JPH0444978B2 - - Google Patents

Description

Detailed Description of the Invention [Technical Field of the Invention] The present invention provides a teller processing system in which a teller counter and a cash teller machine are connected by a conveyance means in a financial institution, etc., in which the teller processing capacity is adjusted according to the load of the conveyance means. The present invention relates to a counter processing system that can prevent deterioration.

[Technology background]

Office automation has made remarkable progress in recent years, and various tasks have been automated. In particular, since financial institutions and the like handle cash, there is a high demand for automation in order to further increase the reliability of the transactions. For this reason, automatic cash dispensing machines and automatic deposit machines were developed.
It is used to automate operations that handle cash. On the other hand, since these machines are automatic machines installed separately from normal counters, and their use is limited to depositing and withdrawing money from accounts using cash cards, it is desirable to automate normal counter operations. It is rare.

[Prior art and problems]

In order to automate such counter operations, a counter processing system shown in FIG. 1 has been developed. This teller processing system consists of a teller counter 1 and a cash teller machine 2.
and are connected by a conveying means 3.

The teller counter 1 is provided with a cash handling slot 10, a teller terminal 11, and a teller deposit machine 12 for depositing cash, and the cash teller machine 2 includes an automatic cash dispenser 2a and an automatic cash storage machine 2b. The conveying means 3 is a linear motor car having a rail 3b that connects the cash teller machine 2 and the teller counter 1, a conveying carrier 3a that moves on the rail 3b, and a stator 3c that drives the conveying carrier 3a. It is configured. These are controlled by a controller 4, and the conveying means 3 is further controlled by a linear motor controller 5. In this teller system, in the deposit operation, the teller inserts the cash received from the customer from the teller into the cash handling slot 10, loads it directly onto the transport carrier 3a, and inputs the deposit amount etc. from the teller terminal 11. The control device 4 controls the conveyance carrier 3 of the counter 1 via the linear motor controller 5.
A is driven along the rail 3b to the cash teller section 2, and the cash loaded on the transport carrier 3a is stored in the safe of the automatic cash storage machine 2b. This may be done through the teller deposit machine 12. In this case, the teller deposit machine 12 discriminates the cash and confirms the deposited amount, and then the money is loaded onto the transport carrier 3a. On the other hand, for withdrawal operations, the teller uses Teller Terminal 11.
When a withdrawal command and a withdrawal amount are input to the controller 4, the conveyance carrier 3a of the teller counter 1 is driven along the rail 3b to the automatic cash dispenser 2a, and the money is dispensed from the safe of the automatic cash dispenser 2a. Cash corresponding to the withdrawal amount is loaded onto the conveyance carrier 3a, and the conveyance carrier 3a conveys the cash to the teller counter 1 along the rail 3b, and causes the teller to take out the cash from the cash handling opening 10.

In such a counter processing system, cash can be transferred between the safe and the counter without the need for a cashier, so counter operations can be omitted, cash management can be centralized, and it is also excellent in crime prevention. It is extremely effective for use in cash handling operations.

However, when the load on the conveyance means 3 increases, the waiting time for cash to arrive at the counter increases, resulting in a problem that the processing capacity per counter decreases.

[Purpose of the invention]

An object of the present invention is to provide a counter processing system that can prevent a decline in counter processing capacity and further improve the processing capacity at the counter.

[Structure of the invention]

In order to achieve the above-mentioned object, the present invention connects a teller counter and a cash dispensing machine by a conveyance means, and when dispensing money, the cash dispensing machine connects the cash dispensing machine to a conveyance carrier of the conveyance means. In a counter processing system in which cash is loaded and the transport carrier moves along a transport path to transport disbursed cash to the counter, a number tag with an identification number is issued for the user during the dispensing process. A number plate issuing machine, and a cash dispensing machine that takes out the cash to be dispensed conveyed by the transport carrier and dispenses the cash to the user by inserting the user's number plate, The system is characterized in that the banknotes are handed over to the user, and the user operates the cash dispensing machine to obtain the dispensing cash.

Further, embodiments of the present invention are as follows.

The number plate issuing machine is provided at the counter and is connected to a teller terminal for inputting transaction data to control issuance.

The cash dispensing machine is characterized in that it disburses money after confirming that the dispensing cash corresponding to the inserted number tag has arrived by the transport carrier and has been withdrawn.

