JPH02228792A - System for controlling cash in shop - Google Patents

Abstract

PURPOSE:To efficiently execute work by totally grasping the charge / incoming / outgoing / remainder state of cash to various money processors and monitoring the financial state of a whole shop. CONSTITUTION:An window A system 3A and an window B system 3B are respectively equipped with a console, coin incoming / outgoing machine and paper money incoming and outgoing machine and a bundle of paper moneys outgoing machine. Then, the charge / incoming / outgoing / remainder state of the cash in each equipment is summed up by an window controller 50 and sum-up data are supplied to an in-shop equipment supervisory equipment 6A. The charge / incoming / outgoing / remainder state of the cash in a lobby A machine 2A and a lobby B machine 2B is summed up by a lobby controller 51 and sum-up data are supplied to the in-shop equipment supervisory equipment 6A. Further, the charge / incoming / outgoing / remainder state of the cash in an unmanned corner A machine 5A - 5C summed up by an unmanned corner controller 52 and the sum-up data are supplied to the in-shop equipment supervisory equipment 6A. Thus, the using efficiency of the fund is improved and the cash can be efficiently controlled.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention is a system for collectively grasping the loading/depositing/withdrawing/remaining status of cash in various money handling machines installed in the stores of financial institutions. , relates to an in-store cash management system suitable for use in monitoring the cash situation of the entire store.

[Prior Art] Conventionally, as described in Japanese Patent Application Laid-open No. 55-119774, data input devices for each counter connected to banknote dispensing machines/coin dispensing machines installed in a financial institution store were connected to one central unit. A counter operation management system that connects to a tally terminal and uses the central tally terminal to grasp the deposit/withdrawal status of the entire store in real time, improving the efficiency of fund use and ensuring cash management. provided.

[Problems to be Solved by the Invention J] However, in general, the following problems still exist in financial institution stores.

■Deposits brought by customers to the counter and cash withdrawn from their accounts are counted by staff and processed for deposits/withdrawals by hand, while some cash is counted/deposited/withdrawn by machines. Cash processing is done in a disjointed manner. For this reason, if an employee temporarily stores cash in a desk, etc., accounting operations such as the amount of money stored and the amount to be paid become extremely complicated. It took a considerable amount of time to understand and confirm the overall financial status of the store, including loading/depositing/withdrawing/remaining balance status.

■In addition, in recent years, large financial institutions have installed a large number of various devices such as bill deposit and withdrawal machines and coin deposit and withdrawal machines in response to an increase in the amount of cash they handle in their branches to improve the efficiency of business processing and customer service. There is. However, at traditional financial institution branches,
It was previously possible to monitor the cash deposit/withdrawal status of each device in the store, but a system that can collectively monitor the cash loading/deposit/withdrawal/remaining cash status of each device and monitor the cash status of the entire store. There was no.

The present invention solves the above-mentioned problems and is installed in a store of a financial institution.
The objective is to provide an in-store cash management system that achieves operational efficiency by understanding deposits, withdrawals, and balance status all at once and monitoring the cash status of the entire store.

[Means for Solving the Problem] The present invention grasps the loading, depositing, withdrawing, and remaining amount of cash in a plurality of money handling machines installed in a store of a financial institution,
An in-store cash management system configured to monitor the cash status of the entire store, including each loaded amount, each deposited amount, and each withdrawn amount of each of the money handling machines.

a totalizing means for totalizing each remaining amount; an operating means for setting each amount of cash loaded into each of the money handling machines; a loaded amount storage means for storing each amount of cash loaded into each of the money handling machines; A deposit amount storage means for storing each deposited amount to each money handling machine, a withdrawal amount storage means for storing each withdrawal amount from each said money handling machine, and a remaining amount storage for storing each remaining amount of each said money handling machine. means, a principal balance storage means for storing the cash balance of the principal, a store-wide balance storage means for storing the entire balance in the store, and the loaded amount, deposited amount, and withdrawal amount aggregated by the aggregation means. or in-store equipment monitoring means for calculating the remaining amount of each of the money processing machines based on the loaded amount and the withdrawal amount, and calculating the entire in-store remaining amount based on each of the remaining amounts and the original balance; loading amount, deposit amount, withdrawal amount,
The present invention is characterized by comprising output means for outputting fall information including the remaining amount and the entire remaining amount in the store.

[Operation] According to the present invention, the operator sets the amount to be loaded into each money handling machine when starting the day's business at the store.

