JPH03208197A - Cash management system - Google Patents

Abstract

PURPOSE:To deliver and receive cash without putting the hand of a man to it by using a cash storage means provided with a means which stores the amount of money in hand of the stored cash and in addition, displays it. CONSTITUTION:Plural receiving and paying means 18 for a paper money are connected to a control device 10, and further, receiving and paying machines 20 for coin are connected to the receiving and paying machines 18. The receiving and paying machines 18, 20 can be attached and detached to/from the cashier machines 12, 14 for the paper money and the coin so that the cash received and paid at a window can be transferred directly to each other, and besides, they are attached with portable cash cassettes 22, 24 for the paper money and the coin. Here, a cash cassette storage shelf 16 is constructed so that the cassettes 22, 24 can be attached and detached to/from it, and stores the cassettes 22, 24. Then, the control means 10 stores information related to the cash of a storage means and a display means attached to the cashier machines 12, 14, the receiving and paying means 18, 20, and the cassette 22, 24 in a second storage means at real time. The cassettes 22, 24, the cashier machines 12, 14, and the receiving and paying machines 18, 20 have peculiar identification codes respectively, and the cash can be delivered and received without putting the hand of a man to it.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of use in midwifery) The present invention relates to a cash management system for managing cash handled within a business office of a financial institution.

(Prior Art) Currently, the following management of cash is carried out within financial institutions, particularly banks.

Cash processing involves a first-line process in which a teller, who is in charge of customers, exchanges cash with the customer at the counter, and processes the exchanged cash, and a cash manager who looks at the amount of cash held by the teller. A cashier supplies cash when there is a shortage, and handles back-end processing when there is a surplus, collecting cash. Currently, cash is transferred and received between the teller and the teller through direct physical contact, and each time cash is transferred, the cash is counted and confirmed by hand. In this way, cash is transferred through direct contact with people, so this is to ensure that the necessary amount of cash is collected and handed over reliably, and also because cash is exchanged frequently between the teller and Terra. The cashier is handled by a dedicated person. Furthermore, in order to ensure that cash is transferred without error between both parties, a witness must be present at the time, so the transaction is always carried out by two people.

(Problems to be Solved by the Invention) As described above, the following problems arise because cash is transferred and received between the cash manager and the customer representative using human touch. In other words, it is an inefficient task of manually counting the amount of cash each time cash is frequently exchanged.

For this reason, there is a restriction that the cash manager must be a dedicated person in order to collect the necessary amount of cash and ensure that the cash is handed over.

Additionally, two cash managers are required to ensure that cash is transferred without error.

Furthermore, since cash is frequently transferred by hand, there is a heavy burden on cash managers and others to examine the cash within the store, and discrepancies between the cash and the information on the cash are likely to occur.

For this reason, it is difficult to move cashiers and disbursers online, and it is difficult to constantly monitor the amount of cash in the store in real time, check whether it matches the tally at any time, and discover unprocessed cash or mistakes.

The present invention solves the above problems and allows cash to be transferred between a cash manager and a customer representative within a financial institution's business premises without directly touching the cash, thereby eliminating the need for a cash manager. The purpose is to provide a cash management system that can grasp the amount of cash handled within a business store in real time.

Another object of the present invention is to provide a cash management system that allows a center to ascertain the amount of cash in a financial institution's business premises in real time.

(Means and effects for solving the problem) In order to achieve the above object, the cash management system of the present invention manages the amount of cash handled within a predetermined period in the business premises of a financial institution. at least one teller means for managing cash handled within a predetermined period within a business store; one or more deposit/withdrawal means for depositing and withdrawing cash and to which cash is conveyed from or to said teller means; A portable cash storage means that is removably attached to the depositing and dispensing means and the depositing and dispensing means in order to mutually transport cash, and that can transfer cash to and from the depositing and dispensing means when attached to the depositing and dispensing means. Cash having a first storage means and a display means for storing and displaying the amount of cash in the cash storage means and maintaining the storage and display when the cash is taken out from the deposit and withdrawal means or the teller means. a storage means for cash storage means to which the cash storage means is removably attached for storing at least one of the cash storage means taken out from the teller means and the deposit/withdrawal means; and is electrically connected to and controls the storage means for the cash storage means, the storage means for the cash storage means, and the storage means for the cash storage means;
The cash deposit/withdrawal means, and a control means for storing information regarding cash in the cash storage means attached to these and the cash storage means storage means in the second storage means in real time.

In the cash management system configured as described above, when there is a need to transport cash between the teller and payout means, the cash storage means transfers cash between the teller and payout means. Cash is exchanged without direct physical contact.

In addition, since the cash storage means taken out from the teller/disbursement means and the deposit/withdrawal means is stored in the storage means for cash storage means, the amount of cash in the financial institution's business premises is stored in the memory held by the control means via these means. This means that the amount of cash in the financial institution's branches can be grasped at all times.

Further, a system of the present invention that centrally manages information regarding cash of one or more of the above cash management systems in real time has at least one or more of the above cash management systems, and a system that centrally manages information regarding cash of one or more of the above cash management systems. an information collection means having a third storage means for centrally managing information; and a combination of the cash management system and the information collection means for transmitting information regarding cash from the one or more cash management systems to the information collection means. and a transmission medium that electrically connects the.

