JPH0512748B2 - - Google Patents

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention provides a method for connecting a teller counter and a cash dispensing machine by a conveying means at a teller counter of a financial institution, etc.
The present invention relates to a withdrawal processing system that performs withdrawal processing, and particularly relates to a withdrawal processing system that can shorten processing time.

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.

[Conventional technology]

In order to automate such counter operations, a cash processing system shown in FIG. 8 has been developed. This cash 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 control device 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 drives the transport carrier 3a of the teller counter 1 along the rail 3b to the cash teller machine 2 via the linear motor controller 5, and stores the cash loaded on the transport carrier 3a in the safe of the automatic cash storage machine 2b. do. 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, in the withdrawal operation, as shown in FIG. 9, when the teller inputs a withdrawal (dispensing) command and the withdrawal amount from the teller terminal 11 to the control device 4, the control device 4 starts the system, so that the teller receives the withdrawal command and the withdrawal amount. is given to the cash dispensing machine 2a and the linear motor controller 5. By this,
The linear motor controller 5 transfers the conveyance carrier (CR) 3a of the teller counter 1 to the automatic cash dispensing machine 2a.
The automatic cash dispensing machine 2a is driven along the rail 3b to count and dispense cash from the safe of the automatic cash dispensing machine 2a, and then loads (loads) cash corresponding to the dispensed amount onto the transport carrier 3a.

Furthermore, the linear motor controller 5 is connected to the rail 3
Utilizing the empty space in b, the cash dispensing machine 2a is transferred to the conveyance carrier 3a along the rail 3b to the teller counter 1.
The teller was made to transport cash to the cash handling port 10.
The person is asked to take out the cash.

In such a cash processing system, cash can be transferred between the safe and the counter without human intervention, 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.

[Problem that the invention seeks to solve]

In dispensing processing using such a cash processing system, after issuing a dispensing command from the teller terminal 11, cash is counted by the cash dispensing machine 2a, transfer of the transport carrier 3a, and loading of cash onto the transport carrier 3a. Since one withdrawal process is performed through a series of steps, ie, returning the transport carrier 3a, the next withdrawal process cannot be performed until this series of withdrawal processes is completed.

For this reason, there are multiple windows as shown in Figure 9.
If each teller terminal is installed, withdrawal transactions occur almost simultaneously at each counter,
When a dispensing command occurs, the teller terminal
The start of the withdrawal process based on the dispensing command from the teller terminal OTM1 will have to wait until the end of the dispensing process based on the dispensing command from the OTM2.

Therefore, if dispensing commands are issued from multiple counters almost simultaneously or one after the other, the dispensing process for the other one will not be completed at all until the dispensing process for the other one is completed.
A problem has arisen in that the processing time becomes long.

[Means for solving problems]

The present invention provides a withdrawal processing system that can shorten the overall processing time when multiple withdrawal transactions occur.

For this reason, the present invention connects a handling counter and a cash dispensing machine by a conveyance means, loads the cash counted by the cash dispensing machine onto a conveyance carrier of the conveyance means, and
In the dispensing processing system for conveying the cash to the handling counter, a control means is provided to independently control the cash counting operation of the cash dispensing machine and the transportation of the conveyance carrier, and the cash dispensing machine is provided with a control means for independently controlling the cash counting operation of the cash dispensing machine and the transfer of the cash dispensing machine. A cash stacker for storing completed cash and a management table for the cash stacker are provided, and the cash for the oldest transaction stored in the cash stacker indicated by the management table is loaded onto the arriving transport carrier. shall be.

[Effect]

In the present invention, a cash stacker (for each transaction) that stores cash (for multiple transactions) is provided in the cash dispensing machine, so that cash counting and dispensing is performed independently of the conveyance of the conveyance carrier in a series of dispensing processes. Therefore, even if a plurality of withdrawal transactions occur, the counting and dispensing of cash can be performed before the carrier arrives, thereby shortening the overall processing time.

〔Example〕

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 Fig. 8 are indicated by the same symbols, 10a and 10b are cash ejection ports, which are the same as the cash ejection ports in Fig. 8, and 11a and 11b are the teller terminals in Fig. 8. It is. In this embodiment, the teller counter 1 is provided with two handling windows, and each handling window has a teller terminal 11a,
11b and cash take-out ports 10a and 10b are provided, and each handling counter is connected to the cash dispensing machine 2a and the cash storage machine 2b by a conveying means 3, and a conveying carrier 3a moves between these, Cash is transferred.

