separated and fed one by one by the drum 4, and are sent to the discriminating unit 5 through the conveying path 20. The discriminating unit 5 performs authenticity discrimination, denomination discrimination, counting, etc. The bills are sent to the impeller 7 through the conveying path 20 and are sequentially accumulated in the counterfeit bill temporary storage unit 9 by the impeller 7.

In addition, the bills discriminated as genuine bills by the discriminating unit 5 are sent to the impeller 6 through the conveying path 20, and are accumulated in the serious temporary storage unit 8 by the impeller 6.

In this way, after all the inserted banknotes are stored in the temporary storage sections 8 and 9 according to their authenticity, the total amount of banknotes that can be deposited, that is, genuine banknotes, is displayed by a display means (not shown). At the same time, the banknotes of the counterfeit banknotes stored in the counterfeit banknote temporary storage section 9 are collectively sent to the banknote insertion receiving section 2 by the transport path 20 and returned to the customer from here.

Here, the customer determines whether or not to approve the execution of the deposit transaction, and gives an approval or non-approval instruction by an instruction means (not shown).

In the case of approval by this instruction, the genuine bills stored in the genuine bill temporary storage unit 8 pass through the counterfeit bill temporary storage unit 9 and the conveyance path 2
0 are collectively sent to the bill insertion / receipt section 2 and passed from here to the separation / feed section 3, and then are separated and fed one by one again by the suction drum 4 of the separation / feed section 3 to be conveyed to the conveyance path 20. Sent to the discrimination section 5.

In this way, the bill sent to the discriminating unit 5 again is discriminated as denominations and denominations in the discriminating unit 5, and then sent to the impellers 14, 15 or 16 by the conveying path 20 to these impellers. According to 14 to 16, they are stored in the 1,000-ticket safe 10, the 10,000-ticket safe 11, and the unfunded safe 12, respectively.

On the other hand, when the customer's instruction is not approved, the bills are collectively sent from the genuine bill temporary storage unit 8 through the counterfeit bill temporary storage unit 9 to the bill insertion / reception unit 2 by the transport path 20. Returned to the customer.

[Problems to be solved by the invention]

However, in the automatic depositing device with the above-mentioned configuration, when the deposit mechanism part fails due to a jam or the like on a holiday or at nighttime operation, it becomes impossible for the deposit transaction due to the absence of a bank employee. There was the problem of suffering a significant disadvantage.

Therefore, the present invention has been made in view of the above-mentioned problems, and an object thereof is to store a deposit banknote of a customer in the event of an abnormality in the deposit transaction on a holiday or night operation, and then perform the deposit transaction. Another object of the present invention is to provide an automatic depositing device which aims at know-how of deposit transaction.

[Means for solving problems]

In order to achieve this object, the present invention reads data identifying a customer from a customer's passbook, and a passbook entry machine for printing transaction data on the passbook, and data identifying the customer from a customer's card. , An automatic depositing device including a card reading / writing unit for writing data associated with a transaction, an input unit for inputting data required by a customer for a transaction, and a deposit mechanism unit for processing deposit cash deposited by the customer In, a cash storage unit having a plurality of storage chambers for storing cash separately for each storage chamber, at least data for identifying the storage chamber of this cash storage unit, data for identifying the customer, and When the memory for storing the deposit amount data of the customer, the deposit certificate issuing means for issuing the deposit certificate, and the deposit transaction impossible due to the failure of the deposit mechanism section,
The deposit cash entered by the customer at the request of the customer is stored in the storage room of the cash storage unit, and the storage room data identifying the storage room storing the cash for deposit is pre-read data for identifying the customer and the Store in the memory together with the deposit amount data inputted by the customer by the input means,
The storage certificate issuing means is provided with a control means for controlling the customer to print the data specifying the customer and the deposit amount data on the storage certificate.

[Action]

According to the present invention having such a structure, when the apparatus is operated at night or on a holiday and the deposit transaction becomes impossible due to the failure of the deposit mechanism, the customer inputs it thereafter. A customer who stores the deposit cash in the deposit room of the cash deposit unit, and stores the deposit room data that specifies the deposit room that stores the deposit cash from the passbook or card of the customer by the passbook entry machine or the card reading / writing means. And the deposit amount data inputted by the input means by the customer are stored in the memory, and the deposit certificate issuing means prints and issues the data for identifying the customer and the deposit amount data on the deposit certificate. The control means controls as described above.

Therefore, according to this, at a later date, the cash stored in the storage room of the cash storage unit can be collated with the data stored in the memory, and the deposit process can be performed after confirmation, so that the failure of the deposit mechanism unit occurs. This makes it possible to make a temporary deposit transaction even when the deposit transaction is not possible, which is beneficial to both banks and customers.

〔Example〕

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a perspective view showing an external configuration of an automatic transaction machine including an automatic depositing device and an automatic dispensing device according to the present invention.

As shown in this figure, the operation unit 22 has a receiving slot 23.
In addition to the return port 24, the components 25 to 33 are provided.

That is, 25 is a passbook insertion / return opening for inserting and returning a deposit passbook, and a passbook entry machine is disposed at the back of the passbook insertion / return port.
When a passbook issued to a customer by a financial institution is inserted through the passbook insertion / return port 25 at the time of transaction, the customer such as an account number or a customer name is specified from a magnetic stripe provided in the passbook as well known. While reading the data, the transaction contents are recorded in the passbook, and when the transaction is completed, the passbook is returned from the passbook insertion return port 25 to the customer.

26 is a card insertion return port, and this card insertion return port 26
A card reader is provided in the back of the card so that when the customer inserts the card through the card insertion return port 26, the data written on the card can be read by the card reader.

Reference numeral 27 denotes a transaction status display section for selectively displaying the transaction contents currently specified in the transaction status display section 27, for example, "withdrawal", "entry to passbook", "payment" and the like.

Reference numeral 28 is a status display section for displaying the status of the apparatus, that is, the status of handling or discontinuation of use.

Reference numeral 29 denotes an operation guide display unit by CRT display, which sequentially displays the operation procedure, and the customer can operate each key described below according to the procedure displayed on the operation guide display unit 29.

In addition, the operation guidance display unit 29 can display a message indicating that a deposit transaction cannot be performed due to an obstacle in the deposit mechanism, and can also display a guidance that the banknote to be deposited is stored and its operation procedure. It is becoming like this.

A transaction selection key 30 is used to specify a deposit transaction or a payment transaction with the transaction selection key 30.
Is a ten-key pad, and this ten-key pad 31 is for inputting a personal identification number, a payment amount, or a storage amount when the deposit transaction becomes impossible.

Reference numeral 32 is a confirmation key which is pressed when the transaction such as deposit transaction is accepted or storage of the deposited banknotes is accepted, and 33 is a cancel key which is depressed when the transaction is continued or the storage of the deposited banknotes is canceled for disapproval. is there.

FIG. 3 is a sectional view showing the internal structure of the automatic transaction device.

In the figure, reference numeral 36 denotes an automatic deposit / withdrawal device, and a receipt storage certificate issuing device 37 and a card reading / writing device 38 are mounted on the automatic deposit / withdrawal device 36.

The card writing / reading device 38 functions as a card reader / writer, and has a conveyance path 39 extending rearward from the card insertion / return opening 26, and a magnetic reading / writing section 40 is provided in the conveyance path 39 to detect a card insertion sensor. Is detected and the roller is driven by the detection to convey the card toward the magnetic read / write unit 40, and the magnetic read / write unit 40 can read the data of the card or write the data to the card.

The receipt storage certificate issuing device 37 is configured by combining the receipt issuing means and the storage certificate issuing means into one device, and is provided with a storage certificate printing unit 41 on the transport path 39, and subsequently, a receipt storage unit 42 and a receipt printing unit 43. And a storage certificate storing section 44 and a storage certificate separating / feeding section 45, which issues a receipt when the deposit transaction is normal,
The storage certificate can be issued as a sign that the deposited banknotes have been stored when the deposit transaction is abnormal.

Since the automatic depositing / dispensing device 36 has substantially the same depositing / dispensing mechanism as that of the conventional example, the same components are designated by the same reference numerals and the description thereof will be omitted. It is characterized in that a cash storage unit 46 for storing deposited banknotes is provided in front of and below 2a when a deposit transaction becomes impossible due to a failure of the deposit mechanism unit.

FIG. 1 and FIG. 4 are a plan view and a side view showing details of a cash storage unit which is a main part of the embodiment.

In FIGS. 1 and 4, reference numeral 48 denotes two slide guides extending in the front-rear direction.
A plurality of partition plates 49 are provided on the bottom plate 50 so as to be slidable in the front-rear direction by the above guide, and are pressed against the rear wall 25 by the pressing spring 51.

Sharp edges 49a are formed at both ends of the partition plate 49, and a partition plate drive gear 53 that meshes with the sharp edges 49a so as to be disengaged is pivotally supported by the shaft 54a of the drive mechanism 54.

The tooth portion 53 a of the partition plate drive gear 53 is
To form storage chambers 55 one after another, but the rearmost wall 5
The storage chamber 55a, which is formed closer to the second side, has a receiving / receiving drum 23.
The tooth 53a has a space sufficient to store the largest deposit banknote 56 that is batch-loaded from a, and the tooth portion 53a is a pitch corresponding to this space.

Reference numeral 57 is a drive motor.

FIG. 5 is a block diagram showing a main part of a control system of the automatic transaction device.

In the figure, reference numeral 58 denotes a CPU that functions as a control means for controlling the entire apparatus. The CPU 58 includes a card passbook reader / writer 59, a receipt certificate issuing device 37, and an operating unit 2.
2, deposit mechanism 60, cash storage 46 and memory 61
Are connected to each other.

The card passbook reader / writer 59 is composed of the card reading / writing device 38 and a passbook entry machine, and takes in a card or passbook at the time of storing cash, and the account number or customer name written on the magnetic stripe of this card or passbook. CPU58 reading the data which specifies the customer who is necessary for the storage etc.
And the CPU 58 stores the notified data in the memory 61.

According to the instruction from the CPU 58, the receipt storage certificate issuing device 37 can issue a receipt when the deposit transaction is normal and a storage certificate when the deposit transaction is abnormal to the customer.

The operation unit 22 is an input means for the customer to input the information necessary for the transaction, and comprises the keys 30 to 33, and the customer performs the operation required for the deposit transaction according to the guidance of the operation guidance display unit 29. Or, you can perform the operations required for cash storage.

The deposit mechanism section 60 mechanically enables the receipt, transfer, discrimination, temporary storage, and storage in a safe in an automatic deposit device. When a problem occurs in the deposit mechanism section 60, Is detected and sent to the CPU 58 so as to be able to appropriately cope with an abnormality in the deposit transaction.

The cash storage unit 46 only takes in the deposited banknotes when the deposit transaction is abnormal, stores the deposited banknotes in the storage room, and enables the deposit transaction of the stored banknotes thereafter.

The memory 61 stores data for specifying a customer such as an account number and a customer name by the card passbook reader / writer 59, and a storage room number, that is, data for specifying a storage room in which the deposited banknote is stored together with the deposited amount data of the deposited banknote, Based on these data, it is possible to deposit the stored banknotes.

Next, the operation of the automatic transaction apparatus having the above-mentioned configuration will be described with reference to FIG.

FIG. 6 is a flow chart showing an operation corresponding to the presence / absence of trouble in the deposit mechanism.

For example, in the nighttime operation of the device, when an abnormality occurs in the deposit transaction due to a trouble in the deposit mechanism, the CPU 58 changes the guidance of the deposit transaction to the guidance of cash storage,
The content is displayed on the operation guidance display unit 29.

As guidance for cash storage, for example, “We cannot accept deposit transactions due to equipment malfunction, but we will store your deposit banknotes and issue a storage certificate as a sign of storage.
Later, there will be "...", followed by operations such as approval / disapproval of cash storage.

The customer operates according to this operation guide.

That is, when the cash storage cannot be accepted, the cancel key 33
Press. This makes the deposit transaction unsuccessful.

When approving the cash storage, the confirmation key 32 is pressed.

Then, either the card or the passbook is inserted.

For example, if a card is inserted into the card insertion return slot 26,
The card is taken into the card reading / writing device 38, and the magnetic reading / writing unit 40 reads the data for identifying the customer necessary for storing the account number, the customer name, etc., and the CPU 5
8 to be stored in the memory 61.

Then, when the deposit amount is input with the ten-key pad 31 and the deposit banknote is inserted into the insertion receiving port 23, when the deposit transaction is abnormal,
Since the input receiving drum 2a rotates and faces the storage room 55a of the cash storage unit 46, the inserted banknotes are stored in the storage room 55a, and the number of the stored storage room 55a identifies the customer. Data and deposit amount data are stored in the memory 61.

Thereafter, a receipt certificate is issued by the receipt certificate issuing device 37, which prints the items to be stored such as the input amount, the account number, the customer name, the input time, the processing procedure and the branch name, and the inserted card or passbook is returned. To be done.

At a later date, the banknotes stored in the cash storage unit 46 are counted, and when the counted amount of money matches the input amount of money, the memory 61
Based on the data stored in, the deposit transaction is performed, and when the counted amount does not match the input amount, the customer is notified to that effect and the deposit transaction is performed with the customer's approval.

If no trouble is found in the deposit mechanism, the deposit transaction is normal and the operation is almost the same as the conventional example, and therefore the flow chart of FIG. 6 is used and the description thereof is omitted.

〔The invention's effect〕

As described above, according to the present invention, during nighttime operation or holiday operation of the automatic depositing device, when the depositing transaction becomes impossible due to the failure of the depositing mechanism unit, the customer's The deposit cash input by the customer is stored in the storage room of the cash storage unit according to the request, and the storage room data identifying the storage room storing the deposit cash is read in advance by the customer and the customer inputs the data. Stored in the memory together with the deposit amount data input by the means,
The storage certificate issuing means prints and issues the data for identifying the customer and the deposit amount data on the storage certificate.

Therefore, according to this, at a later date, the cash stored in the storage room of the cash storage unit can be collated with the data stored in the memory, and the deposit process can be performed after confirmation, so that the failure of the deposit mechanism unit occurs. Thus, even when the deposit transaction is impossible, the temporary deposit transaction is possible, which is advantageous for both the bank and the customer.

[Brief description of drawings]

FIG. 1 is a detailed plan view showing a cash storage unit which is a main part of the embodiment, FIG. 2 is a perspective view showing an external configuration of an automatic transaction device, and FIG. 3 is a sectional view showing an internal configuration of the automatic transaction device. FIG. 4 is a side view showing the details of the cash storage unit in FIG. 3, FIG. 5 is a block diagram showing the main part of the control system of the automatic transaction apparatus, and FIG. 6 is a flow chart showing the operation of the apparatus. The figure is a cross-sectional view showing a conventional example. 2 ... Banknote insertion receiving part, 22 ... Operation part, 25 ... Passbook insertion return port, 26 ... Card insertion return port, 29 ... Operation guidance display part, 32 ... Confirmation key, 33 ... Cancel key, 36 ... Automatic deposit / withdrawal device, 37 ... Receipt storage certificate issuing device, 38 ... Card reading / writing device, 41 ... Storage certificate printing unit, 44 ... Storage certificate storage unit, 46 ... Cash storage unit, 48 ... Slide guide, 4
9 ... Partition plate, 51 ... Pressing spring, 53 ... Partition plate drive gear,
54 ... Drive mechanism part, 55 ... Storage room, 56 ... Deposit banknote, 5
8 ... CPU, 59 ... Card passbook reader / writer, 60 ... Deposit mechanism section, 61 ... Memory

Claims (1)

[Claims] 1. A passbook entry machine for reading data identifying a customer from a customer's passbook and printing transaction data on the passbook, and reading data identifying the customer from a customer's card and writing data associated with the transaction. In an automatic depositing device equipped with a card reading / writing means for performing a transaction, an inputting means for a customer to input data necessary for a transaction, and a depositing mechanism section for processing a depositing cash deposited by the customer, a plurality of storage rooms are provided. A cash storage unit that has and stores cash separately for each storage chamber, and stores at least data that identifies the storage chamber of this cash storage unit, data that identifies the customer, and deposit amount data of the customer. Memory, storage certificate issuing means for issuing a storage certificate, and when the deposit transaction is not possible due to the failure of the deposit mechanism, the deposit certificate input by the customer at the request of the customer. The money is stored in the storage room of the cash storage unit, and the storage room data for specifying the storage room in which the deposit cash is stored is pre-read data for specifying the customer and the deposit amount inputted by the customer by the input means. An automatic storage system, comprising: control means for storing the data in the memory together with the data, and controlling the storage certificate issuing means to print the data for identifying the customer and the deposit amount data on the storage certificate and issue the data. Deposit device.