In a system that centrally manages information regarding cash in one or more of the cash management systems in real time configured as described above, the amount of cash in the business premises of a financial institution obtained by the cash management system is calculated based on the cash The information is transmitted by the management system via a transmission medium to an information collection means installed at a place such as a center, and is stored in the storage means of the information collection means, thereby allowing financial information to be processed at the place where the information collection means is installed. The amount of cash in the institution's business premises can be grasped in real time.

(Example) An embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a schematic block diagram of an embodiment of a cash management system in which the cash management system of the present invention is applied to cash management within a bank branch. In the figure, 1 indicates a cash management system, in which a banknote teller machine (teller means) 12 is connected to a control device (control means) 10, and a coin teller machine (teller means) 14 and cash A cassette storage shelf (storage means for cash storage means) 16 is connected. The banknote and coin teller machines 12 and 14 are controlled by a control system R.
Under the control of the IO, cash handled within a branch of a bank, which is a financial institution, for a predetermined period of time, for example, one day, is managed as described below. The control device 10 is further connected to a plurality of bill depositing and dispensing machines (depositing and dispensing means) 18, and these depositing and dispensing machines 1
A coin depositing and dispensing machine (depositing and dispensing machine means) 20 is connected to each of the coin depositing and dispensing machines 8. Deposit and withdrawal machines for banknotes and coins 18, 20
At the counter, the teller, who is in charge of the customer, processes cash exchanged with the customer as described below.

The banknote and coin teller machines 12 and 14 and the banknote and coin deposit and withdrawal machines M118 and 20 are equipped with removable and portable banknote and coin machines for mutually transferring cash without touching the cash directly. Cash cassettes (cash storage means) 22 and 24 are attached, respectively.

The cash cassette storage shelf 16 has a structure in which a plurality of banknote and coin cash cassettes 22 and 24 taken out from the teller machines 12 and 14 and the cash depositing and dispensing machines 18 and 20 can be removably attached thereto. , 24 can be stored.

The banknote and coin teller machines 12 and 14, the banknote and coin deposit and withdrawal machines 18 and 20, and the banknote and coin cash cassettes 22 and 24 each have a unique identification code (code) so that they can be individually identified. have.

The control device 10 has a telephone line 2 that transmits the amount of cash in the bank's branches to a host computer installed at the center.
A communication terminal 28 may be provided for transmitting via a transmission medium such as 6 or the like.

FIG. 2 is a diagram schematically showing the structure of the control device 10.

The control device IO basically has the same structure as a general computer system, and includes a central processing unit (CPU) 36.
, a ROM 3 that stores software for operating the control device 10.
2. A RAM 34 that stores data generated during operation, a disk drive 36 that stores information on the amount of cash in the bank's branch, a keyboard 38 that inputs data such as cash and control information, and displays this information. Display 4
0, the printer 42 that prints the information and the slip with the authentication stamp, the cash cassettes 22 and 24 are installed in the teller machine l2,
14. Cash deposit/withdrawal machines 18, 20 and cash cassette storage shelf l6
A timer 44 that monitors whether or not it is reattached to any of these within a predetermined time after being taken out from the machine, an interface 46 for teller machines, an interface 48 for depositing and dispensing machines,
It consists of a communication terminal interface 50. The disk device 36 includes teller machines 12 and 14 and deposit and withdrawal machines 18 and 2.
0 and the cash cassettes 22 and 24 each have a capacity to store at least one day's worth of history of the amount of cash stored therein.

FIG. 3 is a diagram showing the block structure and mutual connections of the bill teller 12, the coin teller 14, the cash cassette storage shelf 16, the bill cash cassette 22 and the coin cash cassette 24 attached thereto. It is.

The banknote account [112] includes a banknote input port 62 into which cash banknotes 60 deposited and withdrawn by customer staff or cash banknotes 60 deposited and withdrawn in large quantities is inserted, and a banknote discharge port from which cash banknotes 60 are discharged. 64 are provided. Bill slot 62
The inserted banknotes are sent to a banknote discrimination/counting unit 66, where the type of banknotes input is discriminated and the number of banknotes is counted for each type. The banknotes are then sent to the banknote storage 70 and stored there. At this time, information indicating the type and number of inserted banknotes obtained by the banknote discrimination/counting unit 66 is sent to the banknote control/information processing unit 72 having a microprocessor, and this information is used to control the banknote control/information processing unit 72. updates the amount information stored in the memory 74 of the banknote storage 70. At the same time, the updated amount information of the banknote storage 70 is transmitted to the control device 10 (second Figure).

The CPU 30 of the control device 10 stores the updated amount information of the banknote storage 70 in the disk device 36 together with the identification code of the banknote teller machine.

The method of this processing by the CPU 30 may be any known processing method such as interrupt processing or processing of scanning teller machines and deposit/dispensing machines.

When the banknotes in the banknote storage 70 are to be discharged from the banknote discharge port 64, the desired type and number of banknotes to be discharged from the keypad F38 (Figure VG2) of the control device IO and the banknote storage 70 are required.
When a command to eject a bill from the banknote dispensing port 64 is inputted, this information is sent by the CPU 30 (FIG. 2) to the teller interface 46 (FIG. 2) and the interface 76 of the bill teller machine l2. The banknotes are sent to the banknote control/information processing unit 72. The banknote control/information processing unit 72 controls the banknote storage 70 and the banknote temporary storage 68 based on the above information, and stores the specified number of banknotes of the specified type from the banknote storage 70 in the banknote temporary storage. The banknotes are discharged from the banknote discharge port 64 via the banknote 68. The banknote control/information processing unit 72 is a banknote storage 70 stored in a memory 74.
The information on the amount of money in stock is updated using the information on the type and number of banknotes instructed above. The updated amount information of the banknote storage 70 is stored in the disk device 36 of the control device 1O by the same operation as described above when inserting and storing banknotes into the banknote storage 70 from the banknote entry 62.

The banknote cash cassette 22 detects when the banknote storage box 80 is opened in a state in which banknotes are stored and taken out from the banknote storage box 80, the banknote deposit/withdrawal machine l4, and the cash cassette storage shelf l6. A detector 82, a memory 84 that stores the amount of each type of banknote currently stored in the banknote storage box 80 and door opening information indicating that the banknote storage box 80 has been opened, a memory 84 that stores the amount of storage and door opening information. It includes a display 86 for displaying information, an information processing unit 78 having a microprocessor for processing this information, and an interface 90 for transmitting and receiving information to and from the banknote teller machine 12 and the like.

By displaying the door opening information on the display 86 as described above, the security of the banknote cash cassette 22 is maintained. In addition, there is a banknote cash case 22 or a banknote teller machine l.
2. The banknote cash machine is designed so that the information stored in the memory 84 does not disappear even when it is removed from the banknote deposit/dispensing machine l4 and the banknote cash cent storage shelf l6, and the display 86 displays the information. An independent power supply (not shown) is built into the seventh unit 22.

Transfer of banknotes between the banknote teller machine l2 and the banknote cash cassette 22 is performed as follows. When transferring banknotes from the banknote account [12] to the banknote cash cassette 22, input the type and number of banknotes to be transferred from the keyboard 38 (FIG. 2) of the control device IO and the banknote cash cassette from the banknote storage 70. 22 is keyed in, this information is transferred to the banknote control/information processing by the CPU 30 (Fig. 2) via the teller machine interface 46 (Fig. 2) and the interface 76 of the banknote teller machine 12. sent to unit 72. The banknote control/information processing unit 72 controls the banknote storage 70 and the temporary banknote storage 68 based on the above information, and stores the specified number of banknotes of the specified type from the banknote storage 70 in the temporary banknote storage. 68 to the banknote storage box 80 of the banknote cash cassette 22. The banknote control/information processing unit 72 updates the information on the amount of banknotes in the banknote storage 70 stored in the memory 74 using the information on the type and number of banknotes that has been instructed. The banknote control/information processing unit 72 also sends information on the type and number of banknotes instructed to the information processing unit 88 via the interface 92 and the interface 90 of the banknote cash cassette 22, and sends the information to the information processing unit 88. Using this information, the I processing unit 88 updates the amount of banknotes stored in the banknote cash cassette 22 stored in the memory 84', and displays the updated amount of banknotes for each type of banknotes on the display 86. It is displayed and sent to the banknote control/information processing unit 72. The banknote control/information processing unit 72 sends the updated amount information of the banknote storage box 80 together with the identification code of the banknote cash cassette 22 and the updated amount information of the banknote storage 70 to the banknote teller machine 12. This information is sent to the control device RlO together with the identification code, and this information is sent to the disk device 36 by the CPU 30 of the control device IllO.
is memorized.

Also, when transferring banknotes from the banknote cash cassette 22 to the banknote teller machine l2, the same operation as described above is performed to transfer banknotes and banknotes. The amount information of the teller machine 12 and the banknote cash cassette 22 attached thereto is updated, and the updated information is stored in the disk device 36 of the control device IO.

The banknote teller machine l2 is further provided with a console 94 and a display 96, and by switching to the local mode, operations similar to those described above from the keyboard 38 of the control device R10 can be performed. The amount of banknotes in stock and control information are displayed. Note that the console 94 and the display 96 may be independent from the banknote teller machine l2. The banknote teller machine 12 is also connected to a banknote control/information processing unit 72 in order to be able to send and receive information and control information regarding cash to and from the coin teller machine 14 and the cash case storage shelf l6, as will be described later. interfaces 98 and 100 are provided.

The structure and function of the coin teller machine l4 are the same as the banknote teller machine l2, and the difference is that the former handles coins and the latter handles banknotes, and the banknote teller machine l2 and the coin teller machine 14 are master-slave. It is only a point that arises from a relationship. Therefore, the elements of the coin teller @ l4 that have similar configurations and functions to the elements of the banknote teller machine l2 are shown in Fig. 3.
It is indicated by the reference number of element 2 plus 500.

Coin teller machine 141J, coin input port 562 for inserting coins 102, coin discharge port 564 for discharging coins 102, coin discrimination/counting unit 566, coin temporary storage 568,
Coin storage 570, coin control/information processing unit 572
, an interface 592 for transmitting and receiving information to and from the coin cash cassette 24, and an interface 598 for transmitting and receiving information to and from the banknote teller machine 12.

The structure and function of the coin cash cassette 24 are similar to the banknote cash cassette 22 except that it handles coins and banknotes. Therefore, the elements of the coin cash cassette 24 that have similar configurations and functions to the banknote cash cassette 22 are indicated by the reference numbers of the elements of the banknote cash cassette 22 plus 500 in FIG. . The coin cash cassette 24 is equipped with a detector that detects when the coin storage box 580 is opened while the coin storage box 580 is removed from the coin storage box 580, the coin teller machine 14, the coin deposit and withdrawal machine 18, and the cash cassette storage shelf 16. 582, memory 584, display 586, information processing unit 588, and interface 590.

The operation in which the coin 102 is inserted through the coin input port 562 and stored in the coin storage 570 is similar to the above-described operation of the banknote teller machine 12.

Further, the operation of discharging the coins stored in the coin storage 570 from the coin discharge port 564 and the operation of transferring coins between the coin teller machine l4 and the coin cash cassette 24 are also performed by the banknote teller machine l2. The operation is similar to that of the banknote cash card 22 described above, but the differences are as follows. That is, when a command is entered from the keyboard 38 of the control device 10 to specify the desired type and number of coins and the destination for release or transfer, the commanded information is transferred to the banknote teller machine l2 described above.
The banknotes are sent to the banknote control/information processing unit 72 of the banknote teller machine l2 by the same operation as in . The banknote control/
The information banknote unit 72 sends this command information to the coin control/information processing unit 57 via the interfaces 98 and 598.
Send to 2. The operations of the coin teller machine l4 and the coin cash cassette 24 attached thereto based on the command information sent to the coin control/information processing unit 572 are similar to the aforementioned operations of the banknote teller machine l2.

Note that the banknote teller machine l2 and the coin teller machine l4 may be integrally configured. Furthermore, a plurality of banknote teller machines 12 and/or coin teller machines 14 may be provided depending on the scale of the application.

Furthermore, the banknote teller machine l2 can be provided with a banknote bundling function, the coin teller machine l4 can be provided with a coin paper wrapping function, and both teller machines l2 and I4 can be provided with a counterfeit money discrimination function. .

As described above, the cash case storage shelf l6 has a structure in which a plurality of banknote cash cassettes 22 and coin cash cassettes 24 can be detachably attached, and the cash in the attached banknote and coin cash cassettes 22, 24 can be removed. An information processing unit 104 is installed from the microphone processor to send information about the cash cassettes 22 and 24 together with the identification codes to the control device 10 via the banknote control/information processing unit 72 of the banknote teller machine 12. cash cassette 22,
24 and an interface 108 connected to the interface 100 of the banknote teller machine 12. Cash cassettes 22, 2 attached to the cash cassette storage shelf 16
The above information of No. 4 is retrieved from the memory 84, 584 by the information processing unit 88, 588 of the cash case 22, 24 and sent to the information processing unit 104 of the cash case storage shelf 16 via the interface 90, 590, and 106. This sent information is sent to the arm information processing unit 104.
The banknote control via the interfaces 108 and 98
The information is sent to the information processing unit 72, and this information is sent to the control device IO by the banknote control/information processing unit 72 through the interface 76 and teller machine interface 46 (Fig. 2).
(1) CPU 3 04:-Failure h is stored in the disk device 36 by the CPU 30. In this way, the amount of cash in each of the bill and coin cash cassettes 22 and 24 stored in the cash cassette storage shelf l6 is also managed in real time.

This cash cassette storage shelf 16 performs the following extremely important function essential to this system, as will be clear from the operation of this system described later.

In order to facilitate the frequent transfer of cash between teller machines 12 and 14 and cash deposit/withdrawal machines 18 and 20, the amount that can be stored in teller machines 12 and 14 during one day's operation is determined. In order to store cash in excess of
Since more cash cassettes 22, 24 are used than the number of installed teller machines 12, 14 and cash deposit/withdrawal machines 18, 20, more cash cassettes 22, 24 than the number of installed cash cassettes 22, 24 are stored, and the stored cash cassettes 22, 24 are stored. It works to understand the amount of cash in real time.

FIG. 4 is a diagram showing the block structure and mutual connections of the bill deposit/dispensing machine 18, the coin deposit/dispensing machine 20, the bill cash cassette 22, and the coin cash cassette 24 attached thereto. be.

The structures and functions of the bill depositing and dispensing machine 18 and the coin depositing and dispensing machine 20 are basically the same as those of the bill teller machine 12 and the coin teller machine 14, respectively. The difference is that in order to make the surface of the teller machine more compact, the teller machine for banknotes and coins is
2. The banknote and coin storage cassettes 22 and 24 for banknotes and coins are made to have the function of the banknote and coin storage without providing a storage corresponding to the banknote and coin storage W storage unit 70, 570 of 14.

Therefore, among the elements shown in FIG. 4, those having similar configurations and functions to those of the banknote and coin teller machines 12 and 14 shown in FIG. 3 are designated by the same reference number plus 1000. . The banknote deposit/withdrawal machine l8 includes a banknote inlet 1062 into which banknotes 60 are placed, a banknote outlet 1064 which takes out banknotes,
Banknote discrimination/counting unit 1066, banknote temporary storage 10
6B, banknote control/information processing unit l 0 7 2, memory 1074, interface with control device lO 1 0
7 6. Interface 1 with banknote cash cassette 22
092, a console 1094, a display 1096, and an interface 1098 with a coin depositing and dispensing machine 18. The coin depositing and dispensing machine 20 includes a coin entrance 1562 into which coins 102 are placed, a coin exit 1564 which takes out coins, a coin discrimination/counting unit 1566, and a coin temporary storage 156.
8, the coin control/information processing unit 1572, the interface 1592 with the coin cash cassette 24, and the interface 1598 with the banknote deposit/dispensing machine 18.

The banknotes inserted into the banknote inlet 1062 of the banknote deposit/withdrawal machine 18 are sent to a banknote discrimination/counting unit 1066, where the type of banknote inserted is discriminated, and the number of banknotes for each type is counted. The banknotes are sent to the temporary banknote storage 1068, and further sent to the banknote storage box 80 of the banknote cash case 22 by the banknote temporary storage and stored therein. At this time, banknote identification and
Information indicating the type and number of inserted banknotes obtained by the counter Unisol I-1066 is sent to the banknote control/information processing unit I-1072.
The banknote control/information processing unit I/107
2, the information processing unit 8 of the banknote cash force Sesoto 22
Sent to 8th. The information processing unit 88 uses the information representing the type and number of input banknotes sent to the memory 84.
updates the amount of stored cash stored in the banknote cash power cents 22, displays the updated amount of stored cash on the display 86, and controls the banknote control/information processing unit l07.
Send to 2.

The banknote control/information processing unit 72 sends the updated amount information of the banknote storage box 80 to the control device 10 together with the identification code of the banknote cash force set 22, and this information is stored on a disk by the CPU 30 of the control device 10. stored in device 36.

When taking out the banknotes stored in the banknote storage box 80 of the banknote cash cassette 22 from the banknote outlet 1064, the type and number of banknotes to be transferred and the banknotes from the banknote storage box 80 are sent from the console 1094 of the banknote deposit/disbursement machine 18. Exit 1 064
When the command to send the banknotes to the banknotes is keyed in, the banknote control/information processing unit 1072 controls the banknote temporary storage unit 1068 based on this information to remove the specified type of banknotes from the banknote storage box 80. Temporary banknote storage 106 for the number of bills
The banknotes are taken out from the banknote outlet 1064 through the banknote 8. The banknote control/information processing unit 7} 1072 sends information on the type and number of banknotes to the information processing unit 788 of the banknote cash cassette 22.
send to The information processing unit 88 uses the sent information to update the amount of cash in the banknote storage box 80 stored in the memory 84, and the updated cash amount information is stored together with the identification code of the banknote cash unit 22. Banknotes Population: 106
The information is stored in the disk device 36 of the control device IO by the same operation as when inputting from 2.

In the coin depositing and dispensing machine 20, the coin 102 is inserted into the coin entrance 1.
562, the operation of storing coins in the coin cash cassette 24, the operation of discharging the coins through the coin outlet 1564, and the associated operation of storing updated coin inventory information in the disk device 36 of the control device 10 are as follows. Other than the difference, the operation is the same as that for banknote deposits and withdrawals @ig.

That is, the information on the amount of cash in the coin storage box 580 is determined by the coin control system.
From the information processing unit 1572 to the interface 1598
, 1098 to the banknote control/information processing unit 107
The command 1 keyed in from the console 1094 of the banknote deposit/withdrawal machine 18 when issuing coins from the coin cash input unit 24 through the coin outlet 1564. 'i# information is sent to the interface 1098, 15 by the banknote control/information processing unit l072.
98 to the coin control/information processing unit 1572.

Note that the banknote deposit/withdrawal machine #i&1B and the coin deposit/withdrawal machine 20 may be configured as one unit. In addition, both deposit and withdrawal machines l8,
20 may be provided with a counterfeit money discrimination function.

Furthermore, the control system of the banknote and coin depositing and dispensing machines 18 and 20 may be incorporated into a conventional one-line terminal device for one-line processing.

Referring again to FIG. 2, the operation of the timer 44 provided in the control device IO will be described. The CPU 30 is configured such that all the cash cassettes 22 and 24 in the business store are attached to either the banknote and coin teller machines 12 and 14, the cash cassette storage shelf l6, and the banknote and coin deposit and withdrawal machines 18 and 20. A signal for checking whether the banknote is present or not is sent to the banknote teller machine 12 and the banknote deposit and withdrawal machine 22 at a predetermined period. Based on this inspection signal, the banknote control/information processing unit 72 of the banknote teller machine 12 controls the banknote cash force 7/t2 attached to itself.
2, sends an inquiry signal to it and obtains information on its identification code. Further, the banknote control/information processing unit 72 controls the coin teller machine l4,
An inquiry signal is also sent to the cash cassette storage shelf 16, and the coin control/information processing unit 1.572 and the information processing unit 104 of the cash cassette storage shelf 16 output the coin cash cassette 24 and the coin cash cassette 24 installed therein. An inquiry signal is sent to the banknote cash cassette 22 to obtain their identification codes, and this information is sent to the banknote control/information processing unit 7.
Send to 2. The banknote control/information processing unit 1/72 includes a banknote and coin cash cassette 22 attached to a banknote and coin teller machine l2 and a cash storage shelf l6,
24 identification codes are sent to the CPU 30.