FIG. 1 is a configuration diagram of an embodiment of the cash dispensing machine 2a in FIG. It is a storage for yen banknotes, 22 is a banknote takeout part, and banknote storages 21a, 21b, 21c
A device that takes out the specified number and amount of banknotes from the
23 is a primary pooling section, which pools the bills taken out by the bill taking out section 22; 24 is a cash stacker for each transaction; as shown in FIG. 1B, there are a plurality of (three in the figure) cash stackers 24a, 24b, 24
c, and a drive unit 24d that drives the cash stacker groups 24a, 24b, 24c in the lateral direction and positions the desired cash stacker at the primary pool section 23 and a bill discharging section (described later), and 25 is a bill discharging section. section, and cash stackers 24a, 24b, 24
26 is a lid opening/closing mechanism which opens and closes the lid 31 of the transport carrier 3a, and 7 is a lift mechanism which will be described later.

FIG. 3 is a detailed configuration diagram of the conveying means 3 configured in FIG. 2.

FIG. 3A is a detailed configuration diagram of the conveyance carrier 3a. In the figure, 30 is a cash container, which has a lid 31, which can be opened by being directed by a hinge 34. 32 is a banknote storage body, 33 is a coin storage body, each of which stores banknotes and coins, and is provided within the cash storage body 30; 35 is a base;
A cash container 30 is supported at the top, and a rotor plate 36 corresponding to the rotor (secondary conductor) of the motor is located at the center of the bottom.
and one having guide plates 37 on both sides of the lower part, 38,
Reference numeral 39 denotes guide rollers, which are provided before and after each guide plate 37. Figure 3B shows rail 3
FIG. 3B is a detailed configuration diagram of FIG. 1B, and the rail 3b has a generally U-shaped cross section as a whole, and includes an upper guide 3d and a lateral guide 3e. 3c is the stator,
It is provided on the lower surface of the rail 3b and has a coil wound around it, and the rotor plate 36 of the conveyance carrier 3a is located between the pair of stators 3c, and the conveyance carrier 3a is rotated by applying a current to the coil. It accelerates (or starts), drives, or brakes. This stator 3c is used to determine the starting and stopping positions on the rail 3b (hereinafter referred to as stations), for example, the positions of the cash dispensing machine 2a, cash storage machine 2b, cash outlet 10a, 10b, and appropriate positions for accelerating and decelerating. It is installed in a suitable position.

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 later, and the guide rollers 39 of the guide plate 37 abut against the inner surface of the lateral guide 3e of the rail 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 detailed configuration diagram of the lift mechanism 7 shown in FIG. 1. Although the figure shows the lift mechanism 7 at the cash dispensing machine 2a position, the same mechanism is also used at other stations (start/stop position). will be provided. In the figure, 70
72 is 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; , 73 is a pulley whose rotation moves the lift belt 70 to vertically move the conveying carrier 3a that engages with the pin 71a of the bracket 71, and 75 is a motor for driving the lift belt 70. The lift belt 70 is driven by rotating the pulley 76 and transmitting the rotation of the pulley 76 to the pulley 73 via the belt 74. 3f is a hinge, and rail 3b
It is provided only at the station position where the lift mechanism is provided, and rotates the horizontal guide 3e of the rail 3b to release the engagement between the horizontal guides 3d and 3e on the rail 3b and the guide rollers 38 and 39 of the conveyance carrier 3a. This is to release the restraint of the transport carrier 3a.

Next, the operation of the lift mechanism shown in FIG. 4 will be explained. When the transport carrier 3a reaches the target station traveling on the rail 3b, the stator 3
After stopping at the target station due to the braking force of c, the lift belt 70 moves slightly upward to engage the pin 71a of the bracket 71 with the engagement hole of the base 35 of the transport carrier 3a, and a release mechanism (not shown) is activated. The horizontal guide 3 is centered around the hinge 3f.
e to release the rail 3b, release the restraint on the transport carrier 3a, and enable the lift belt 70 to perform a lifting operation. Thereafter, the lift belt 70 is driven by the rotation of the motor 75, and the conveyance carrier 3a is driven upward, and the cash handling opening 10a is driven upward.
is positioned at the bottom of the This position is the home position of the transport carrier 3a, and two transport carriers 3a are provided for the stations of each cash handling port 10a and 10b in FIG. (equivalent to). 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 downward by the lift belt 70, descends to the rail 3b, and then the rail 3b returns and the transport carrier 3
on the guide rollers 38 and 39 of a and the rail 3b,
Engage with the horizontal guides 3d and 3e. The lift belt 70 further descends and the pin 71a of the bracket 71
and the engagement hole of the base 35, the transport carrier 3a is released, and the transport carrier 3a is allowed to travel on the rail 3b.