When deposits and withdrawals are made to and from each money handling machine with the start of business, the balance of each money handling machine is calculated each time. When the transaction is completed, the total balance in the store is calculated and output based on the final balance of each money handling machine and the original balance.

[Example 1 Hereinafter, one embodiment of the present invention will be described based on the drawings.

FIG. 1 is a plan view showing an example of a store of a financial institution in this embodiment. Various equipment (money handling machines), etc., which will be described later, are arranged. The counter 31 has, for example, four counters 3-1.3-2.3-3.
．． 3-4 is set up, and the counter A system 3A, which is shared by two tellers, is located at the location corresponding to counter 3-1. A shared counter B system 3B is installed for two tellers. The counter A system 3A includes an operation console 8 and a coin deposit/dispensing machine 9 installed on the counter 3, a banknote deposit/dispensing machine 10 and a bundled coin dispensing machine 11 installed in the office 4 inside the counter 3. It is configured.

Further, the counter B system 3B also has the same configuration as the counter A system 3A, and is given the same reference numeral and explanation thereof will be omitted.

The bill depositing and dispensing machine 10 is configured as shown in FIG. 2, and the bill deposited from the transaction port 12 is sent to the discriminating section by the dispensing section 13, and is determined by the discriminating section 14 to be acceptable. When a predetermined number of deposited banknotes are stored in the temporary storage section j5, the transaction opening +2. Sending unit +3. After being conveyed through the discrimination section 14, the deposited banknotes of 1,000 and 5,000 notes are transferred to the deposit box 1.
6, the deposited banknotes of 10,000 banknotes are each stored in the 10,000 banknote storage/disbursement counting section 1, while the deposited banknotes determined as unacceptable by the discriminating section H are returned to the return section 18. . Further, the dispensed banknotes counted in a predetermined number by the ten-thousand-bill storage and disbursement counting section 17 and the predetermined number of disbursed bills counted in the ten-thousand-bill disbursed counting section 19 are checked by the dispensing discrimination section 20, such as double feeding, etc. After a predetermined number of withdrawn bills are temporarily stored in the temporary storage section 15 and there is no double-feeding, etc., they can be taken out from the transaction opening 12, while double-feeding, etc. Withdrawal banknotes of 1,000 and 5,000 notes that are determined to have a
The disbursed banknotes of the 10,000 banknotes that are determined to have been double-fed are collected into the 10,000 banknote storage and withdrawal counting section 17, respectively.

The coin depositing and dispensing machine 9 is of a two-teller type and is configured as shown in FIG. Coins that are determined to be counterfeit coins, foreign coins, deformed coins, etc. by 23 are sent to the sorting and discharging section 24 and then discharged to the carton 25, while coins that are determined to be genuine coins are sent to the denomination-time storage section. 26 by denomination (1 yen, 5 yen, 10 yen, 50 yen, 100 yen)
yen, 500 yen), and then stored by denomination in the denomination-specific storage and withdrawal counting section 27. In addition, the denomination-specific time storage unit 26 and the denomination-specific storage and withdrawal counting unit 2
7 is full, the deposited coins are temporarily stored in the temporary storage section 2g and then stored in the deposit box 29. Also,
When returning the coins in the denomination-time storage section 26,
After the stored coins are delivered to the sorting/discharging section 24, they are discharged to the carton 25.

Further, a storage section (illustrated path) is integrally incorporated in the bundling rod gold plating machine 11, and a banknote bundle dispensing section 11A shown in FIG.
and a coin-roll withdrawal section 11B shown in FIG. The banknote bundle dispensing unit +1A has a dispensing port 3G, ten thousand notes,
The banknote bundles of 5,000 and 1,000 banknotes are counted and withdrawn from the withdrawal port 3.
It is composed of a small bundle dispensing counting section 31, 32, and 33 for sending out a small bundle to a bank account. The coin withdrawal unit 11B also includes an insertion/return port 34 for inserting/returning a customer's passbook, a passbook processing unit 35 for making entries in the inserted passbook, and a withdrawal port 3.
6, 500 yen coin, 100 yen coin, Sff Japanese coin, I
(A predetermined number of 1 yen coins, 5 yen coins, and 1 yen coins are accumulated in a bar shape, and the wrapped coins are counted and the coins are collected at the withdrawal port 36.
Roll withdrawal counter to send to 37.3g, 39, 40, 4
1.42.