The respective identification codes of the coin cash cassettes 24 attached to the bill and coin deposit/disburse I1!18 are also C
Sent to PU30.

The CPU 30 determines which banknotes and coins cash registers 22 and 24 are not attached based on the identification code information of the installed banknotes and coins cash registers 22 and 24.
At the same time, the corresponding timer (not shown) in the timer 44 is turned on to measure time. The CPU 30 is
When the identification code of the banknote and coin cash registers 1, 22, and 24, which are timed using the above inspection signal, is obtained, the corresponding timer stops measuring time. When the timer counts a predetermined time, it issues an alarm signal along with the corresponding identification code. As a result, the teller or the official can use the banknote and coin cash cassettes 22, 24 with the alarmed identification code.
is not installed in any of the banknote and coin teller machines 12 and 14, the banknote and coin deposit and withdrawal machines 18 and 20, and the cash cassette storage shelf 16 within a predetermined period of time. Information can be quickly obtained and security can be ensured.

The operation of the system configured in this way will be explained below. In order to manage the cash handled each day within a bank's business premises, at the start of business, the executive officer in charge of cash management takes out the necessary banknotes and coins from the large safe inside the bank and stores them in their respective locations. Banknote and coin teller machine l2,
14 into the banknote and coin slots 62, 562, and then into the banknote and coin storages 70, 570 by the above-described operation.

In addition, under the management of executives, Teller and others stored facsimiles in Omoto's safe.
The cash power for banknotes and coins controlled by the Song Dynasty 22, 2
4, the banknote and coin teller machines 12 and 14, the cash cassette storage shelf I6, and the banknote and coin deposit and withdrawal machine 18.
, attached to 20. Control device 1. 0 keyboard 3
The initial setting command keyed in from 8 causes the teller machine l2,
l4, cash cassette storage WllI. 6, Deposit/withdrawal val8,
20 and cash cassettes 22, 2 attached thereto.
The amount of cash in all 4 is individually stored in the disk device 361 of the control device io, and the initial setting is completed.

Next, the business begins, and the teller, who is in charge of the counter, collects the banknotes and coins 6 that have been exchanged with and received from the customer through the operations described above.
0,102 for banknotes and coins deposit/withdrawal F! 1ig, 20
A cash case for banknotes and coins 7h attached from the banknotes and coins population 1062, 1562, and a console 1094 that is placed in the banknotes and coin storage boxes 80, 580 of 2, 24, and also installed in the banknote deposit/withdrawal machine l8. Enter the type and number of banknotes or coins to be taken out from the banknote and coin storage box 80, 580 to the banknote and coin outlet 106.
4, issued via l564. Each time cash is deposited or withdrawn in this manner, the aforementioned operation causes the disk device 36 of the control device 10 to operate the banknote and coin deposit/disburse machines 18, 2.
0 cash amount information is stored and cash is managed in real time.

After such operations are repeated, the teller displays the display 1096 of the banknote deposit/withdrawal machine 18 to display the banknote and coin deposit/withdrawal ll! When it is learned that the banknotes or coins stored in the banknote and coin cash cassettes 22 and 24 attached to the banknotes and coins 18 and 20 are at the storage limit, 24, and transport it to the banknote and coin teller machines 12 and 14, and replace it with the banknote and coin cash registers 22 and 24 attached to the banknote and coin teller machines 12 and 14, or
If the cash cassette 14 is in use, it is attached to the cash cassette storage shelf 16. Next, Teller installed a teller machine l2 for banknotes and coins,
Cash force cents for banknotes and coins taken out from l4 2
2, 24 or the banknote and coin cash case 22, 24 stored in the cash case storage 116, which stores an appropriate number of appropriate types of banknotes and coins, Coin deposit/withdrawal machine l8, 2
Attach to 0.

Next, the teller uses deposit and withdrawal machines for banknotes and coins l8 and 20.
Cash force set 22 for banknotes and coins attached to
, 24 is at the lower storage limit, the banknote or coin cash cassette 22, 24 at the lower storage limit is taken out and attached to the cash/cent storage shelf 16. Next, the teller uses the keyboard 38 of the control device 1O to input the desired banknote or coin 0 type and number and the banknote or coin teller machine l2, l4.
A transfer command to the bill or coin cash cassettes 22, 24 is keyed in, and the bills or coins are transferred to and stored in the bill or coin cash cassettes 22, 24. Teller is
The banknote or coin cash registers 1, 22, 24 are taken out from the banknote or coin teller machine 12, 14, and transported and attached to the banknote or coin deposit/dispenser machine 18, 20 described above. Note that the cash cassettes 22 and 24 for banknotes or coins containing an appropriate number of appropriate types of banknotes or coins in the cash drawer storage shelf 16 are displayed on the indicators 86 and 5 of the cash cassettes.
86 may be selected and taken out, and transported and attached to the banknote or coin deposit/dispensing machine 18, 20.

When the teller transported the banknote and coin cash cassettes 22 and 24 to the banknote and coin tellers 12 and 14, the teller removed the banknote and coin storage 70 of the banknote and coin teller machines 12 and 14.
, 570, when it is learned from the display 96 that the number of banknotes and coins stored in the banknotes and coins is at the storage limit, the necessary number of banknotes and coins are transferred to the attached banknote and coin cash cassettes 22 and 24 by the transfer operation described above, The cash cassette 22, 2
4 is taken out and transported to and attached to the cash cassette storage shelf l6. Moreover, when the banknotes and coins stored in the banknote and coin teller machines 12 and 14 are at the storage lower limit, the teller performs the operation opposite to the above.