The cash dispensing machine is characterized in that it instructs the cash dispensing machine to dispense an amount corresponding to the inserted number tag.

The cash dispensing machine includes a transaction-specific cash stacker capable of accommodating withdrawal cash for a plurality of transactions, and withdraws the withdrawal cash corresponding to the inserted number tag from the transaction-specific cash stacker. It is a feature.

[Embodiments of the invention]

Hereinafter, the present invention will be explained in detail with reference to Examples.

FIG. 2 is an overall configuration diagram of an embodiment of the present invention,
In the figure, the same parts as in Figure 1 are indicated by the same symbols, and 13 is a number plate issuing machine, which issues an identification number (for example, a series of number plates) when payment is required at the time of transaction approval.
6 is a cash withdrawal machine, and by inserting the number tag given by the teller, the user withdraws cash for the corresponding transaction. The cash is dispensed from the cash dispensing machine 2a and conveyed by the conveying means 3.

Next, the configuration of each part of the embodiment configuration shown in FIG. 2 will be explained in detail.

FIG. 3 is a detailed configuration diagram of the conveying means 3.
Figure A is a detailed configuration diagram of the conveyance carrier 3a, and in the figure, 30 is a container, which has a lid 31.
is supported by a hinge 34 and can be opened. 32
is a paper storage body, 33 is a coin storage body,
35 is a base that stores paper and coins, and is provided inside the container 30.
0, and has a rotor plate (secondary conductor) 36 corresponding to the rotor of the motor at the center of the lower part and guide plates 37 on both sides of the lower part, 38 and 39 are guide rollers, and are provided before and after each guide plate 37. It is something that can be done. FIG. 3B is a detailed configuration diagram of the rail 3b.The rail 3b has a generally U-shaped cross section as a whole, and has an upper guide 3d and a lateral guide 3e. 3c is a stator, which is provided on the lower surface of the rail 3b and has a coil wound thereon;
The rotor plate 36 of the conveyance carrier 3a is located between the pair of stators 3c, and the conveyance carrier 3a is accelerated (or started) driven or braked by applying a current to the coil. The stator 3c is provided on the rail 3b at the station shown in FIG. 2, that is, at a stop position (for example, the position of the cash dispenser 2a and the cash dispenser 6) and at an appropriate position between the stations.

FIG. 3C shows the coupling relationship between the transport carrier 3a and the rail 3b, in which the transport carrier 3a is connected to the rail 3b.
When fitted together, the rotor plate 36 is positioned between the pair of stators 3c as described above, and the guide rollers 39 of the guide plate 37 come into contact with the inner surfaces of the lateral guides 3e of the rails 3b to guide the conveyance carrier 3a in the lateral direction. The upper guide 3 of the rail 3b
A pair of guide rollers 3 on both sides of the guide plate 37
8 is sandwiched therebetween and acts as a guide in the vertical direction of the conveyance carrier 3a. Therefore, the transport carrier 3
A is guided by the rail 3b and moves.

FIG. 4 is a block diagram of the number plate issuing machine 13 having the structure shown in FIG. 2, FIG. 4A is a front view thereof, and FIG. 4B is a diagram of its internal structure. In the figure, 130 is a number plate stacker, which stores the number plates to be issued, and the number plate is a card-shaped one made of paper or plastic. 131 is a number recording part. , pierce the identification number on the number plate taken out from the number plate stacker 130, stamp the bar code,
It is recorded by OCR characters, magnetic recording, etc., and is composed of a punching machine or a barcode recording machine, etc. 132 is the number plate exit, which is the exit for the number plate with an identification number attached. .

Figure 5 shows the Terror Terminal (hereafter
This is a perspective view of 11 (referred to as OTM) in the figure.
0 is an input section, consisting of a keyboard,
111 is a display for the teller to input transaction data and commands, and displays input data, external data, and commands.
Reference numeral 112 denotes an insertion slot of the bankbook recording section, which is used to insert a bankbook to be recorded into the internal recording section.

FIG. 6 is a detailed configuration diagram of the cash dispensing machine 2a, which is composed of a paper dispensing section 20 and a coin dispensing section 21. In the figure, 21a, 21b, 221
22 is a banknote retrieval unit, and 21a, 21b,
23 is a primary pool unit that takes out the designated number and amount of banknotes from 21c;
2 pools the bills taken out, and 24 is a bill sending section, which sends the bills in the primary pool section 23 all at once to the bill discharging section. 25a is a hardened storage (safe) for storing coins; 25b is a coin ejecting section; the coin storage 25
The number and amount of coins instructed by a are taken out, put into a primary pool, and sent to the coin dispensing section.
Reference numeral 26a denotes a banknote discharging unit, which discharges banknotes from the banknote sending unit 24 to the banknote storage body 32 of the transport carrier 3a lifted by the lift mechanism;
Reference numeral b denotes a coin discharge section, which guides the coins from the coin take-out section 25b and discharges them into the coin storage body 33 of the transport carrier 3a.

7 is a lift mechanism, which lifts the carrier 3a on the rail 3b to the rail 3 as explained in FIG.
This is for lifting the cover 31 from the carrier 3a to the lower part of the cash discharging parts 26a and 26b and opening the lid 31 of the carrier 3a.

FIG. 7 is a configuration diagram of the lift mechanism 7, and in the figure,
Reference numeral 70 denotes a lift belt, which is provided on both sides of the conveyance carrier 3a, and is provided with a bracket 71, in which a pin 71a of the bracket 71 engages with an engagement hole (not shown) in the base 35 of the conveyance carrier 3a; Reference numerals 72 and 73 indicate pulleys, and their rotation moves the lift belt 70 to engage the conveyor carrier 3 with the pin 71a of the bracket 71.
75 is a motor that moves a up and down, and a pulley 76 is used to drive the lift belt 70.
The rotation of the pulley 76 is transmitted to the pulley 73 by the belt 74, and the lift belt 70
It is what drives the. Reference numeral 3f denotes a hinge, which is provided only at the station position where the lift mechanism is provided, and rotates the horizontal guide 3e of the rail 3b to connect the upper and horizontal guides 3d and 3e of the rail 3b and the guide rollers 38 and 39 of the conveyance carrier 3a. This is to release the engagement of the transport carrier 3a and release the restraint of the transport carrier 3a. Therefore, the transport carrier 3a travels on the rails 3b, and when it reaches the target station, it stops at the target station due to the braking force of the stator 3c at the relevant position, and then the lift belt 70 moves slightly upward and closes the bracket. The pin 71a of 71 is engaged with the engagement hole of the base 35 of the transport carrier 3a, and the horizontal guide 3e is rotated around the hinge 3f by a release mechanism (not shown) to release the rail 3b and release the restraint of the transport carrier 3a. This allows the lift belt 70 to perform a lifting operation. after that,
The lift belt 70 is driven by the rotation of the motor 75, and the conveyance carrier 3a is driven upward.
It is positioned at the lower part of the cash dispensing parts 26a and 26b. This position is the home position of the transport carrier 3a, and the transport carrier 3a is provided at each station in FIG. 2, and is positioned at the home position (corresponding to the siding line) of the station when not in use. On the other hand, the rail 3b is released and returns to its original position after the lift operation, and is used as a rail for the passage of another transport carrier 3a. When the transport carrier 3a is used, the rail 3b is released and the transport carrier 3a is moved by the lift belt 70.
moves downward and descends to the rail 3b, and the rail 3b returns, and the guide rollers 38, 39 of the conveyance carrier 3a and the upper and horizontal guides 3 of the rail 3b
d and 3e. The lift belt 70 further descends and touches the pin 71a of the bracket 71 and the base 3.
5, and release the engagement with the engagement hole 5, and then
is released, allowing the transport carrier 3a to run on the rail 3b. Note that an opening/closing mechanism (not shown) is provided for opening and closing the lid 31 of the transport carrier 3a at the home position.

FIG. 8 is a block diagram of the cash dispenser 6 having the configuration shown in FIG. 2. In the figure, 60 is a number plate entrance for the user to insert a number plate, and 61 is a number plate reader. , a device that reads the identification number attached to the number tag, 62 is a number tag collection unit, and the number tag reading unit 5
63 is a cash retrieval unit that collects the number tag read in step 1, and is equipped with a retrieval roller 63a at the tip, rotates around a shaft 63b, and is raised to the cash retrieval position shown in the figure by a lift mechanism 7. The roller 6 takes out cash from the cash container 32 of the conveyance carrier 3a.
3a is a part for inserting and taking out cash, 64 is a sending part, which sends the cash taken out by the cash takeout part 63a to a pool/discharge part to be described later, 65 is a pool/discharge part, and the cash is sent by the sending part 64. 66 is a cash outlet, which allows the user to withdraw cash.

