JPH0330903B2 - - Google Patents

Description

[Detailed Description of the Invention] This Hatomei is a system in which external relations staff (diplomats, customer representatives, etc.) of financial institutions such as banks go to customers and collect deposits, and then bring these deposits back to the branch. The present invention relates to a deposit processing machine for automatically processing deposits.

Traditionally, when a bank's sales representative deposited a deposit at a customer's location, the sales representative would issue a receipt to the customer, prepare a transaction slip as a copy of the receipt, and record the deposited cash, deposit passbook, and transaction information. After taking the slip back to the branch and comparing the cash with the total transaction slip amount, create a deposit slip for each transaction, enter this slip data into the online terminal to update the center file, and then Mechanical entries were made in the bankbook, however, this type of deposit aggregation work requires complicated work in various places. In other words, the first step is to issue and prepare receipts and transaction slips at the customer's location, and then after returning to the branch, the cash and transaction slips are checked, the check results are verified by the teller, and the deposit slips for each customer are checked. This includes work such as issuing invoices and inputting slip data into online terminals. Among these business processes, in recent years, portable terminal devices have been proposed for issuing receipts at customer sites, creating transaction slips, and inputting data into online terminals after returning to the branch. For example, Japanese Patent Publication No. 55-83958).

This portable terminal device 1) collects data on customers visiting on that day from the center file, issues receipts based on data key-in at the customer site, stores customer data, and stores data at the branch office. 2) update the customer's center file through a telephone line directly from the customer and update the customer's center file, and Some are designed to record deposits on the spot. however,
There are legal problems with the method of directly updating the center file from the customer, and furthermore, it has not yet been put to practical use due to problems such as computer crime. Also,
The only way to communicate with the center machine after returning to the sales office is through data entered into a portable terminal device, and there is no rationalization for matching the data with the deposited cash brought back by the sales staff. This requires manual accounting and verification of tellers, executive positions, etc., as in the past. Therefore, the purpose of the present invention is to automatically match the data collected from a portable terminal device brought by a sales representative to a customer site with the deposited cash brought back to the sales branch, and to store data in the center file based on the match. To provide a deposit processing machine that performs updates.

This invention will be explained below.

The present invention relates to a deposit processing machine, and at least a portable one having a key input device, a storage device for storing input data from the key input device, and a data output mechanism for outputting data from the storage device. a terminal device; an automatic banknote deposit machine that counts mixed denomination banknotes by denomination and stores the banknotes therein; and a banknote automatic deposit machine that counts mixed denomination coins by denomination and stores the coins therein; The automatic coin deposit machine is connected to the automatic bill deposit machine and the automatic coin deposit machine, and the counting data of the automatic banknote deposit machine and the automatic coin deposit machine are stored, and also to the data output mechanism of the portable terminal device. an arithmetic storage device having a connectable data input mechanism and a temporary memory for temporarily storing data from the portable terminal device; input data automatically input from the portable terminal device; In this system, the counting data obtained by counting the coins corresponding to the input data by an automatic bill depositing machine and an automatic coin depositing machine are compared in an arithmetic storage device.

Next, one embodiment of the present invention will be described with reference to the drawings. Fig. 1 shows the overall configuration of the deposit processing machine of the present invention, and shows a desk-shaped master terminal 1 disposed in the center. includes a CRT display device 11 for displaying data, etc., a printer 12 for printing and outputting data, etc., a floppy disk device 3 for storing data, etc., and reading data on a personal authentication card (ID card). It is equipped with a card reader 14 and a keyboard 15 through which an operator or the like inputs data. A portion for attaching a portable terminal device 100 is provided on the left side of the master terminal 1, and an automatic coin deposit machine 200 is connected to the left side of the processing desk, and an automatic banknote deposit machine 300 is connected to the right side of the processing desk. . As shown in FIG. 2, the automatic coin deposit machine 200 includes a control unit 201 including a counting display and a keyboard.
a coin hopper 202 that receives and loads coins of mixed denominations from above;
Temporary holding unit 2 by denomination that temporarily holds selected fraction coins (all coins from the cash brought back by the sales staff)
03, and a cash deposit box 204 for each denomination, which receives the sorting and counting result of one lot when it matches the corresponding data of the portable terminal device 100. Also,
As shown in FIG. 3, the automatic banknote deposit machine 300 has a control unit 301 including a count display and operation keys, a hopper 302 for receiving and loading mixed denomination banknotes from the front, and a hopper 302 for loading banknotes after sorting and counting. Among them, there is a return slot 303 for returning identification tickets, a temporary holding section 304 for temporarily holding one lot of banknotes in a standing position, and a portable terminal device 100 for storing the sorting and counting results of one lot of banknotes. When the data matches the corresponding data, the deposit box 30 receives the data.
5.

In addition, in this invention, the automatic banknote deposit machine 3
00, when mixed denomination banknotes are loaded into the hopper 302 all at once, the mixed denomination banknotes are counted by denomination and then taken into the temporary holding section 304 and deposit box 305 again in bulk. It's summery.
However, instead of this type of automatic banknote deposit machine,
It is also possible to use a banknote sorting and counting machine that temporarily stores and takes in banknotes by denomination.

By the way, the electrical hardware configuration of the master terminal 1 is as shown in Figure 4, and includes a microprocessor unit (MPU) 20.
The controller is designed to control each hardware of the master terminal 1, as well as perform calculation reading and writing of data, and although not shown, it includes a ROM for storing programs and a RAM as a temporary memory for programs. . Further, the keyboard 15 is configured to select and start various programs, and input data to the MPU 20, and the serial interface 21 transmits and receives data to and from the attached portable terminal device 100. The parallel interface 22 takes in data from the automatic coin deposit machine 200 and the automatic banknote deposit machine 300 to the MPU 20 side via control units 201 and 301, respectively. and,
The CRT display device 11 receives input data from a keyboard 15, various data from a portable terminal device 100, an automatic coin deposit machine 200, an automatic banknote deposit machine 300, and a center file that is received via a communication interface 16 (described later). In addition to displaying data, various statuses of the master terminal 1 are also displayed. The printer 12 is designed to print out account closing data for each sales representative, center file update data written to a floppy disk (described later), or data sent to the center file via a communication interface as a slip. The floppy disk device 13 is used as a storage device when batch processing data for updating the center file. In this case of batch processing, the floppy disk containing the data is sent to the master terminal 1 of the present invention or other online terminal device to update the data in the center file. The card reader 14 is a device that reads the personal authentication card (ID card) 2 of a sales representative, and the communication interface 16 sends and receives customer information and center file update data to and from the center file.

Further, the temporary memory 23 is used to temporarily store the payment data collected by the sales representative on the portable terminal device 100 at the customer site, for one sales representative. Transaction details for each customer, transaction total amount by item (regular, checking, regular, etc.), ticket type (cash, store ticket, other store ticket, etc.) total amount (including number of checks for checks), temporary memory 24
is a coin automatic deposit machine 200 and a banknote automatic deposit machine 30
It has an area for storing the denomination amount of cash for one sales representative sorted and counted by 0 and its total amount, as well as the number of checks such as our store tickets, other store tickets, etc. input from the keyboard 15. It also has an area for storing amount data. In addition, the master memory 25 has files such as transaction details for each customer, account totals for each person in charge, account totals, ticket type totals, etc. When updating this master memory 25, each data in the temporary memories 23 and 24 matches. It will be done at the time.

On the other hand, the electrical hardware configuration of the portable terminal device 100 that a sales representative brings to a customer site is as shown in FIG. In addition to controlling the software, it also performs data calculation, reading, and writing. The liquid crystal display 102 displays data input from a keyboard 106, which will be described later, various calculation results, the status of the terminal device, etc.
0 control programs are stored.
The RAM 104 is used as a memory area for this system and a user memory area, and the battery and voltage regulator 105 supply power to each hardware when the terminal device 100 is used disconnected from an external power source. supply
Note that the built-in regulator supplies power to each piece of hardware through this regulator when the terminal device 100 is connected to an external power source.