Such operations are repeated, and at the end of the day, the disk device 36 of the control device 10 performs normal aggregation processing based on the amount of cash in the store, and the executives check them and the process ends.

As explained above, the banknote and coin teller machines l2, l
4. Cash between banknote and coin deposit and withdrawal machines 18 and 20 (
For movement of banknotes and coins, cash is stored in cash cassettes 22 and 24 for banknotes and coins and is transported. Therefore,
Since the cash does not come into direct contact with human hands, the teller can directly transport it by himself, and there are also banknote and coin teller machines 12 and 14 and the banknote and coin cash cassettes attached to them. The transfer of banknotes and coins between 22 and 24 is also carried out without any human hands touching these banknotes and coins, so the teller can directly transfer banknotes and coins by himself. This eliminates the need for two cashiers, which can lead to business savings.

In addition, when cash was handed over between two cashiers and a teller as in the past, three people had to monitor each other, which caused a decline in morale. This will help improve morale.

FIG. 5 shows a schematic structure of a system for centrally managing in real time, at a center such as a head office, information regarding cash in a branch, which is obtained from the cash management system shown in FIG. 1 installed at each branch of a bank, for example. It is a diagram. In the same figure, l20 is a cash information collection device installed at the center for centrally managing cash information, and a host computer 1
22. Disk device 124 for storing cash amount information
and a communication terminal 126. The communication terminal 126 is connected to each communication terminal 28 provided in the plurality of cash management systems 1 via a communication line 128 such as a telephone line. Each control device 1i1 installed in each cash management system
0 sends the updated cash amount information to the communication line 12g via each communication terminal 28 every time the cash amount is updated. This updated cash amount information is sent to the communication terminal 12.
6 and sent to the host computer 122, and the host 1 computer 122 stores it in the disk device 124.
It is written in ta. In this way, the center can also manage the amount of cash in each business store in real time.

FIG. 6 is a schematic perspective view of a banknote teller machine according to a one-shot embodiment of the present invention. In the figure, 70 is a banknote storage, 60 is a banknote input port, 64 is a banknote output port, 130 is an authentication printing port used in the local mode, 94 is a console used in the 1fucal mode, and 132 is a banknote cash input port. 22 is the car 1 ridge loading port. In the banknote teller bay l2 shown in FIG.
6 consists of a plurality of storage cabinets, has a structure that can be pulled out, and has a mechanism for printing authentication on slips.

FIG. 7 is a schematic perspective view of a banknote cash case/notebook according to an embodiment of the present invention. In the figure, 134 is a bill entrance/exit, 84 is a bill and door opening information display window, and 90 is an interface 90 for transmitting and receiving information regarding bills to and from the bill teller machine 12 or the bill deposit/dispensing machine 18.

FIG. 8 is a schematic perspective view of a cash power set storage shelf according to an embodiment of the present invention. Cash power cent storage 4111 shown in the same figure
6 can accommodate six banknote cash cassettes 22 and 12 coin cash cassettes 24, and the figure shows a state in which three of the former and seven of the latter are installed. It goes without saying that the number of banknote and coin cash cassettes that can be accommodated in the cash cassette storage shelf can be adjusted as needed. Further, a plurality of cash and cent storage shelves may be provided and these may be connected in a master-slave relationship like a teller machine for banknotes and coins.

In addition, control device 1! In addition to the display 40 of the ilO, a monitor am may be provided for executives and the like to display a teller machine, a deposit/dispensing machine, a cash storage shelf, and the amount of cash in these and cash cassettes.

Although an embodiment of the cash management system in which the cash management system of the present invention is applied to cash management within a bank's business premises has been described, the cash management/system of the present invention is applicable to cash management within a bank's business premises. However, the present invention can also be applied to cash management within the business premises of businesses such as the financial industry and securities industry where cash is exchanged with customers within the business premises.

[Advantageous Effects of the Invention 1] Since the present invention is structured as described above, it produces the following effects.

By using a cash storage means that can store cash and has means for storing and displaying the amount of stored cash, the exchange of cash between the teller means and the deposit/withdrawal means can be carried out in cash. This can be done without touching the hands at all.

By using the storage means for the cash storage means, a customer representative or one person can smoothly transfer cash between the teller means and the deposit/withdrawal means, and also manage the cash in the teller means. This eliminates the need for a cash manager, such as a cashier, which was previously required, making it possible to save on manpower.

Furthermore, in the past, cash was exchanged between a cash manager and a customer representative by counting the necessary amount of cash and handing it over. Counting is automated, and cash is exchanged between both parties without any human hands touching the cash, increasing the probability that cash will be exchanged correctly between the teller and deposit/withdrawal means.

As a result of increasing the probability that cash will be transferred and received correctly between the teller means and the deposit/withdrawal means, the amount of cash in the teller means, the deposit/withdrawal means, the storage means for the cash storage means, and the cash storage means attached to these can be reduced. There is value in constantly grasping the information, and by storing it in a storage means in real time, effective online accounting becomes possible. Then, the amount of cash in the store can be grasped at all times, and by checking whether it matches the total at any time, it becomes possible to easily discover unprocessed cash or mistakes.