FIG. 5 is a block diagram of the lid opening/closing machine configuration of the configuration shown in FIG. 1. In the figure, the same parts as in FIG. 26c is its fulcrum,
31a is a protruding part of the lid, which is contacted by one end of the lever 26b; 31b is a mounting part, which attaches the lid 31 to the container 30 via a hinge 34; 32a is a mounting tool, which is attached to the bill storage 32 is connected to a hinge 34, and is rotated when the lid 31 is opened.

To explain the operation of FIG. 5, to open the lid 31, the plunger magnet 26a is driven.
As a result, the lever 26b rotates around the fulcrum 26c, and pushes down the protrusion 31a of the lid 31.
1 to the hinge 3 against the toggle spring (not shown).
Open around 4. On the other hand, the banknote storage body 32
Since the mounting member 32a engages with the hinge 34 and the mounting portion 31b of the lid 31, it rotates as shown in FIG. 1B, making it easy to store or take out banknotes from the left side.

FIG. 6 is a block diagram of the embodiment configuration shown in FIG. 2, in which the same parts in FIG. 1 as in FIG. 27a is a management table that controls the entire device, and registers transaction numbers of cash stored in each cash stacker 24a to 24c of the transaction-specific cash stacker 24.

Next, the operation of the embodiment configuration shown in FIGS. 1 to 6 will be explained with reference to the operation explanatory diagram in FIG. 7.

Based on a user's request, the teller operates the keyboards of the teller terminals 11a and 11b to input transaction data, communicates with the center via the control device 4 or directly, and requests permission for the transaction. Once the transaction authorization is obtained from the center directly or via the control device 4, the teller uses the teller terminal 11a,
A dispensing command is inputted from the keyboard 11b and transmitted to the control device 4.

The control device 4 issues a dispensing command to the cash dispensing machine 2a together with the dispensing amount. At the same time, the control device 4 checks whether the rail 3b is empty, that is, checks whether a drive (transfer) command has been sent to the linear motor controller 5, and if it is empty, gives a drive command to the linear motor controller 5.

In the cash dispensing machine 2a, the control unit 27 receives the dispensing command and starts counting cash. That is, the banknote takeout unit 22 takes out banknotes corresponding to the amount to be withdrawn from the banknote storages 21 a, 21 b, and 21 c and guides them to the primary pool unit 23 . At the same time, the control unit 27 checks the management table 27a to check whether there is an empty stack in the transaction-specific cash stacker 24. If there is an empty stacker, the driving unit 24d is controlled to position the empty stacker below the primary pool portion 23. Thereafter, the lower part of the primary pool section 23 is opened, and the cash taken out from the primary pool section 23 is deposited into the empty stacker and the transaction number corresponding to the position of the stacker on the management table 27a is registered.

On the other hand, the linear motor controller 5 lowers the lift mechanism 7 of the station corresponding to the handling window included in the drive command, and returns the transport carrier 3a of the station to the rail 3b. Then, the transport carrier 3a is transported from the station to the cash dispensing machine 2a along the rail 3b. Then, the lift mechanism 7 of the station located at the cash dispensing machine 2a is controlled to rise, thereby raising the transport carrier 3a.

The control device 4 receives the transfer end signal from the linear motor controller 5, checks whether the end of cash counting for the corresponding transaction has arrived from the cash dispensing machine 2a, and if so, issues a loading command to the control device 4. from there to the cash dispensing machine 2a. As a result, in the cash dispensing machine 2a, the control unit 27 determines the oldest transaction registered in the management table 27a, that is, the cash stacker with the lowest transaction number, and moves the cash stacker to the bill dispensing unit by the drive unit 24d. 2
Position it at the top of 5. Then, the control unit 27 dispenses the cash in the stacker of the transaction-specific cash stacker 24 to the bill dispensing unit 25, and
Delete the corresponding transaction number of a. For example, the lower part of the stacker may be opened, or the stacker may be ejected to the bill ejecting section 25 by a separately provided ejecting roller. On the other hand, the control unit 27 operates the lid opening/closing mechanism 26 and controls the transport carrier 3a.
Open the lid 31 and insert the bill storage body 32 into the
Rotate it like this. As a result, the control section 2
7 operates the bill discharging section 25 to discharge the cash into the bill storage body 32 and store it therein. Furthermore, the lid opening/closing mechanism 26 is operated and the transport carrier 3a
The lid 31 is closed to complete loading. This notifies the control device 4 of the completion of loading.

Upon completion of loading, the control device 4 gives a return drive command to the linear motor controller 5,
The linear motor controller 5 is the cash dispensing machine 2a
The lift mechanism 7 of the station is controlled to descend, the transport carrier 3a loaded with cash is returned to the rail 3b, and the transport carrier 3a is returned to the station at the handling counter where the dispensing command was issued from the station. Then, the lift mechanism 7 of the station of the handling counter is raised to position the transport carrier 3a below the cash handling ports 10a, 10b of the handling counter. