JPH083861B2 - Cash deposit / withdrawal processing device - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a cash deposit / withdrawal processing device installed in a financial institution such as a bank, and in particular, a cash deposit / withdrawal processing device operated by a staff member who performs window service. It is about.

[Conventional technology]

The window operation of financial institutions such as banks has been automated due to the rapid development of equipment in recent years, and the attendant (hereinafter referred to as teller) is an online terminal for the window processing of cash, slips and passbooks at the window that accepts transactions. The so-called one-line completion processing, in which all operations are performed by operating the device, is becoming mainstream.

In such a one-line completion process, a device that is connected to an online terminal device and is installed at a window together with the online terminal device to automatically process cash deposit / withdrawal is indispensable.

As a conventional device of this kind, a bill counter and a bill dispenser are provided independently of each other, and connected to an online terminal device to separately perform deposit and withdrawal processing of bills, respectively. In addition to having both deposit and withdrawal processing functions, it is possible to use deposited banknotes for withdrawal, and also has a function of automatic storage and recovery of banknotes There are many cases in which a coin paying machine or a coin depositing / dispensing machine is connected so that the former and the latter can process coins.

[Problems to be solved by the invention]

However, in the case of the conventional device described above, in the former case, the number of devices for processing cash increases, so that the layout is inevitably cramped to be placed at the counter, in other words, The inlet or outlet provided for each independent counter and payer must be placed at a position where the teller can operate, and the counter or counter can be placed in the space near the teller, which is already too small. There is a problem that the proportion of payment machines will increase,
Moreover, as the number of operating units operated by the teller increases,
There is also a problem that the operation is complicated and the operability is poor because it is necessary to take out the banknote storage and manually set the banknotes when loading the cash into the banknote dispenser or the like.

On the other hand, in the latter case, in order to enable all cash processing to be performed automatically with an emphasis on the functional aspect, for example, at the time of deposit transaction, the cash for deposit after discrimination is confirmed on the financial institution side until the transaction is completed. Since there is a tendency for heavy equipment such as provision of a temporary storage section for temporarily storing cash separately from owned cash, the structure of the device and the control means are complicated and consequently expensive There was a problem of becoming.

The present invention has been made to solve these problems, and realizes a small-sized cash deposit / withdrawal processing device that occupies a small space in the vicinity of a teller, has excellent operability, has a simple structure, and is inexpensive. That is the purpose.

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention separates the insertion opening opened so that the operator can directly set the cash and the cash set in the insertion opening, and feeds them into the apparatus one by one. A separate feeding mechanism, a discrimination section for performing various kinds of discrimination necessary for cash deposit / withdrawal processing, and a section for accumulating cash that has been discriminated as withdrawable or depositable by the discrimination section at the time of withdrawal or deposit. The temporary cash storage / withdrawal port has a structure that allows the operator to directly withdraw the cash accumulated at the time of withdrawal, but the cash accumulated at the time of payment cannot A collection mechanism for collecting cash in the mouth,
1 cash for deposit accumulated in the temporary storage part and the outlet
A separating and feeding mechanism that separates and feeds the sheets one by one, and a portion that accumulates cash that has been classified as non-storable by the discrimination unit when loading or depositing cash used for withdrawal, and the accumulated cash Is opened so that the operator can directly pull it out, a reject accumulation mechanism for accumulating cash in this reject mouth, a storage for storing cash used for withdrawal, and a cash for storing in this storage. Storage mechanism for storing the cash, a payout mechanism for paying out the cash one by one from the storage, and a first transport for transporting the cash from the separating / feeding mechanism of the input port to the discrimination section. A path, a second transfer path for transferring cash from the discriminating unit to the collecting mechanism and the reject collecting mechanism, and a branch from the second transfer path to the first transfer path via the storing mechanism and the feeding mechanism. Third transport to join And road, the one in which the temporary retention section and the dispensing port of the separating and feeding part equipped with a first fourth transport path Komu feeding cash into the middle of the transport path.

[Action]

 The operation of the above configuration is as follows.

First, at the time of automatic loading of cash, when cash, that is, a bill is set in the slot, this bill is conveyed to the discrimination section by the first conveying path, and after the discrimination is performed, the bill that can be loaded is the third bill.
It is transported to and stored in the storage by the transport path of.

Further, at the time of withdrawal, banknotes are fed out from the storage box, and after the discrimination section performs discrimination through the third and first conveyance paths, the banknotes that can be withdrawn are temporarily stored by the second conveyance path. It will be sent to the department / withdrawal account and paid from here.

Further, at the time of deposit, the banknotes set in the slot are sent to the discriminating section through the first transport path for discrimination, and then transported through the second transport path, and the depositable banknotes also serve as a temporary storage section. Banknotes that cannot be deposited are collected in the withdrawal outlet and in the reject outlet. Then, when the transaction is successful, the banknotes in the temporary storage section / withdrawal port are the fourth and first conveyance paths, the discrimination section, the second section.
Then, the bill is stored in the storage via the third transport path, but if the transaction is not established, the bill is sent to the reject port and returned.

Therefore, according to this, since the cash deposit / withdrawal process can be performed by one device, the ratio of the device in the vicinity of the teller is smaller than that in the case where the conventional independent counter and payment machine are installed. In addition to enabling effective use of space, the number of operating units operated by the teller is reduced, and automatic cash loading for withdrawal is also possible, which facilitates operation and improves operability. .

In addition, since the collection of bills for withdrawal and the temporary storage of bills for withdrawal are performed by the temporary storage unit and the dispensing port, it is not necessary to provide a temporary storage unit for each denomination in the device, and therefore, conventionally. The cash depositing / dispensing processing device can be simplified and simple in structure as compared with the cash-receipt / disbursement device of the present invention, and can be easily controlled.

Further, since the temporary storage unit / withdrawal port has a structure in which the temporarily stored banknotes for depositing cannot be removed from the outside, the safety is high, and the banknotes for depositing with the temporary storage unit / withdrawal port are Since the bills are sent to the discriminating unit via the fourth conveyance path, it is possible to promptly deal with storing or returning the bills.

〔Example〕

 Embodiments will be described below with reference to the drawings.

FIG. 1 is a side sectional view showing an embodiment of the cash deposit / withdrawal processing device according to the present invention, and schematically shows the internal structure of the device.

In the figure, 1 is an insertion slot for setting banknotes to be counted for deposit and bills to be automatically stored, 2 is a temporary storage section for accumulating banknotes that have been discriminated to be payable or depositable by a discriminating section to be described later. The withdrawal port 3 is a reject port for accumulating the reject banknotes that are discriminated as non-storable or non-payable, and these are arranged in three stages on the front upper part of the device.
The input port 1 and the reject port 3 are open to the teller who is the operator of the apparatus.

Reference numeral 4 denotes a separating / feeding mechanism for separating the bills set in the input slot 1 one by one and feeding the bills into the apparatus, and is constituted by, for example, a pick-up roller, a feed roller, a reverse roller and the like.

Reference numeral 5 is a deposit / withdrawal stacking mechanism for stacking banknotes in the temporary storage / withdrawal port 2, and 6 is a reject stacking mechanism for stacking banknotes in the reject port 3, both of which have a predetermined roller and belt. It is composed by.

7 is a discriminating unit arranged at a predetermined position in the apparatus, which has a discriminating function and a counting function necessary for cash deposit / withdrawal processing such as bill authenticity, denomination, damage, double feeding, and skew. are doing.

8 is a 10,000-yen ticket storage that stores 10,000-yen banknotes, 9 is a 1,000-yen ticket storage that stores 1,000-yen banknotes, and 10 is a loss that stores unsatisfied banknotes when storing banknotes and at the same time a reject ticket at the time of withdrawal. In the ticket storage, these storages 8 to 10 are arranged side by side at the bottom of the apparatus so that they can be taken out integrally as needed.

Reference numeral 11 is a 10,000-yen ticket storage mechanism for storing banknotes in the 10,000-yen ticket storage 8, 12 is a 10,000-yen ticket delivery mechanism for separating and delivering each banknote from the 10,000-yen ticket storage 8, and 13 is Thousand-yen ticket storage mechanism for storing bills in the one-thousand-yen ticket storage 9, 14 is a 1,000-yen bill feeding mechanism for separating and feeding bills one by one from the 1,000-yen bill storage 9, 15 is a reject ticket It is a rigid ticket storage mechanism for storing banknotes in the storage box 10, where each storage mechanism
11,13,15 are composed of predetermined rollers and belts,
The feeding mechanisms 12 and 14 are composed of pick-up rollers, feed rollers, reverse rollers and the like.

Denoted at 16a to 16i are conveying paths each constituted by a belt for holding and conveying banknotes, a roller for supporting and rotating the belt, and arranged as follows.

First, the transport path 16a is provided so as to connect the separating / feeding mechanism 4 provided at the input port 1 and the discriminating section 7, and the transport path 16b is provided so as to extend to the rear of the discriminating section 7. Transfer paths 16c and 16d are provided so as to be connected to the end of the transfer path 16b, and one transfer path 16c is provided in the temporary storage section / dispensing port 2 and the reject port 3 respectively 5 and the reject collecting mechanism 6 are extended. Further, the transport path 16d extends toward the unfit banknote storage box 10, and from the end of the transport path 16d, the transport paths 16e, 16 are provided.
f and 16g are linearly and continuously provided so as to pass through one end of each storage mechanism 15, 13 and 11 and each feeding mechanism 12 and 14, and are reversed from the end of the transport path 16g to the transport path. A conveying path 16h is arranged so as to be connected in the middle of 16a, and further conveying path 16i
Is arranged so as to connect a separating / feeding mechanism, which will be described later, which is provided in the temporary storage section / withdrawal port 2 to the middle of the conveying path 16a.

Although the transport paths 16a to 16i are arranged as described above, the transport path 16a forms the first transport path and the transport path 16b is
16c constitutes the second transport path. And the transport path 16d ~
Reference numeral 16h forms a third transfer path that branches from the second transfer path and joins in the middle of the first transfer path, and the transfer path 16i constitutes a fourth transfer path.

Reference numerals 17a to 17e are rotatable switching gates for switching the conveyance direction of bills, and are arranged at the following positions, respectively.

That is, the switching gate 17a is arranged at the branching portion of the transport path 16c and the transport path 16d, and the switching gate 17b is provided between the deposit / withdrawal stacking mechanism 5 of the temporary storage / withdrawal port 2 and the reject stacking mechanism 6 of the reject port 3. The switching gates 17c, 17d, 17e are arranged at the branching portions, and are arranged at the end portions of the transport paths 16e, 16f, 16g, respectively.

Reference numeral 18 denotes a compulsory storage box. The compulsory storage box 18 is a banknote that is discriminated as non-payable by the discrimination section 7 at the time of counting the deposit amount, but the banknote determined to be receivable by the teller is teller. It is intended for being thrown in and stored by itself, and is provided at the lower part of the front surface of the apparatus with an opening for opening so that it can be taken out integrally with the storage boxes 8-10.

Reference numeral 19 denotes an inverted L-shaped stage provided in the temporary storage section / withdrawal port 2 and this stage 19 has a temporary storage section / withdrawal port 2
The banknotes for depositing are stacked so as not to be touched from the outside, and the banknotes for dispensing are stacked.

Reference numeral 20 denotes a rotatable shield plate provided so as to be positioned in front of the temporary storage section / withdrawal port 2. The shield plate 20 serves as a stopper for bills for withdrawal accumulated on the stage 19. Also works.

Reference numeral 21 is a presser guide provided so as to be located at the back of the temporary storage / cumulative payment port 2, and 22 is a separating / feeding mechanism provided below the temporary storage / cumulative payment port 2. The reference numeral 22 is constituted by a pick-up roller, a feed roller, a reverse roller and the like like the separating and feeding mechanism 4 of the charging port 1.

Reference numeral 23 denotes a control unit including a device power supply unit, which is arranged at a predetermined position in the device, for example, a position adjacent to the unfit banknote storage 10.

The control unit 23 is composed of a circuit that supplies various kinds of power required to operate the entire apparatus and a control circuit that controls the operation of each of the above-described mechanical units.

Here, the control circuit has at its center a microcomputer (MPU), a read-only memory (ROM) that stores the program of the microcomputer, and a random access memory (RAM) that stores control information and transaction history information.
Are used, the input port 1, the temporary storage / cumulative payment port 2, the reject port 3, each storage box 8 to 10, and the transport path 16a.
Detector (sensor) (not shown) that monitors the status of 16h
Information and instructions from the operation buttons and online terminals connected online below, drive the power sources such as motors and solenoids (not shown) corresponding to each of the above-mentioned mechanical parts to automatically It has a function of performing processing operations such as loading, depositing, and withdrawing, monitoring the operations, and calculating and storing the number of bills stored and dispensed according to the operation result.

FIG. 2 is a side view showing the structure of the temporary storage section / withdrawal port 2. As shown in this figure, a guide roller 24 is provided at the side end of the stage 19, and the guide roller 24 is provided. Is slidably fitted in a guide groove 25 formed in a side plate of the temporary storage section / dispensing port 2 and the like, and the side end is connected to a drive belt 27 driven by a drive motor 26. Then, by rotating the drive motor 26 in the forward and reverse directions, the stage 19 moves up and down and is positioned at the initial position a, the depositing position b, and the dispensing position c shown in FIG.

In addition, guide rollers are also attached to the side edges of the press guide 21.
28 is provided, the guide roller 28 is slidably fitted in a guide groove 29 provided in the side plate or the like in a direction substantially orthogonal to the guide groove 25, and a fulcrum 31 is provided by a solenoid 30. The lever guide 32 is engaged with a U-shaped cutout groove provided at the lower end of the lever 32 which rotates about the center of the lever 32. When the lever 32 rotates, the pressure guide 21 moves back and forth.

Reference numeral 33 is an upper guide which is arranged so as to form the upper surface of the temporary storage section / withdrawal port 2.

FIG. 3 is a perspective view showing the external appearance of the apparatus having the above-mentioned internal structure. As shown in this figure, the inlet 1, the temporary storage / withdrawal port 2, and the reject port 3 are located in the center of the upper front of the device. Is located in a stepped manner, and on the right side of the input port 1, there is provided an inspection key insertion part 34 for switching whether the deposit / withdrawal process by the device is possible or not, and also a temporary storage part / withdrawal port. 2 and right and left of the reject mouth 3 are provided with occupancy buttons 35a, 35b and cancel buttons 36a, 36b necessary for deposit / withdrawal processing so that two tellers can operate.

In addition, the discrimination unit 7,
Insertion part 37 of the key for opening the transport path, which enables removal of jam banknotes by pulling out the portion composed of the transport paths 16a to 16d and 16h
And a storage opening key insertion portion 38 for pulling out the storages 8 to 10 and 19 to enable operations such as withdrawal of banknotes.

FIG. 4 is a block diagram of a bank teller system configured by connecting the above-described cash deposit / withdrawal processing device to an online terminal device. In the figure, 39 is the cash deposit / withdrawal processing device having the above-mentioned configuration. In response to a command from the terminal device, the banknote storage, withdrawal, and deposit cash processing described later are performed, and the result is returned to the online terminal device.

An online terminal device 40 is composed of an operation keyboard 41, a display unit (CRT) 42, a printing unit 43, and a control unit 44. Here, the operation keyboard 41 is, for example, a teller for deposit (deposit) and payment. (Withdrawal) Usually used to call a processing program corresponding to various transactions such as bookkeeping, inquiry, transfer, or transfer, and to input items and information corresponding to each transaction, and the display unit 42 is In order to display guidance texts and input information for operating the operation keyboard 41 to the teller, processing results, etc., the printing unit 43 is a passbook, slip, etc. for the results of various transactions, total transaction amount and scrutiny amount, etc. It works as an output device that prints on other cut sheets.