FIG. 9 is a block diagram of the configuration shown in FIG. 2. In the figure, the same parts as shown in FIGS.
114 is an interface section for communicating with the controller 4, and 115 is an interface section that is composed of a microprocessor and controls the entire OTM 11 using the internal memory 13a. 27, which exchanges data with the number plate issuing machine 13;
67 is a control unit of the cash dispensing machine 2a, which receives dispensing commands from the controller 4 and controls each part of the cash dispensing machine 2a; 67 is a control unit of the cash dispensing machine 6, which receives dispensing commands from the controller 4; Each part of the cash dispenser 6 is controlled based on the following.

Next, the operation of the embodiment configuration shown in FIGS. 2 to 9 will be explained with reference to the withdrawal processing flowchart shown in FIG. 10.

In order to request a transaction (payment, transfer, etc.), a user hands over a slip (such as an in/out slip) and a passbook to a teller via a counter 1. Teller is based on the slip
Transaction data is input from the input unit 110 of the OTM 11 and transmitted to the controller 4.

The controller 4 temporarily stores the transmitted transaction data in the memory 4a, and then transmits the transaction data to the center. The computer at the center uses a file containing each user's deposit balance to approve or disapprove transactions. For example, in the case of a payment transaction, approval is determined by comparing the deposit balance of the account with the transaction amount, and in the case of a transfer transaction, approval is determined depending on whether the transfer destination account exists. As a result, if the transaction is approved, the center sends an approval signal and processing data (updated deposit balance) to the controller 4, and if the transaction is not approved, the center sends an approval/disapproval signal to the controller 4 (command/data analysis). If the transaction is possible, the controller 4 takes a withdrawal processing serial number, and thereafter this serial number serves as an identification number for processing.

Next, the controller 4 controls the transport carrier 3a of the corresponding AD station (cash withdrawal machine 6).
In order to move to the AC station (cash dispensing machine 2a), drive communication is performed to the linear motor controller 5. For example, the AD station issues a drive command as the departure station and the AC station as the arrival station. Along with this, the controller 4 communicates a dispensing command for the dispensing amount to the cash dispensing machine 2a.

This allows linear motor controller 4
drives the lift mechanism 7 (FIG. 8) of the AD station to lower the transport carrier 3a from the home position and engage it with the rail 3b. Next, the stator 3c of the AD station is driven to start the transport carrier 3a. The linear motor controller 5 is the rail 3c
The position of the conveyance carrier 3a is detected by the output of a sensor (not shown) provided at a predetermined interval above, and the stator 3c at the passing point of the rail 3b is driven one after another, and the conveyance carrier 3a is moved to the rail 3b.
run along. When the transport carrier 3a reaches the AC station in this manner, this is detected by the output of the sensor, and the stator 3c of the AC station is reversely excited to brake the transport carrier 3a and stop it. Furthermore, the linear motor controller 5 drives the lift mechanism 7 located in the AC station, and moves the transport carrier 3a.
is removed from the rail 3b, raised, and the lid 31 is opened. As a result, the linear motor controller 5 notifies the controller 4 of the completion of the process.

On the other hand, the cash dispensing machine 2a receives the dispensing command and starts dispensing operation. That is, as explained in FIG. 6, predetermined banknotes are taken out from the banknote storages 21a, 21b, 21c by the takeout part 22 under the control of the control part 27, pooled in the primary pool part 23, and similarly The takeout unit 25b takes out the coins from the coin storage 25a and pools them. When this extraction counting is completed, the controller 4 is notified of the completion of counting. The controller 4 receives the completion of counting and processing, detects the completion of loading preparation, and notifies the OTM 11 of this (normal completion).
It is displayed on the display 111 of the OTM 11 and notified to the counter teller.

Next, the controller 4 updates the withdrawal amount counter in the internal memory. Along with this, Carrier 30
Perform final processing to load cash into. That is, the controller 4 gives a loading start command to the cash dispensing machine 2a. When the transport carrier 3a is lifted to the lower part of the discharge parts 26a and 26b by the lift mechanism 7, the lid 31 is opened by the lid driving mechanism (not shown) as shown in FIG. The storage body 32 rotates to make it easier to accept banknotes, and the coin storage body 33 also tilts forward.
Coins are becoming more accepted. Cash dispenser 2a
In response to this loading start command, the banknote feeding unit 24 and banknote discharging unit 26a are driven to transfer banknotes from the primary pool unit 23 to the banknote storage body 3 of the transport carrier 3a.
2 and load cash. Similarly, the coin takeout section 25b is driven to send coins from the primary pool to the coin discharge section 26b, where they are discharged into the coin storage body 33 and loaded with cash. Upon completion of this loading, a completion notification is transmitted to the controller 4.

The controller 4 thereby gives a passbook printing command to the OTM 11, sends the passbook printing data, and
The control unit 113 controls the bookkeeping unit to make a note in the inserted passbook. Next, the control unit 113 sends issuance data (issuance command and withdrawal processing number) from the interface circuit 115 to the number plate issuing machine 1.
Send to number plate issuing machine 13 and stacker 13
The number plate 0 is taken out and sent to the number recording section 131, where the number recording section 131 records a serial number on the number plate, and the number plate is issued from the exit 132.
Then, the teller hands over the registered passbook and the issued number tag to the user, completes the teller's transaction processing, and performs the transaction processing for the next transaction request.

At the same time, the controller 4 performs carrier return processing. The controller 4 issues a drive command to the linear motor controller 5 to set the departure station as the AC station and the arrival station as the AD station. Accordingly, the linear motor controller 5 drives the lift mechanism 7 (FIG. 6) of the AC station.
That is, the lid 31 of the transport carrier 3a is closed by the aforementioned lid drive mechanism (not shown), and the transport carrier 3a is lowered to engage with the rail 3b. Next, the linear motor controller 5
The stator 3c of the station is driven to start the transport carrier 3a. Similarly to the above, the linear motor controller 5 drives the stators 3c at passing points on the rail 3 one after another, causing the transport carrier 3a to travel along the rail 3b. When the transport carrier 3a arrives at the AD station in this way, the stator 3 of the AD station
c is reversely excited to brake the transport carrier 3a,
Make it stop. Furthermore, the linear motor controller 5 controls the AD station lift mechanism 7 (eighth
) is driven, and the transport carrier 3a is moved to the rail 3b.
Remove it, raise it, and return it to the home position. Furthermore, the lid driving mechanism (not shown) of the lift mechanism 7 is driven to remove the lid 31 of the transport carrier 3a.
to open. As a result, the linear motor controller 5 notifies the controller 4 of the termination notice, and the controller 4 conveys this to the teller terminal 11a, displays it on the display, and notifies the teller at the counter.

Next, the controller 4 gives an unloading (removal) command to the cash dispenser 6. In the cash retrieval machine 6, the control section 67 receives this and drives the cash retrieval section 63 to remove the banknotes and coins storage body 3 of the transport carrier 3a.
Cash is taken out from 2, 33 by its take-out roller 63a and sent to a sending section 64, which sends it to a pooling section/discharging section 65. As a result, the withdrawn cash is stored in the cash withdrawal section 6, and thereafter waits for the user's withdrawal operation.

Next, the operation of the cash dispenser 6 by the user will be explained. FIG. 11 is a flowchart of the withdrawal operation of the cash withdrawal machine 6.

The control unit 67 then detects whether a number plate has been inserted into the number plate entrance 60 using a sensor (not shown) provided at the entrance 60, and when the number plate is inserted, the number plate reading unit 61 detects the inserted number. The serial number of the bill is read and the collection unit 62 collects it.

The serial number read by the reading unit 61 is sent to the control unit 6.
7, the control unit 67 compares the serial number (withdrawal processing serial number) included in the withdrawal command from the controller 4, and if they do not match (NO
If so), issue an alarm and exit. At this time,
The inserted number tag may be returned to the entrance 60 without being collected by the collection unit 62.

As a result of the comparison by the control section 67, if they match (if OK), the control section 67 opens the shutter of the pool/discharge section 65 and releases the pool/discharge section 65.
The withdrawn cash is sent to the cash withdrawal port 66. As a result, the user takes out the withdrawn cash from the outlet 66 by his/her own hand. The control unit 67 controls the output port 6 by a sensor (not shown) provided at the output port 66.
6, the user detects the withdrawal of cash, completes the withdrawal operation, returns to the initial state, and notifies the controller 4.