Further, the keyboard 106 is used for inputting deposit data at the customer's site and inputting commands for controllers of each hardware, and the printer (for example, a thermal printer) 107 is used for issuing receipts and transaction slips at the customer's site, A hand scanner 110 is connected to the input/output interface 108 for printing data. In addition, this hand scanner 11
0 is used by a sales representative at a customer's site to read data on the magnetic stripe attached to a customer's bankbook, such as the depositor code, but instead of this hand scanner 110, a portable terminal device is used. It is recommended that a fixed magnetic stripe reader be provided on the side. Furthermore, serial interface 109
connects the terminal device 100 to the master terminal 1, and sends data in the terminal device 100 to the master terminal 1.
Used to receive customer information from.

Next, the operation of this invention will be explained.

The sales representative brings the portable terminal device 100 to the customer's location, reads the customer code and passbook amount using the hand scanner 110, and also uses the portable terminal device 100 to read the deposit amount, account, type of bill, etc. from the customer.
input from the keyboard 106 and store these transaction detail data in the RAM 104. Next, after verifying the details of the deposit and the total deposit, the user presses the print key on the keyboard 106 to print out a receipt on the printer 107, and can take home a copy of the receipt as a remittance slip. After returning to the store, the sales representative attaches the portable terminal device 100 to a predetermined position on the master terminal 1, inserts his/her own ID card 2 into the card reader 14, and has it read, thereby registering as a person in charge. MPU of master terminal 1
20 reads the data of the ID card 2 and compares it with the already registered sales representative data, and if data corresponding to the card data exists,
This allows the sales representative to perform subsequent operations. In this way, the ID card 2 is used to confirm the contact person, but it is also possible to confirm the identity of the person by inputting a passcode assigned to each contact person from the keyboard 15. .

After confirming the identity of the contact person in this way,
When the sales representative presses the payment key on the keyboard 15,
The MPU 20 instructs the portable terminal device 100 to transmit data through the serial interface 21. As a result, the portable terminal device 100
The MPU 11 receives a data transmission command from the master terminal 1 via the serial interface 107, reads data such as transaction details, totals by item, and totals by ticket type stored in the RAM 104, and sends the data via the serial interface 109. Send to master terminal 1 side. MPU20 of master terminal 1 is serial interface 21
When the transmission data is received through , each data is stored in the corresponding area of the temporary memory 23.

Next, the sales staff sorts the collected cash into coins and banknotes, loads the coins into the hopper 202 of the automatic coin deposit machine 200, loads the banknotes into the hopper 302 of the automatic banknote deposit machine 300, and starts the keyboard 15. Activate each device by pressing a key. The MPU 20 of the master terminal 1 discriminates the denomination each time a counting pulse is obtained from the banknote automatic teller machine 300 or the coin automatic teller machine 200 through the parallel interface 22, and stores "+1" in the cash memory area for each denomination in the temporary memory 24. Perform addition. In parallel with such automatic counting of cash, the sales staff enters the amount of cash and foreign payments brought home, that is, checks such as our store ticket, other store ticket (1, 2, ...), etc. from the keyboard 15, and the MPU 20 When a key input signal arrives from the keyboard 15, the input data is determined and the corresponding amount is added to the ticket type memory area of the temporary memory 24. In addition, the coins sorted and counted by the automatic coin deposit machine 200 are temporarily reserved by denomination in the temporary retention unit 203 by denomination, and the banknotes sorted and counted by the banknote automatic deposit machine 300 are mixed again and held in the temporary retention unit 303.
will be temporarily put on hold. When all the coins and banknotes have been counted, the deposit machine outputs a counting end signal.