Further, the control unit 44 includes the operation keyboard 41, the display unit 42,
In addition to having a function of connecting the printing units 43 and controlling them in a centralized manner, and having a function of communicating information by connecting to the cash deposit / withdrawal processing device 39, the printer is connected online with a central processing unit (not shown). It also has the function of enabling online processing of various transactions by exchanging information with the central processing unit.

5 (A) to 5 (D) are diagrams showing respective processing modes in the cash deposit / withdrawal processing device 39 of the present embodiment, FIG. 6 (A),
(B) is a side view showing the operation of the temporary storage section / withdrawal port 2, and its operation will be described with reference to FIGS. 5 and 6 and FIGS. 1 and 4.

First, the cash automatic loading mode shown in FIG. 5 (A) will be described.

Here, the automatic loading of cash means that the banknotes are stored in the withdrawal ticket storages of each denomination, that is, the 10,000-yen ticket storage 8 and the 1,000-yen ticket storage 9 while counting the number of the stored banknotes. Refers to managing.

The teller who is the device operator needs to set the bills in the ten-thousand-yen bill storage 8 and the thousand-third bill storage 9, that is, the bills in the storages 8 and 9 are insufficient before the start of the work and during the work. At this time, the operation keyboard 41 of the online terminal device 40 is operated to select the automatic loading process.

By this operation, the control unit 44 of the online terminal device 40 enters the automatic loading process of the cash deposit / withdrawal processing device 39, and sends an instruction of the automatic loading operation to the cash deposit / withdrawal processing device 39.

In response to the instruction from the control unit 44, the control unit 23 of the cash deposit / withdrawal processing device 39 receives the exclusive button 35a (or 35) on the corresponding teller side.
A lamp (not shown) built in b) is blinked to prompt the user to set banknotes into the slot 1 and to start loading.

The teller checks the blinking of the occupation button 35a (or 35b) to set the bill to be loaded into the insertion slot 1, and then presses the occupation button 35a (or 35b) to instruct the start of loading.

When the storage start instruction is input in this way, the bills set in the insertion slot 1 are separated one by one by the separating and feeding mechanism 4 and fed to the conveying path 16a, and the bills are sequentially distinguished by the conveying path 16a. It is sent to part 7.

The discriminating section 7 discriminates the authenticity, denomination, damage, etc. of the bills sent by the conveying path 16a, that is, the place where the bills should be classified and sent. Counting is performed for each species, the information is sent to the control unit 23, and the control unit 23 stores the sent counting information.

The banknotes after discrimination are conveyed by the conveyance path 16b, sorted by the switching gate 17a and conveyed to the conveyance path 16c or 16d. That is, the switching gate 17a sends the banknotes that have been identified as counterfeit notes and the banknotes that have been identified as denomination indeterminable by the identification unit 7 to the transport path 16c, and the banknotes that have been identified as genuine notes to the transport path 16d.
It works like sending to. The operation of the switching gate 17a at this time is controlled by the control unit 23 based on the information from the discrimination unit 7 described above.

By the way, if the bill sent to the conveying path 16d is a 10,000-yen bill and is discriminated as a genuine bill by the discrimination section 7,
The banknote passes from the transport path 16d through the transport paths 16e and 16f to the transport path 16d.
It is sent to g and the 10,000 yen ticket storage mechanism is guided by the switching gate 17e
After being passed to 11, the 10,000-yen ticket storage mechanism 11 stores it in the 10,000-yen ticket storage 8 in a predetermined horizontal orientation.

If the bill is a 1,000-yen bill and a bill that has been identified as a genuine bill, the bill is passed from the transport path 16d through the transport paths 16e, 16f to the 1,000-yen bill storage mechanism 13 by the guide of the switching gate 17d. The 1,000-yen ticket storage mechanism 13 stores the information in the 1,000-yen ticket storage 9 in a predetermined direction.

Furthermore, if the banknote is a banknote that is discriminated as an unfit banknote that is not suitable for withdrawal by the discriminating unit 7, the banknote passes through the conveyance path 16d to the conveyance path 16e regardless of the denomination, and then the switching gate 17c It is passed to the unfit note storage mechanism 15 by guidance, and this unfit note storage mechanism
It is stored in the unfit note storage box 10 by 15.

Incidentally, in the storage processing in these storages 8 to 10, the operation of the switching gates 17c to 17e is controlled by the control unit 23 in the same manner as the switching gate 17a described above.

On the other hand, the banknotes that have been sent to the transport path 16c, that is, the banknotes that are discriminated as non-storable by the discriminator 7 are transported by the transport path 16c, and are controlled by the control unit 23 to wait in advance at a predetermined angle. It is guided by the gate 17b to the rigid stacking mechanism 6 and stacked on the rigid mouth 3.

The above operation is performed until the banknotes set in the insertion slot 1 are exhausted, and then the information accumulated by the control unit 23, that is, the count value for each denomination is sent to the control unit 44 of the online terminal device 40 as the automatic loading information. Sent.

If there is a bill to be stored subsequently, the bill is set in the slot 1 and the same operation as described above is performed again.

Further, the banknotes accumulated in the reject port 3 are taken out and collected by the teller, but the banknotes can be set again in the insertion port 1 and stored, and in any case,
The banknotes set in the slot 1 are stored in the storages 8 to 10 or accumulated in the reject port 3 by the route shown in FIG. Online terminal device
It is sent to the control unit 44 of 40.

The control unit 44 of the online terminal device 40 displays the count value on the display unit 42, and by looking at this, determines whether or not the number of banknotes targeted by the teller has been stored, and if stored, the operation keyboard 42. Operate and enter the information for confirmation.

This input information is sent to the cash deposit / withdrawal processing device via the control unit 44.
It is sent to the control unit 23 of 39, whereby the control unit 23 adds the count value to the total value of the number of stored sheets stored in another address of the RAM.

That is, if the loading of the banknote is before the start of business,
At the time of the last scrutiny, the total number of stored bills was "0", so the count value for each denomination of the loaded banknotes was the total value. The count value for each denomination of the newly loaded banknote is added to the total value, and the addition result is newly stored in the RAM as the total value.

As described above, the automatic bill loading process is performed, which enables the dispensing transaction.

Next, the dispensing mode shown in FIG. 5 (B) will be described.

In the case of a withdrawal transaction at a teller's desk, the customer generally writes the necessary information on a withdrawal slip and submits it to a teller to accept the transaction.

The teller who accepted the transaction inputs the information necessary for the withdrawal transaction and the amount of the declared withdrawal amount with the operation keyboard 41 of the online terminal device 40 based on the items described in the slip received from the customer, and the cash deposit / withdrawal processing device 39 When the operation for activating the withdrawal process is performed, the control unit 44 communicates with a central processing unit (not shown) to inquire whether or not the declared withdrawal amount can be paid in the corresponding account.

Then, when it is confirmed that payment is possible, the control unit 44 sends the denomination and the number of the declared amount and the withdrawal instruction to the control unit 23 of the cash deposit / withdrawal processing device 39,
In response to this, the control unit 23 lights up the exclusive button 35a (or 35b) on the relevant teller side to notify the teller that preparation for withdrawal has been entered, and also the number of coins for which the withdrawal is instructed and the number of bills stored. The number of sheets (a rough value) stored in the storage 8 and the ticket storage 9 is collated.

If the result of the collation indicates that the designated number of dispensed money is more than the number of stored coins, the insolvency information is notified to the control unit 44 of the online terminal device 40, and the withdrawal operation is released from this control unit 44 Cash deposit / withdrawal processing device 39
Is released from the withdrawal mode and is switched to the automatic loading mode by the teller operation to load the banknotes.
If the number of stored coins is larger, the cash deposit / withdrawal processing device 39 starts a dispensing operation.

At that time, the control unit 23 checks whether or not there are any banknotes left in the temporary storage unit / withdrawal port 2 by the output from a sensor (not shown).

This is to prevent the risk of accidentally paying a bill that is not a dispensed bill to the customer.

At this time, the stage 19 is positioned at the initial position shown in FIG.

After the presence or absence of the remaining banknotes is thus confirmed, the following operation is subsequently performed. That is, if there are 10,000-yen banknotes in the denomination of the declared amount, the control unit 23 drives the 10,000-yen ticket feeding mechanism 12 to instruct the 10,000-yen banknotes from the 10,000-yen banknote storage 8 one by one. Only let out. Then, the fed-out banknotes are fed to the conveyance path 16g and conveyed, and after being guided to the conveyance path 16h by the switching gate 17e which is waiting at a predetermined angle under the control of the advance control unit 23, the conveyance path 16g. 16h and transport path
It is sequentially sent to the discrimination section 7 via 16a.

Here, the discriminating unit 7 discriminates whether or not the fed bill is normal, that is, discriminates whether or not there is a double feed or an abnormal approach, and discriminates the denomination, and at the same time, discriminates the bill which is discriminated to be payable normally. After counting, the information is sequentially transmitted to the control unit 23.

The banknotes after discrimination are conveyed by the conveyance path 16b, and are sorted and fed to the conveyance path 16c or 16d by the switching gate 17a according to the discrimination result as in the case of the automatic loading mode described above. That is, the banknotes that are normally discriminated to be payable are sent to the transport path 16c, and the temporary deposit section / withdrawal port 2 waiting at the initial position by the deposit / withdrawal stacking mechanism 5 is passed through the transport path 16c. Collected on stage 19. In addition, banknotes that have been identified as abnormal due to improper withdrawal are considered to be reject tickets and are
It is sent to d and is stored in the unfit banknote storage 10 by the unfit banknote storage mechanism 15 via the transport paths 16d and 16e.

Therefore, when there is a banknote that has been discriminated as abnormal, the banknote is additionally paid out from the 10,000-yen banknote storage 8 and accumulated on the stage 19 in the indicated number.

After that, when there is a 1,000-yen bill in the denomination of the declared amount of money, the control unit 23 drives the 1,000-yen bill feeding mechanism 14 to feed the bill from the 1,000-yen bill storage 9, and in the case of the 10,000-yen bill. Stack on stage 19 as in.

When the withdrawal counting operation is completed in this way, the control unit 23
Stores the withdrawal information in the area for the withdrawal transaction history in RAM (not shown), and sets the count value of the withdrawn money type to the total value of the number of withdrawn transactions already performed. The result is added and stored in a predetermined address of the RAM, a notification of the end of the withdrawal counting operation is issued to the control unit 44 of the online terminal device 40, and the drive belt 27 is driven by the drive motor 26 shown in FIG. After lowering the stage 19 to the withdrawal position c, the solenoid 30 is driven to rotate the lever 32 around the fulcrum 31 as shown in FIG. 6 (A), which causes the pressure guide 21 to move forward. Push out the banknotes on stage 19. At this time, the shielding plate 20 is pushed by the banknotes, rotates, and retracts upward.

On the other hand, when the control unit 44 receives the notification from the control unit 23, it sends the input information by the teller and the withdrawal amount information to the central processing unit as the withdrawal transaction information,
The display unit 42 prompts the teller to remove the banknotes extruded from the stage 19, whereby the teller extracts the banknotes, and the control unit 23 confirms this and the pressing guide 21.
The cash deposit / withdrawal processing device 39 is released from the withdrawal mode by returning.

It should be noted that when the banknotes are removed from the shield plate 20, the shield plate 20 is rotated by its own weight and returns to its original state.

Of course, the bills taken by Teller are paid to the customer.

In the above-described withdrawal operation, when the number of instructed withdrawals is large and exceeds the maximum number of sheets (eg, 100 sheets) to be accumulated on the stage 19 in the temporary storage section / withdrawal port 2, the above-mentioned limit is set. It is also possible to stop the feeding operation when the bills of the number of bills have been fed out, and after confirming that the bills have been pulled out from the stage 19, the rest of the bills can be fed out and withdrawn.

Further, as described above, since the total value of the number of dispensed money is stored in the RAM, the total value of the number of dispensed money is calculated from the total value of the stored number stored in another address of the RAM after the end of the operation of the apparatus. A detailed examination can be performed by subtracting and comparing the subtraction result with the cash in each of the storages 8 to 10.

Next, the deposit counting mode shown in FIG. 5 (C) and the storage mode shown in FIG. 5 (D) will be described.

In the case of a deposit transaction at a teller window, a customer generally fills in a deposit slip and submits it to a teller together with cash to be deposited, so that the teller accepts the transaction.

Here, the teller first inputs the information necessary for deposit transaction and the amount of declared deposit on the operation keyboard 41 based on the items described in the slip received from the customer, and further operates to start deposit processing by the cash deposit / withdrawal processing device 39. I do.

The control unit 44 of the online terminal device 40 receives an input from the operation keyboard 41 by this teller operation, issues an instruction of the deposit counting operation to the control unit 23 of the cash deposit / withdrawal processing device 39, and in response to this, the control unit 23 drives. The drive belt 27 is driven by the motor 26 to raise the stage 19 so that the stage 19 is positioned at the deposit position b, and at the same time, the lamp (not shown) built in the occupancy button 35a (or 35b) on the relevant teller side is blinked to make the insertion port 1
Prompts the operator to input the banknote set and deposit count start instruction.

Upon seeing this, the teller sets the banknotes deposited by the customer in the slot 1 and occupies an exclusive button 35 to instruct the start of deposit counting.
When a (or 35b) is pressed, the bills set in the insertion slot 1 are separated one by one by the separating / feeding mechanism 4 and are conveyed.
The bills are fed to 16a, and the bills are sequentially fed to the discriminating section 7 by the conveying path 16a.

Here, the discriminating unit 7 discriminates the authenticity of bills, denominations, and the like, as in the above-described bill loading, and counts only genuine bills, that is, bills that have been accepted as depositable, for each denomination, and the information thereof. To the control unit 23, and the control unit 23 accumulates the sent count information and stores it in the RAM.

The banknotes after discrimination are conveyed by the conveying path 16b, and all are guided to the conveying path 16c by the switching gate 17a which is waiting at a predetermined angle under the control of the control section 23.

Then, after the bills are further transported by the transport path 16c, they are sorted by the switching gate 17b and sent to the deposit / withdrawal stacking mechanism 5 or the reject stacking mechanism 6, and both the mechanisms 5,
6 are accumulated in the temporary storage / cumulative withdrawal port 2 and the reject port 3 respectively.

That is, here, the switching gate 17b sends the banknotes that are discriminated to be depositable by the discriminating unit 7 to the deposit / withdrawal stacking mechanism 5, and the banknotes that have been discriminated as counterfeit bills or denomination cannot be deposited due to the reject stacking mechanism 6 The banknotes of the genuine bills that can be deposited and the bills of the rejected counterfeit bills that cannot be deposited are separately stored in the temporary storage / withdrawal port 2 and the reject port 3 and accumulated. To be done. At this time, the operation of the switching gate 17b is also controlled by the control unit 23 based on the discrimination result of the discrimination unit 7.

In addition, in the deposit counting mode, the banknotes accumulated in the temporary storage section / withdrawal port 2 have the stage 19 located at the deposit position b as described above, and are accumulated and temporarily stored inside the stage 19. As a result, it is possible to prevent the bill from being pulled out from the outside.

The above operation is performed until the banknotes set in the insertion slot 1 are exhausted, and then the count value for each denomination stored in the RAM of the control unit 23 is input to the control unit 44 of the online terminal device 40 as the deposit handling information. Sent.

Further, at this time, the teller judges that if the banknotes are accumulated in the above-mentioned reject mouth 3, the banknotes are withdrawn and returned as a banknote to the customer, but if the banknotes taken out are re-inserted, it can be counted. At this time, the bill is reinserted into the insertion slot 1 to perform the deposit counting operation.

As a result, if the denomination is determined by discriminating it as a genuine note, the banknotes are accumulated in the temporary storage section / withdrawal port 2, the count value is added to the count value, and the addition result is the deposit transaction information. Is again sent to the control unit 44 of the online terminal device 40.

Even when the result of re-insertion is discriminated as a counterfeit note and accumulated in the reject mouth 3, and the first accumulation in the reject mouth 3 makes it impossible or unnecessary for the teller to count in the discriminating section 7, And when it is judged that it can be handled as a genuine note, the teller himself counts and confirms the bill, and while inserting the bill into the forced storage box 18 to store it, the operation keyboard 41 is operated to count the counting result as a deposit amount. Enter as.

Here, the control unit 44 adds the count value from the cash deposit / withdrawal processing device 39 and the count value by manual deposit, collates the addition result with the first declared deposit amount information, and if they match, A message to the effect is displayed on the display unit 42, and the confirmation operation of the teller is prompted.

As a result, when the teller inputs the confirmation information on the operation keyboard 41, the transaction is completed, and the control unit of the online terminal device 40.
44 transmits the input information by the teller and the addition result as the deposit transaction information to a central processing unit (not shown), and also sends the confirmation information to the cash deposit / withdrawal processing unit 39.

In response to this, the control unit 23 of the cash deposit / withdrawal processing device 39 stores the deposit transaction information in the area for the deposit transaction history of the RAM, and switches the mode, thereby the mode of the cash deposit / withdrawal processing device 39. Changes from the deposit counting mode shown in FIG. 5C to the automatic storage mode shown in FIG.

In this automatic storage mode, the control unit 23 first sets the drive motor.
The drive belt 27 is driven by 26 and the stage 19 is lowered, whereby the banknotes in the temporary storage / withdrawal port 2 are pressed against the separating / feeding mechanism 22 by the stage 19.

In this state, the bills are separated one by one by the separating / feeding mechanism 22 and are fed to the conveying path 16i. The bills are conveyed to the converging conveying path 16a and then conveyed to the discrimination section 7. To be done.

After that, the bills are sorted and stored in the storages 8 to 10 by the same operation as the automatic loading mode described above, and the count value for each denomination counted by the discrimination unit 7 at this time is added to the total value of the number of stored bills. To be done.

The above is the deposit count mode and the automatic storage mode in a normal deposit transaction, but accompanying this, it is also possible to release change.

That is, in the deposit counting mode described above, the control unit 44 certifies that the addition result of the count value is larger than the declared deposit amount in the preceding stage of the confirmation operation by the teller, and the teller gives an instruction of change dispensing with the operation keyboard 41. Enter the control
44 calculates the difference and notifies the control unit 23 of the cash deposit / withdrawal processing device 39 of the calculation result.

In response to this, the control unit 23 stores the banknotes in the temporary storage unit / withdrawal port 2 in the storages 8 to 10, and then, from the 1,000-yen ticket storage 9 in the same operation as in the withdrawal mode described above. The banknotes are paid out by the number equivalent to the amount of money instructed (8
It is also possible to withdraw change from, but the change of 10,000 yen banknote does not occur in normal operation), it is accumulated on the stage 19, and the information of the denomination and the number of coins is controlled by the control unit 44 of the online terminal device 40. Send to.

The control unit 44 automatically confirms the sent information and returns the confirmation information to the power supply / control unit 23. In response to this, the power supply / control unit 23 outputs the change dispensing information to the RAM. In addition to storing it in the area of the gold transaction history, adding the count value of the withdrawn banknotes to the total value of the withdrawn coins and storing it, and confirming that the teller has withdrawn the banknotes accumulated on the stage 19, cash The deposit / withdrawal processing device 39 is released from the change dispensing mode.

Needless to say, the banknotes taken out by the teller are paid as change to the customer.

On the other hand, before the confirmation operation of the teller, if the control unit 44 recognizes a discrepancy such as the addition result of the count value being smaller than the declared amount, the teller presses the cancel button 36a (or 36b) when he wants to cancel the transaction by the count result. Press down.

As a result, the control unit 23 clears the count value, and the control unit 44 of the online terminal device 40 sends the pressing information.
The control unit 44 receiving this notification clears the count value sent previously and the count value input to the teller.

At the same time, the control unit 23 starts the return operation of the bills counted and accumulated and stored in the temporary storage unit / withdrawal port 2.

That is, the control unit 23 drives the drive belt by the drive motor 26.
27 is driven to lower the stage 19, whereby the banknote in the temporary storage section / withdrawal port 2 is pressed against the separating / feeding mechanism 22 on the stage 19.

Then, in this state, the bills are separated one by one by the separating / feeding mechanism 22 and fed to the conveying path 16i, and are conveyed by the conveying path 16i to the converging conveying path 16a. , Through the transport paths 16b and 16c, and is accumulated in the reject port 3 by the reject accumulation mechanism 5.

In this way, when all the bills in the temporary storage / withdrawal port 3 are conveyed to the reject port 3 and accumulated, the control unit 23 notifies the control unit 44 of the online terminal device 40 of the information,
In response to this, the control unit 44 prompts the teller through the display unit 42 to remove the bill.

As a result, the teller withdraws the banknotes from the reject opening 3, so that the cash deposit / withdrawal processing device 39 is released from the deposit counting mode. However, after this, the transaction is stopped, or all the bills are counted by the teller and treated as deposits. Whether or not to change the declared deposit amount and perform the deposit count again with the cash deposit / withdrawal processing device 39 is determined by the operation mode and the judgment of the teller.

In the deposit counting mode, when the number of deposited banknotes is large and cannot be set in the slot 1 at one time, if the banknotes are divided and set in the slot 1, the number of sheets can be counted without limitation due to the structure. Is possible, and in that case also, the processing of the counting information is performed in the same manner as above each time.

That is, when the banknotes set in the insertion slot 1 are first discriminated and counted by the discrimination section 7, and then sequentially accumulated in the temporary storage section / withdrawal slot 2 and when the temporary storage section / withdrawal slot 2 becomes full. ,
That is, when the predetermined number of sheets (for example, 100 sheets) is reached, the counting is temporarily stopped and the sheets are stored in the storage boxes 8 to 10.

After that, the teller sets uncounted banknotes in the insertion slot 1, restarts the counting, and similarly stacks the counted banknotes in the temporary storage / withdrawal slot 2.

Then, in parallel with these operations, the count value for each denomination is sequentially accumulated, the above processing is repeated, and when the counting is completed, the cumulative count value is sent to the control unit 44 of the online terminal device 40. By transmitting, the transaction can be carried out in the same manner as the above-mentioned deposit counting mode.

In addition, the above-described embodiment describes the device for depositing and withdrawing two kinds of banknotes of 10,000 yen banknotes and 1,000 yen banknotes. Of course, it can be applied to a device for depositing and withdrawing various kinds of banknotes.

〔The invention's effect〕

As described above, the present invention is provided with the input port, the temporary storage unit / withdrawal port, the reject port, the discrimination unit, and the cash storage for withdrawal, and these first to fourth By connecting with a transportation path, all the loading, depositing, and withdrawing of cash can be automatically processed, so the ratio of the device in the vicinity of the teller is less than that in the case where a conventional independent counter and payment machine are installed. It's smaller, the space can be used more effectively, the number of operating units operated by the teller is reduced, and the cash for withdrawal can be automatically loaded, which makes the operation easy and easy to operate. The effect of improvement is obtained.

Further, since the accumulation of the bills for withdrawal and the temporary storage of the bills for withdrawal are performed by the temporary storage unit and the dispensing port, it is not necessary to provide a temporary storage unit for each denomination in the device, and therefore,
Compared to the conventional cash-receipt-and-disbursement device, the structure can be simplified and the control can be facilitated, and a small and inexpensive cash-receipt-and-disbursement processing device can be realized.

Further, since the temporary storage unit / withdrawal port has a structure in which the temporarily stored banknotes for depositing cannot be removed from the outside, the safety is high, and the banknotes for depositing with the temporary storage unit / withdrawal port are Since the bills are sent to the discrimination section via the fourth conveyance path, it is possible to obtain an effect that the bills can be stored or returned promptly.

[Brief description of drawings]

FIG. 1 is a side sectional view showing an embodiment of a cash deposit / withdrawal processing apparatus according to the present invention, FIG. 2 is a side view of a temporary storage section / withdrawal port in the embodiment of FIG. 1, and FIG. FIG. 4 is a perspective view showing the external appearance of the embodiment shown in FIG. 4, FIG. 4 is a block diagram of a window device constructed using the embodiment, FIG. 5 is an explanatory view of each processing mode in the embodiment, and FIG. 6 is shown in FIG. It is a side view which shows operation. 1: Input port, 2: Temporary storage part and withdrawal port, 3: Reject port, 4,
22: Separation / Feeding Mechanism, 5: Deposit / Withdrawal Collection Mechanism, 6: Reject Collection Mechanism, 7: Discrimination Department, 8-10: Storage Cabinet, 11, 13, 15: Storage Mechanism, 12, 14: Delivery Mechanism, 16a- 16i: Transport path, 23: Control unit

Claims (1)

[Claims] 1. An input port opened so that an operator can directly set cash, and a separating / feeding mechanism for separating the cash set in the input port one by one and feeding it into the apparatus. A discriminating unit that performs various discrimination and counting necessary for cash deposit / withdrawal processing, and banknotes that have been discriminated to be disbursable by the discriminating unit at the time of withdrawal are collected so that the operator can withdraw them In order to accumulate cash in the temporary storage / withdrawal opening and the temporary storage / withdrawal opening, which is structured so that the banknotes that have been discriminated to be depositable by the discriminating portion are not removed by the operator or the like. Of the deposit mechanism and the cash for deposit accumulated in the temporary storage section / withdrawal port
Separation and feeding mechanism that separates and feeds the sheets one by one, and cash that is discriminated as non-storable or non-receiptable by the discrimination section when storing or depositing cash used for withdrawal, or cash returned when canceling deposit Are stored and the accumulated cash is opened so that the cash can be directly withdrawn by the operator, the reject accumulation mechanism for accumulating cash in this reject mouth, and the cash used for withdrawal is stored. A storage for storing, a storage mechanism for storing cash in the storage, a feeding mechanism for separating and feeding out the cash one by one from the storage, and a separate feeding of the input port. A first transport path for transporting cash, which connects the section and the discrimination section, a second transport path for cash transport, which connects the discrimination section with the stacking mechanism, and the reject stacking mechanism, and the second transport path Branch from the middle A third transfer path for cash transfer, which merges in the middle of the first transfer path via the storage mechanism and the delivery mechanism, a separation / feed section of the temporary storage section and a dispensing port, and the first transfer A cash depositing / withdrawing processing device, comprising: a fourth transporting route for transporting cash, which connects to the middle of the route.