In this way, the teller knows that the cash is in the cash dispensing machine 2a.
When the transaction is completed, the bankbook and number tag are handed over to the user and the transaction process is completed without waiting for the transaction to arrive.
Transaction processing and withdrawal processing are separated so that withdrawal processing is performed using the number tag handed to the user. Therefore, the teller can proceed with the next transaction without waiting for the cash to arrive by the conveyance means 3, which improves counter processing and relieves the teller from the mental burden of handling cash. Furthermore, since the user operates the cash dispenser 6 to perform the withdrawal process by inserting a number tag, it is safe to receive cash.

In the example above, controller (SYSCON) 4
When it was determined that the transaction had been completed (approval), the conveyance means 3 and the cash dispensing machine 2a were activated to perform the dispensing process, but the insertion of the number plate into the cash dispensing machine 6 was the trigger for the dispensing process. Output processing may also be performed.

FIGS. 12 and 13 are payment processing flow diagrams of other embodiments.

(b) When the serial number is collected in the above-mentioned step, the controller 4 executes the step and controls the OTM 11 to print the passbook and issue a number plate. At this stage, the teller hands over the registered passbook and the issued number tag to the user, completes the transaction process, and begins the next transaction process. Next, the controller 4 enters a state of waiting for number plate insertion. Of course, even during this time, if transaction data is input from the OTM 11, the processing in step 2 is performed.

(b) When the user inserts a number plate into the cash dispenser 6, the control section 67 detects this in the same way as the step, and causes the reading section 61 to read the serial number (serial number) of the number plate. When the control unit 67 receives notification of the serial number from the reading unit 61, it notifies the controller 4.

(c) The controller 4 stores the withdrawal data (serial number, account number,
Since the payment amount, etc.) is stored, the corresponding payment data is searched from the memory 4a by comparison.

(d) Next, the controller 4 performs the steps described above.
, , , and move the transport carrier 3a.
The AD station is moved to the AC station, the cash dispensing machine 2a dispenses cash corresponding to the amount to be dispensed, the money is loaded onto the transport carrier 3a, and the transport carrier 3a is moved from the AC station to the AD station.

(e) Next, the controller 4 instructs the cash dispenser 6 to unload and unload, as in step. After the loading and unloading, the cash dispenser 6 opens the shutter of the pool/discharge section 65 and sends the cash to the cash dispensing port 66 to allow the user to withdraw cash.

According to this embodiment, a plurality of cash withdrawal machines 6 are provided at the counter 1, and the user can perform withdrawal processing using any of the cash withdrawal machines, so the order of transaction processing and withdrawal can be changed. Even if the order of money processing does not necessarily match, the withdrawal operation can be performed smoothly.

Furthermore, in order to increase reliability, the account number may be recorded on the issued number tag, and the number tag reader 51 may also read the account number recorded on the number tag and compare it with the account number in the withdrawal data. This makes it possible to prevent fraud due to forgery of number tags, etc.

Next, in the case of a large withdrawal amount, a cash dispensing machine,
There are cases where the cash dispenser cannot handle or is not suitable for handling, and in this case, it is necessary to avoid dispensing money using the numbered tag.

For this purpose, the controller 4 checks whether the withdrawal (payment) amount from the center is within the limit amount at the time when the transaction is concluded in the above-mentioned step.
This limit amount is set based on the assumption that payment (withdrawal) will be made in units of the withdrawal limit number of coins or bundles of 100 coins from the dispenser or take-out machine.

When the controller 4 determines that the withdrawal amount is equal to or greater than the payment limit, the controller 4 prohibits withdrawal processing using the numbered ticket. That is, the controller 4 does not perform the dispensing process or the carrier movement process, but instead causes the OTM 11 to display on its display 111 that manual payment will be displayed, and notifies the teller. The teller receives the withdrawn cash from the teller, records it in the bankbook as described above, and hands the bankbook and cash to User B.

Next, another embodiment of the present invention will be described.
In this embodiment, in the first embodiment described above, if the user does not operate the cash withdrawal machine 6 forever, the next user cannot perform the withdrawal process, so the cash withdrawal machine 6 is used to dispense cash for multiple transactions. is stored.

FIG. 14 is a configuration diagram of a cash dispenser 6 used in another embodiment of the present invention, in which the same parts as in FIG. 8 are indicated by the same symbols, and 68 is a cash stacker for each transaction. , has a structure capable of accommodating cash for multiple transactions, and has, for example, multiple accommodating positions. Corresponding to this, the cash dispenser 6 in FIG.
The control unit 67 is provided with a management table 67a that stores withdrawal data (serial numbers, etc.) stored in each storage position.

Next, the operation of the cash dispenser 6 having the structure shown in FIG. 14 will be explained with reference to the operation flowchart shown in FIG. 15.

It is assumed that the transaction processing and carrier dispensing processing are the same as those described in FIG. 10, and that the transaction-specific cash stacker 68 stores disbursed cash.

(A) The control unit 67 detects whether a number plate has been inserted into the number plate entrance 60 using a sensor (not shown) provided at the entrance 60, and when the number plate is inserted, the number plate reading unit 61 detects whether the number plate has been inserted. The serial number on the number plate is read and the collection unit 62 collects it. Step (D) if insertion of number tag is not detected
Proceed to.

(B) Next, the control section 67 receives the serial number read from the reading section 61 and checks it against the contents of the management table 67a. As mentioned above, the serial number from the controller 4 has already been registered in the management table 67a in correspondence with the accommodation position of the transaction-specific cash stacker 68. Therefore, the control unit 67 uses the withdrawal data (serial number ) and the read serial number. After this verification, if there is no match (if NO), the withdrawal cash of the corresponding transaction is still available at the withdrawal machine 6.
There is a possibility that the information has not been received or is fraudulent, so we will issue an alarm to force the teller to take appropriate measures.
Notify the teller and proceed to step (D). In this case, the inserted number tag may be returned to the entrance 60 without being collected by the collection unit 62.

(C) If there is a match (if OK) through the comparison and verification described above, the control unit 67 obtains the corresponding storage position from the management table 58a, and releases the discharge unit 6.
5, the storage position of the transaction-specific cash stacker 68 is positioned correspondingly, and the dispensing part 65 is made to take out the disbursed cash at that position.
release to. In addition, cash statistics by transaction 68
shall move up and down so that each accommodation position is positioned at a position corresponding to the discharge section 65 and the feed section 64. As a result, the user takes out the withdrawn cash from the outlet 66 by his/her own hand. When the control unit 67 detects the withdrawal of cash by the user from the withdrawal port 66 by a sensor (not shown) provided at the withdrawal port 66, the control unit 67 erases the withdrawal data registered in the management table 67a and starts the next transaction. Allows for counting, taking out, and storing minutes.

(D) The control unit 67 terminates step (C) or
When no number plate is detected in (A) or in step (B)
In the case of NO, it is detected whether there is an unloading command from the controller 4 explained in the previous step. If there is no unloading command, the process returns to step (A). On the other hand, when there is an unloading command, the control section 67 drives the cash removal section 63 to remove the banknotes and coins accommodating body 32 of the transport carrier 3a, as in the step.
The cash is taken out from 33 by its takeout roller 63a and sent to a sending section 64. At the same time, the control unit 67 refers to the management table 67a to find an empty storage position in the transaction-specific cash storage stacker 68,
The cash stacker 68 is moved up and down to make the empty storage position face the sending part 64, and the cash taken out by the sending part 64 is stored in the empty storage position of the transaction-specific cash stacker 68. After the accommodation is completed, the withdrawal data relating to the area corresponding to the accommodation position in the management table 67a is registered, and the process returns to step (A).

As described above, in this embodiment, since the withdrawal operation is left to the user's operation, if the user does not withdraw the withdrawal operation for a long time, he will not be able to process the next withdrawal and will be able to proceed to the next counter transaction. Therefore, it is temporarily pooled in the cash storage stacker 68 that can accommodate withdrawal cash for multiple transactions, and even if a user does not make a withdrawal operation, the next user can do the withdrawal operation, and the counter processing is performed. can be performed without being affected by user operations.

In addition, the above-mentioned cash dispenser 6 (Figs. 8 and 14)
(Figure) is equipped with a cash collection mechanism, and when there is no withdrawal operation for a certain period of time or when the cash stacker for each transaction is full, the oldest withdrawn cash is collected by the teller operation and the next withdrawn cash is collected. may be stored in the cash dispenser 6.

Although the present invention has been described above with reference to embodiments, the present invention can be modified in various ways according to the gist of the present invention.
These are not excluded from the present invention.

〔Effect of the invention〕

As explained above, according to the present invention, a teller counter and a cash dispensing machine are connected by a conveyance means, and when dispensing money, money is dispensed from the cash dispensing machine to a conveyance carrier of the conveyance means. In a counter processing system in which cash is loaded and the transport carrier moves along a transport path to transport disbursed cash to the counter, a number tag with an identification number is issued for the user during the dispensing process. A number plate issuing machine, and a cash dispensing machine that takes out the cash to be dispensed conveyed by the transport carrier and dispenses the cash to the user by inserting the user's number plate, The feature is that the banknotes are handed over to the user and the user operates the cash dispenser to obtain the withdrawn cash, so firstly, in a counter processing system that centralizes cash management using a conveyance means. Since transaction processing and withdrawal processing are separated and the teller is no longer responsible for handling payment cash, there is no reduction in counter processing ability, and secondly, the mental burden of handling cash on the teller is also reduced. This also has the effect of further improving counter processing capacity.
Thirdly, since the user can receive cash only by facing the withdrawal machine and inserting a number tag, it is possible to prevent unauthorized persons from receiving cash and save labor in handling such cash. It also has the effect of preventing crime, which is a serious problem, and makes it possible to guarantee the safety of cash handling.

[Brief explanation of drawings]

Figure 1 is a configuration diagram of the conventional counter processing system, Figure 2
The figure is an overall configuration diagram of one embodiment of the present invention, and FIG. 3 is a second embodiment of the present invention.
A configuration diagram of the conveying means in the figure configuration, Figure 4 is the second
Figure 5 is a configuration diagram of the number plate issuing machine in the configuration shown in Figure 5, and Figure 5 is a configuration diagram of the teller terminal in the configuration shown in Figure 2.
6 is a block diagram of the cash dispensing machine in the configuration shown in FIG. 2, FIG. 7 is a block diagram of the lift mechanism in the configuration shown in FIG. 6, FIG. 8 is a block diagram of the cash dispensing machine in the configuration shown in FIG. The figure is an overall block diagram of the configuration shown in Figure 2.
Figure 10 is an operation processing flow diagram of the configuration shown in Figure 2.
Figure 1 is the operation processing flow diagram of the dispensing machine in Figure 8 and Figure 12.
13 is an operational processing flowchart of another embodiment of the present invention, FIG. 13 is an operational processing flowchart of the cash dispensing machine in the embodiment shown in FIG. 12, and FIG. 14 is a cash dispensing machine used in another embodiment of the present invention. FIG. 15 is a flowchart of the operational processing of the embodiment shown in FIG. 14. In the figure, 1... teller counter, 2a... cash dispensing machine, 3... transportation means, 3a... transportation carrier, 3
b...Conveyance path, 11...Terror terminal, 13
...Number plate issuing machine, 6...Cash withdrawal machine, 4...Controller, 5...Linear motor controller.

Claims (1)

[Scope of Claims] 1. A teller counter and a cash dispensing machine are connected by a conveying means, and when dispensing money, dispensing cash is loaded from the cash dispensing machine to a conveying carrier of the conveying means, In a counter processing system in which the conveyance carrier moves along a conveyance path to convey disbursed cash to the teller counter, a number plate issuing machine that issues a number plate with an identification number for a user during the dispensing process; , a cash dispensing machine that takes out the disbursed cash transported by the transport carrier and dispenses the cash to the user by inserting the user's number tag, and inserts the number tag into the user's pocket. A counter processing system characterized in that the user operates the cash dispenser to obtain the withdrawn cash. 2. The counter processing according to claim 1, wherein the number plate issuing machine is provided at the counter and is connected to a teller terminal for inputting transaction data to control issuance. system. 3. The cash dispenser dispenses money after confirming that the dispensed cash corresponding to the inserted number tag has arrived and been taken out by the transport carrier. 2. The counter processing system according to item 1 or 2. 4. The counter processing according to claim 1 or 2, wherein the cash dispensing machine instructs the cash dispensing machine to dispense the withdrawal amount corresponding to the inserted number tag. system. 5. The cash dispenser is equipped with a transaction-specific cash stacker capable of accommodating withdrawal cash for a plurality of transactions, and withdraws the withdrawal cash corresponding to the inserted number tag from the transaction-specific cash stacker. A counter processing system according to claim 3.