Referring again to FIG. 1, in a location facing the lobby 2, for example, a bill depositing and dispensing machine (hereinafter abbreviated as lobby A machine) 2A and a money exchange machine (hereinafter abbreviated as lobby 3 machine) 2B are installed. There is. In addition, the unmanned corner room 5 includes, for example, a bill depositing and dispensing machine (hereinafter abbreviated as unmanned corner A machine) 5A, a bill depositing and dispensing machine (hereinafter abbreviated as unmanned corner 8 machine) 5B,
A banknote dispensing machine (hereinafter abbreviated as unmanned corner C machine) 5C is installed. In addition, the cashier's room 6 includes, for example, an in-store equipment monitoring device 6A that monitors cash loading/deposit/withdrawal/remaining status in each device installed in the store 1, an in-store cash management system, and an in-store cash management system, which will be described later. A modem 6B is installed to communicate with the central control unit of the computer via a public line or the like.

Next, the configuration of the in-store cash management system will be explained with reference to FIG. 6. The window ROM system 3 is equipped with the operation console 8, the coin depositing and dispensing machine 9, the banknote depositing and dispensing machine 10, and the bundled coin dispensing machine 11. The loading/depositing/withdrawing/remaining amount status of cash in each device of the counter B system 3B is aggregated by the counter management machine 50, and the aggregated data is supplied to the in-store equipment monitoring device 6A. There is. In addition, the above lobby A machine 2A,
The loading/depositing/withdrawing/remaining amount of cash in the lobby B machine 2B is aggregated by the lobby management machine 51, and the aggregated data is supplied to the in-store equipment monitoring device 6A. In addition, the above unmanned corner A machines 5A, 5B, 5C
The cash loading/deposit/withdrawal/remaining amount status is aggregated by the unmanned corner management machine 52, and the aggregated data is supplied to the in-store equipment monitoring device 6A.

The in-store equipment monitoring device 6A includes various memo IJs to be described later.
M (see FIG. 7), an operation section 53 for inputting the amount of cash loaded into each of the devices, a display section 54 for displaying various data, and a printing section 55 for printing out various data. . In addition, the aggregated data of the counter management machines 50.5+, H is transmitted to a financial institution's center, etc. outside the store via a modem 6B, a public line, etc., and the transmitted data is transmitted to the center via a modem 56 inside the center. The command data from the central control device 57 is supplied to the control device 57, and the command data from the central control device 57 is sent to the modem 56. The money is supplied to the in-store cash management system via the public line and modem 6B.

The various memories of the in-store equipment monitoring device 6A will be described later along with their functions.

Next, the operation of this embodiment with the above configuration will be explained based on FIG. 7.

Before the start of the day's business at the store 1 of the financial institution, the previous day's remaining balance memory M1 of the in-store equipment monitoring device 6A stores the total remaining amount of each in-store device on the previous day. When the operator sets and inputs the loading amount of cash to be distributed and loaded into each device in the store on the day using the operation unit S3, the in-store equipment monitoring device 6A stores each loading amount in the loading memory M3 for needles in the device. be done. As a result, the in-store equipment monitoring device 6A stores in the original remaining memory M2 an amount corresponding to the amount calculated by subtracting the loading amount stored in the loading memory M3 from the total remaining amount stored in the previous day's remaining memory Ml. The remaining amount will be memorized. Then, the operator loads each device in the store with the distributed loading amount.

That is, each of the input distribution loading amounts is stored in the loading memory M3a+s corresponding to the banknote depositing and dispensing machine 10 constituting the counter A system 3A, and the loading memo corresponding to the coin depositing and dispensing machine 9! JM312
, Loading memory M3i3 compatible with Tobo cash dispensing machine 11, counter B
Bill deposit/dispensing machine/coin deposit/dispensing machine that constitutes system 3B
Loading memory for bundled stick dispenser (as shown), Lobby A
Loading memory M3c for machine 2A, loading memory M3d for lobby B machine 2B.

Loading memo for unmanned corner A machine 5A! JM3e.

Loading memory M3f compatible with unmanned corner 8 aircraft 5B.

They are stored in the loading memory M3g corresponding to the unmanned corner 0 machine 5C, and the loading memory M3 Hatake1. M 3 gz, M 313
The total of each distributed loading amount stored in the counter company's loading memory M3a is the total of each distributed loading amount stored in each loading memory corresponding to each device of the counter B system 3B.
Each is stored in the counter loading memory M3b.

Next, when a deposit is made to the corresponding device in the store with the start of the day's business, the deposited amount is stored in the deposit memory corresponding to the device by the in-store device monitoring device 6A each time. Ru. In other words, the deposit memory M 4 is compatible with the banknote deposit and withdrawal machine IO of the counter A system 3A! l Deposit memory M4a2 compatible with N coin deposit and withdrawal machine 9, counter B system 3
Deposit memories corresponding to each machine B (as shown), Deposit memory M4C compatible with Lobby A machine 2 people, Deposit memory M4D compatible with Lobby B machine 2B.

Deposit memory M4e compatible with unmanned corner A machine 5A.

The deposit memory M41 corresponding to the eight unmanned corner machines 5B stores the deposit amount each time there is a deposit, and the deposit memory M41 corresponding to each device of the counter A system 3A stores the deposit amount each time there is a deposit.
, M 41 = is stored in the deposit memory M 4 s for the counter company, and the total of each deposit amount stored in each deposit memory corresponding to each device of the window QB system 3B is as follows. Each is stored in the deposit memory M4b for the counter company. Further, the deposit memory M4 for in-device needles stores the total amount of money deposited into each device in the store, which is stored in each of the deposit memories.

On the other hand, each time a withdrawal is made from a corresponding device in the store l, the in-store device monitoring device 6A stores the withdrawal amount in the withdrawal memory corresponding to the corresponding device. That is,
Withdrawal memo UM5 compatible with banknote deposit and withdrawal machine 10 of counter A system 3A! ,, Withdrawal memo UM5iz compatible with coin deposit/withdrawal machine 9
, Withdrawal memory M513 for 11 bunches of bundled stick withdrawal machines, Each withdrawal memory corresponding to each device of counter B system 3B (path shown), Withdrawal memory M5e compatible with lobby A machine 2A, Lobby 8 machine 2B Compatible withdrawal memory M5 d, unmanned corner A machine 5
Withdrawal memory M5e compatible with A, unmanned corner B115 B
The corresponding dispensing memory M5L and the dispensing memory M5g corresponding to the unmanned corner C machine 5C each store the withdrawal amount each time there is a withdrawal, and also store the withdrawal amount corresponding to each device of the window A system 3A. Withdrawal memory M 5 g,, M 5 *z, M
51, the total of each withdrawal amount stored in the counter company's withdrawal memory M51, and the total of each withdrawal amount stored in each withdrawal memory corresponding to each device of the counter B system 3B is stored in the counter company's withdrawal memory M51. are respectively stored in the dispensing memory M5b. Further, the withdrawal memory M5 for in-device needles stores the total withdrawal amount from each in-store device stored in each of the above-mentioned withdrawal memories.

In addition, every time there is a deposit/withdrawal, the in-store equipment monitoring device 6
The remaining amount calculated by A (in the case of a deposit/withdrawal machine, the remaining amount = loaded amount + deposited amount - withdrawn amount; in the case of a dispensing machine, the remaining amount = loaded amount - withdrawn amount) is the bill deposit/withdrawal machine of counter A system 3A! Remaining amount memory M618 compatible with 0, Remaining amount memory M6i compatible with coin depositing and dispensing machine 9, Remaining amount memory M6s compatible with bundled stick dispensing machine 11,
, each remaining amount memory corresponding to each device of counter B system 3B (illustrated path), remaining amount memory M6c10 corresponding to Rohy A machine 2A, remaining amount memory M6d corresponding to B B machine 2B, remaining amount memory M6e corresponding to unmanned corner A machine 5A, Unmanned corner B machine 5
The remaining amount memory M6f corresponding to B, the remaining amount memory M6g corresponding to unmanned corner C machine 5C, and the remaining amount memory M61 corresponding to each device of the counter A system 3A. ,
The total of each balance stored in M 6 sz and M 6 s3 is stored in a balance memory M 6 z for the teller company, respectively.
The total of each remaining amount stored in each remaining amount memory corresponding to each device of the counter B system 3B is stored in the remaining amount memory M6 for the counter company.
b. In addition, the remaining amount memory M for the needle in the device
6 stores the total remaining amount of each device in the store stored in each of the remaining amount memories.

Then, when the day's work is finished, the in-store equipment monitoring device 6A stores the remaining amount in the remaining amount memory M6 and calculates it by adding the total remaining amount and the original remaining amount stored in the original remaining amount memory M2. The amount is stored in the store total balance memory M7 as the total store balance for that day. The total remaining amount in the store stored in the entire store remaining amount memory M7 is stored in the previous day's remaining amount memory M1 as the "total remaining amount of each device in the store on the previous day" before the start of business on the next day. Further, various data of each in-store device are displayed as appropriate on the display section 54 of the in-store device monitoring device 6A, and are printed out from the printing section 55 as necessary.

As described above, the in-store equipment monitoring device 6A collectively grasps the loading/deposit/withdrawal/remaining amount for each in-store equipment, and monitors the financial situation in the store. Further, various data corresponding to the above-mentioned financial situation are transmitted to the central control unit 57 via a public line or the like, and data processing is performed.

Incidentally, in the above embodiment, the arrangement of each section and each piece of equipment in a store of a financial institution was configured as shown in FIG. 1, but the present invention is not limited to this configuration.

[Effects of the Invention] As explained above, according to the present invention, the cash loading, deposits, withdrawals, and balances of cash in a plurality of money handling machines installed in the store of a financial institution can be grasped, and the financial status of the entire store can be monitored. The in-store cash management system is configured to monitor the following: a totalizing means for totaling each loaded amount, each deposited amount, each withdrawn amount, and each remaining amount of each of the money handling machines; an operating means for setting each loaded amount of cash; a loaded amount storage means for storing each loaded amount into each of the money handling machines; and a deposited amount storage for storing each loaded amount into each of the money handling machines. means and
A withdrawal amount storage means for storing each withdrawal amount from each of the money handling machines, a remaining amount storage means for storing each remaining amount of each of the money handling machines, and an original balance storage means for storing the remaining amount of the original cash. , calculating the remaining amount of each money processing machine based on the loaded amount, deposited amount, and withdrawn amount, or the loaded amount and withdrawn amount compiled by the store's total remaining amount storage means for storing the entire remaining amount in the store; and an in-store equipment monitoring means that calculates the overall balance in the store based on each of the remaining amounts and the original balance; Since the configuration includes an output means for outputting the included information, the following effects can be achieved.

The cash loading/deposit/withdrawal/remaining status of cash in various money handling machines installed in the store can be grasped all at once, and the cash status of the entire store can be monitored, improving the efficiency of fund usage and cash management. can be achieved.

[Brief explanation of the drawing]

The first section is a plan view showing an example of a store of a financial institution according to an embodiment of the present invention, and FIG. 2 is a schematic diagram of a bill depositing and dispensing machine of this embodiment.
Fig. 3 is a schematic diagram of the coin depositing and dispensing machine of this embodiment, Fig. 4 is a schematic diagram of the banknote bundle dispensing section of the bundling stick cash dispensing machine of this embodiment, and Fig. 5 is a schematic diagram of the bundling bar of this embodiment. Schematic diagram of the coin withdrawal part of the cash withdrawal machine, No. 6
The figure is a block diagram of the in-store cash management system of this embodiment.
FIG. 7 is a conceptual diagram of various memories of the in-store equipment monitoring device of this embodiment. 6A... In-store equipment monitoring device (in-store equipment monitoring means), 50... Counter management machine, 51...
・Lobby management machine, 52...Unmanned corner management machine (totaling means), 53...Operation unit (operation means), 54...Display unit, 55... ... Printing section (output means), M2 ... Original balance memory (remaining amount storage means), M 3 , M 3 a-M 3
g...Loading memory (loading amount storage means), M4
．． M4a to M41...Deposit memory (deposit amount storage means), M5. M51 to M5g... Withdrawal memory (withdrawal amount storage means), M6. M6a~M6g...
・Remaining amount memory (remaining amount storage means), M7... Store-wide remaining amount memory (store-wide remaining amount storage means). Applicant: Laurel Bank Machine Co., Ltd. Figure 1

Claims (1)

[Claims] An in-store cash machine configured to monitor cash loading, deposits, withdrawals, and balances of cash in a plurality of money handling machines installed in a store of a financial institution, and to monitor the cash situation of the entire store. A management system comprising: a totalizing means for totaling each loaded amount, each deposited amount, each withdrawn amount, and each remaining amount of each of the money handling machines; an operating means; a loaded amount storage means for storing each amount loaded into each of the money handling machines; a deposited amount storage means for storing each amount deposited into each of the money handling machines; and each amount loaded from each of the money handling machines. Withdrawal amount storage means for storing the withdrawal amount; Remaining amount storage means for storing the remaining amount of each of the money processing machines; Original balance storage means for storing the remaining cash amount of the original party; and Storing the entire balance amount in the store. calculating the remaining amount of each of the money handling machines based on the loaded amount, deposited amount, and withdrawal amount or the loaded amount and withdrawal amount compiled by the aggregation means; an in-store equipment monitoring means for calculating the total balance in the store based on the total balance in the store; and an output means for outputting information including the loaded amount of each money processing machine, the deposited amount, the withdrawal amount, the remaining amount, and the total balance in the store. An in-store cash management system equipped with the following.