Furthermore, the information on the amount of cash, which is grasped in real time by the cash management/system of the present invention installed in the business premises of a branch office, is transmitted in real time to a place that centrally manages information regarding cash, such as a center, via a transmission medium. By sending this information, the center etc. can grasp the amount of cash in the branch office in real time.

[Brief explanation of drawings]

Fig. 1 is a block diagram of an example of a cash management/system in which the cash management system of the present invention is applied to cash management within a bank branch, and Fig. 2 is a control diagram of an embodiment of the present invention. FIG. 3 is a diagram schematically showing the configuration of the device, and shows a banknote teller machine, a coin teller machine, a cash cassette storage shelf, a banknote cash cassette and a coin cash unit attached to these, according to an embodiment of the present invention. FIG. 4 is a diagram showing the block configuration and mutual connections of the banknote depositing and dispensing machine of one embodiment of the present invention, the coin depositing and dispensing machine, and the bill cash case y (and FIG. 5 is a block diagram showing the block configuration and mutual connections of coin cash cassettes. FIG. 5 is a block diagram of an embodiment of a system that uses the cash management system shown in FIG. 1 and centrally manages information regarding cash in the system at a center. 6 is a schematic perspective view of a bill teller machine according to an embodiment of the present invention, FIG. 7 is a schematic perspective view of a bill cash cassette according to an embodiment of the present invention, and FIG. It is a schematic perspective view of a cash/cent storage shelf of one embodiment. 10. Control device, 12: Banknote teller machine, : Coin teller machine, 16: Cash case/tooth storage shelf, : Banknote deposit/dispensing machine. 20: Coin deposit/withdrawal machine, : Cash cassette for banknotes, : Cash power cent for coins, l24: Disk device, memory, 86: Display unit, : Cash information collection device, 128: 1i telephone line, 14 18 22 24 3 6, 8 4: 120

Claims (1)

[Scope of Claims] 1. A cash management system that manages the amount of cash handled within a business office of a financial institution within a predetermined period of time, comprising at least: a single teller means; one or more deposit/withdrawal means for depositing/receiving cash and transporting cash from/to said teller means; and mutual transfer of cash between said teller means and said deposit/withdrawal means. A portable cash accommodating means that is removably attached to the teller means and the deposit/withdrawal means to transfer cash to and from them when attached to the teller means and the deposit/withdrawal means, and stores the amount of cash in the cash accommodating means. - a cash storage means having a first storage means and a display means for displaying and maintaining the memory and display in the state of being taken out from the depositing and dispensing means or the depositing and dispensing means; a cash accommodating means storage means to which the cash accommodating means is removably attached for storing at least one or more said cash accommodating means taken out; The cash dispensing means, the depositing and dispensing means, and the cash storing means, which are electrically connected to and controlling the cash dispensing means and the cash storing means storage means, and attached to the dispensing means, the depositing and dispensing means, and the cash storing means A cash management system comprising: control means for storing information regarding cash in the cash storage means in the second storage means in real time. 2. The cash management system according to claim 1, wherein the predetermined period is one day. 3. The cash management system according to claim 1 or 2,
A cash management system characterized by having a banknote dedicated teller means for processing only banknotes and a coin dedicated teller means for processing only coins as the teller means. 4. The cash management system according to claim 1 or 2,
A cash management system characterized in that the depositing and dispensing means includes a bill depositing and dispensing means that processes only banknotes, and a coin depositing and dispensing means that processes only coins. 5. The cash management system according to claim 1 or 2,
A cash management system characterized in that the cash storage means includes a bill-only cash storage means that stores only banknotes, and a coin-only cash storage means that stores only coins. 6. The cash management system according to claim 1 or 2,
A cash management system characterized in that the cash storage means attached to the deposit/withdrawal means is commonly used as a safe for storing cash to be taken in and taken out of the deposit/withdrawal means. 7. The cash management system according to claim 1 or 2,
The control means includes a first detection means for detecting which cash storage means is taken out when each of the cash storage means is taken out from the teller means, the deposit/withdrawal means, or the storage means for cash storage means. a second detection means for detecting that the removed cash storage means is reattached to any one of the teller means, the deposit/withdrawal means, and the storage means for cash storage means; and the first detection means. further comprising a timer means which operates in response to an output from the second detection means, outputs an alarm after a predetermined time has elapsed, and stops operating within the predetermined time in response to an output from the second detection means. A cash management system characterized in that the cash storage means is prevented from being illegally taken out of the cash storage means, the deposit/withdrawal means, and the storage means for cash storage means. 8. The cash management system according to claim 1 or 2,
The cash accommodating means has a shutter means for preventing the cash stored in the cash accommodating means from being taken out when the cash accommodating means is taken out from the cash storing means, the depositing and dispensing means, and the storage means for cash accommodating means, A cash management system characterized in that when the shutter means is opened in the removed state, the fact is displayed on the display means. 9. Information collecting means having at least one cash management system according to claim 1, and having a third storage means for centrally managing information regarding cash of the one or more cash management systems; a transmission medium electrically connecting the cash management system and the information collection means to transmit information regarding cash from the one or more cash management systems to the information collection means; A system that centrally manages cash information in real time.