When the sales representative presses the settlement key on the keyboard 15 after the MPU 20 receives each of the above counting completion signals,
The MPU 20 compares the cash memory, the store ticket memory, the other store ticket memory, etc. in the temporary memories 23 and 24 in correspondence with each other. Then, when all the comparisons match, the MPU 20 determines that the actual cash and check data brought back by the sales representative match the data that the sales staff entered into the portable terminal device 100 at the origin, and sends a verification match signal. Output.
When the sales representative presses the transfer key on the keyboard 15 after this verification match signal is output, the MPU
20 adds each classification data in the temporary memory 23 to the corresponding memory area of the master memory 25, adds the data for each denomination in the temporary memory 24 to the physical memory 26, and adds it to the floppy disk of the floppy disk device 13. Write transaction details for each customer in the temporary memory 23. In addition,
The purpose of writing customer-specific transaction details to the floppy disk is to update the customer data in the center file in batches using the floppy disk at the time when the customer-specific transaction details of all sales representatives are written to the floppy disk. This is for sending online.
Therefore, without using a floppy disk, the transaction details for each customer in the customer-specific transaction details storage area of the master memory can be sent to the center file via the communication interface 16 when all the sales staff have completed their calculations. You may also do this. After writing the transaction data to the floppy disk, the MPU 20 uses the printer 12 to print out all the transaction data of the sales representative by item, ticket type, and denomination for settlement purposes. When the transfer key is pressed in this way, the MPU 20 transfers each data to the corresponding memory area as described above, while the automatic coin deposit machine 2
0 and automatic banknote deposit machine 300 are ordered to take temporarily reserved coins and banknotes into their respective deposit boxes 204 and 305.

When the clerk presses the total key on the keyboard 15 when the deposit processing for all the sales representatives is completed as described above, the MPU 20 displays information for all sales staff by subject.
The ticket type and denomination data are printed out as a review sheet via the printer 12. At this time, the amount by denomination is
Coin automatic deposit machine 200 and banknote automatic deposit machine 300
cash match. Thereafter, the aforementioned floppy disk is placed on an online terminal as a batch process, thereby updating the customer data in the center file.

As described above, according to the deposit processing machine of the present invention,
Unlike conventional payment processing methods that only use portable terminal devices, there is no need for the check results of data and deposits to be verified by tellers, executives, etc.
In addition to automatically processing the payment for the sales representative,
This method has effects that cannot be obtained by a method using a simple portable terminal device.

In addition, in the above embodiment, MPU is used as each central processing unit of the master terminal and portable terminal device.
However, it is not limited to MPUs, but general CPUs (Central, Processing
Unit) technology may also be used. Furthermore, the external configurations of the master terminal, automatic coin deposit machine, and automatic banknote deposit machine are not limited to those shown in FIGS. 1 to 3, and may be modified in various ways.

[Brief explanation of drawings]

Fig. 1 is an external view showing an example of a deposit processing machine of the present invention, Fig. 2 is an external view showing an example of the automatic coin deposit machine, Fig. 3 is an external view showing an example of the automatic banknote deposit machine, FIG. 4 is a block diagram showing an example of the circuit configuration of the present invention, and FIG. 5 is a block diagram showing an example of the configuration of a portable terminal device used in the present invention. 1... Master terminal, 11... CRT display device, 12... Printer, 13... Floppy disk device, 14... Card reader, 15...
Keyboard, 16...Communication interface, 2
0,101...MPU, 21...Serial interface, 22...Parallel interface, 2
3, 24...temporary memory, 25...master memory, 26...physical memory, 100...portable terminal device, 200...coin automatic deposit machine, 300
...Banknote automatic deposit machine.

Claims (1)

[Scope of Claims] 1a A portable terminal device having at least a key input device, a storage device that stores input data from the key input device, and a data output mechanism that outputs data from the storage device; b. Count mixed denomination banknotes by denomination, and
an automatic banknote deposit machine that stores the banknotes inside the banknotes; c. counts coins of mixed denominations by denomination;
a coin automatic deposit machine that stores the coins therein; d) the bill automatic deposit machine and the coin automatic deposit machine are connected to each other, and each counting data of the banknote automatic deposit machine and the coin automatic deposit machine is stored; an arithmetic storage device having a data input mechanism connectable to a data output mechanism of the portable terminal device and having a temporary memory for temporarily storing data from the portable terminal device; The input data automatically input from the device and the counting data obtained by counting the currency corresponding to this input data by the automatic banknote deposit machine and the automatic coin deposit machine are collated in the calculation storage device. A deposit processing machine using a portable terminal device, characterized in that: