JPH0810470B2 - Cash automatic payment system - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to an additional function of an automated teller machine which pays cash by a customer's operation, and in particular, an automated cash payment system which enables cash payment from a remote place. Regarding the system.

[Conventional technology]

Conventionally, in order for a customer to receive cash payment with an automated teller machine, he / she goes directly to the place where the automated teller machine is installed, inserts his / her own cash card into the card insertion slot, and pushes a button. Enter the personal identification number of the person by operation. In this way, the automatic teller machine confirms that he is the person himself, and he further inputs the required amount of money by pushing a button. When such an operation is performed, the requested amount of money is counted and separated from the built-in safe, and the cash is conveyed to the payment port to pay to the customer.

[Problems to be solved by the invention]

However, in such a conventional example, it is necessary for the customer to directly go to a place where the automatic teller machine is installed and face the device. Therefore, for people with disabilities such as the elderly and the physically handicapped, there arises a problem that it is difficult to use the cash dispenser.

The present invention has been made to solve the above problems, and an object of the present invention is to enable a customer such as an elderly person or a physically handicapped person to automatically receive cash payment at home. , Enhancement of services in the aged society,
It is to provide an automatic cash payment system capable of both rationalization and unmanned operation of banks and the like.

[Means for solving problems]

In order to achieve this object, the present invention is an automatic cash payment system that automatically pays cash by inputting information from a customer, and a receiving means for receiving payment request information from the customer by telephone and a receiving means for receiving the payment request information. The customer inspection means for determining whether or not payment is possible based on the customer identification information included in the payment request information, and the payment request cash included in the payment request information is counted when the customer inspection means determines that payment is possible. The cash discharging mechanism for discharging the cash, the printing means for printing the address and the like of the customer who has called based on the payment request information on the envelope, and the cash discharged by the cash discharging mechanism for the address and the like are printed. And an encapsulation mechanism for enclosing, releasing and enclosing.

[Action]

According to the present invention having such a configuration, the payment request information from the customer by telephone is received by the receiving means, and the customer inspecting means determines whether or not the payment is possible based on the customer specifying information included in the payment request information.

Then, when it is determined that the payment is possible, the cash discharge mechanism counts and discharges the payment request cash included in the payment request information, and also prints the address and the like of the customer who called based on the payment request information. To print on the envelope by, and send the released cash to the encapsulation mechanism,
This encapsulation mechanism puts cash in an envelope on which an address and the like are printed, seals it, and releases it.

As a result, the envelope can be mailed to the customer as it is, and the customer can receive the cash payment at home or the like without going to the place where the automatic teller machine is located.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 1, 2, and 3.

FIG. 1 is a block diagram showing an embodiment of an automatic cash payment system according to the present invention.

In FIG. 1, 1 is an automatic cash dispenser main body, 2 is a safe of 10,000 yen bills for payment, 3 is a safe of 1,000 yen bills for payment, 4,5 is a separate counting of required number of banknotes from each safe 2,3 It is a sending mechanism for sending out. The configuration described above may be similar to that specified for known ATM machines.

Next, the envelope hopper 6 containing the cash envelope and the stamp is pasted with a stamp of a required amount on the cash envelope and sent to the address printing machine 7. The address printing machine 7 prints an address (address name) on the cash envelope. Here, regarding the entry of the sender name, since the sender is a specific bank name or the like, a rubber stamp may be stamped on the cash envelope in advance.

Further, the slip issuing machine 8 performs predetermined printing on the notification form (according to Article 94-5 of the Postal Regulations) and the payment slip at the post office, and sends the payment slip 11 or the payment safe 11 via the transport paths 9 and 10, respectively. Send to bagging machine 12. The bagging machine 12 encloses the payment cash sent from the safes 2 and 3 via the transport path 13 and the payment slip in a cash envelope and sends them to the payment safe 10.

The control unit 14 is provided with an input unit 15 that receives and analyzes payment request information by telephone. When the above-mentioned telephone input is voice, a voice recognition device is built in advance so that the subscriber number or personal identification number sent by voice input can be recognized.

Further, the control unit 14 communicates with the terminal controller TC and the center based on the information of the input unit 15 and confirms the information, and obtains the information from the center side, and the sending mechanisms 4, 5, the envelope hopper 6, and the address printing machine 7 are provided. Information is sent to the slip issuing machine 8 and the bagging machine 12 and the like, and their operations are controlled.

In addition, the input unit 15 is provided with a notification system by a voice synthesis method, which is inconvenient due to communication with the center (for example, the deposit amount is insufficient with respect to the requested payment amount).
If so, the customer is informed of this inconvenience.

FIG. 2 is a block diagram for explaining the bagging machine 12 shown in FIG.

In FIG. 2, the temporary storage section 12a of the bagging machine 12 is a safe.
It consists of an impeller etc. that temporarily collects cash sent from a few. The inner bag packing unit 12b of the bag packing machine 12 packs the payment cash accumulated in the temporary storage unit 12a and the payment slip stacked on the uppermost part in an inner bag. This bag packing method includes a method of inserting cash into the inner bag according to the guide, and a method of putting the cash on the inner bag before assembling and then assembling the inner bag to pack the cash.

Further, the envelope enclosing portion 12c of the bag filling machine 12 is attached after the inner bag filled with the cash is inserted into the cash envelope. Bagging machine
The seal portion 12d of 12 attaches a cash seal paper issued by the Ministry of Posts and Teeth to the seal of the pasted cash envelope, and tallys with a seal of a bank or the like. (According to Article 94-4 of the Postal Regulations.) The cash envelope sealed as described above is a safe for payment.
Is sent to, and is accumulated on the notification sheet guided by the transport path 9. Then, the cash envelope is delivered as cash registered mail to a post office clerk and delivered to the customer.

FIG. 3 is a flow chart showing the operation of the automatic cash payment system shown in FIG.

In FIG. 3, S1: voice input of customer transaction request is input section 1
Input to 5 and shift to S2.

S2: The information input to the input unit 15 is electrically digitized by the voice recognition device, and the process proceeds to S3.

S3: The digitized customer subscriber number and personal identification number are sent to the center for personal confirmation at the center, and the process proceeds to S4. Here, as a method of this personal confirmation, for example, the personal confirmation is performed by collating with the personal identification number for the subscriber number stored in the center. In addition, voiceprint verification will be an effective method for individual confirmation in the future.

S4: When the above-mentioned individual confirmation is possible, the customer is prompted to utter the payment amount requested by the voice synthesis notification system, and the information from the customer is converted into an electronic number by the voice recognition in S2, and the process proceeds to S5. If the above-mentioned individual confirmation is not possible, the customer is requested to redo the voice utterance by the notification system by voice synthesis, and S1 to S3 are redone.

S5: Send the digitized information to the center to check whether payment is possible. If payment is possible, move to S6. If payment is not possible, the process shifts to S4 and the notification system requests the customer to redo the utterance.

S6: According to an instruction to the control unit 14 shown in FIG. 1, the required number of banknotes are separated and counted from the respective safes 2 and 3 and sent to the bagging machine 12, and at the same time, the envelope hopper 6 attaches a predetermined amount of stamps. The cash envelope is printed with an address by the address printing machine 7 and sent to the bagging machine 12.

On the other hand, the control unit 14 causes the slip issuing machine 8 to send the payment slip to the bagging machine 12 and further send the notification paper to the payment safe 11.

The bagging machine 12 described above encapsulates the payment cash in a cash envelope so that it can be delivered, and sends it to the payment safe 12. In the payment safe 12, the notification form and the cash envelope are stacked and stored.

In this embodiment, the customer is delivered by registered mail in cash,
When cash is delivered by a certain trader, it is not necessary to attach a stamp to a cash envelope or issue a notification form. Further, the payment transaction may be performed only by the push button operation by the push button telephone without voice input.

Further, the installation place of the present invention is not limited to a bank, but a post office,
It can be installed at agricultural cooperatives, credit unions, etc. Further, although the present embodiment has been described as a dedicated automatic teller machine, even if the function of the present invention is added to a general automatic teller machine that conducts a transaction facing a customer or a depositing / withdrawing machine that can be deposited. Good. In this case, if it is applied at a branch office or the like where the transaction frequency is low, the total price of the automatic machine can be reduced.

〔The invention's effect〕

As described above, the automatic cash payment system of the present invention is based on the receiving means for receiving the payment request information from the customer by telephone and the customer specifying information included in the payment request information received by the receiving means. A customer inspection unit that determines whether payment is possible, a cash discharge mechanism that counts and discharges the payment request cash included in the payment request information when the customer inspection unit determines that payment is possible, and the payment request information information. A printing means for printing the address and the like of the customer called on the basis of the envelope on the envelope, and an enclosing mechanism for putting the cash discharged by the cash discharging mechanism into the envelope on which the address and the like are printed, sealing and discharging. Since it has a configuration that is equipped, by sending this envelope as it is to the customer,
If the customer has an automatic teller machine, he / she can receive the cash payment at home or the like without going out, and there is an effect that it is particularly useful for improving services to people such as the elderly and the physically handicapped.

Further, according to the present invention, the processing from receiving the payment request information from the customer to the processing required for mailing is automatically performed without human intervention, so that there is an effect that the business of the financial institution can be rationalized.

[Brief description of drawings]

1 is a block diagram showing an embodiment of the present invention, FIG. 2 is a block diagram for explaining the bagging machine shown in FIG. 1, and FIG.
The figure is a flow chart showing the operation of one embodiment of the present invention. 2, 3 ... Safe box, 6 ... Envelope hopper, 7 ... Address printing machine, 8 ... Voucher issuing machine, 11 ... Payment safe box, 12 ... Bagging machine, 14 ... Control section,
15 ... Input section.

Claims (1)

[Claims] 1. An automatic cash payment system for automatically paying cash by inputting information from a customer. Receiving means for receiving payment request information from the customer by telephone, and the payment request information received by the receiving means. A customer inspection means for determining whether or not payment is possible based on included customer identification information, and a cash release for counting and releasing payment request cash included in the payment request information when the customer inspection means determines that payment is possible. A mechanism, a printing means for printing the address and the like of the customer who has called up based on the payment request information on the envelope, and the cash discharged by the cash discharging mechanism is put in the envelope on which the address and the like are printed and sealed. An automatic cash payment system, comprising an encapsulation mechanism for discharging.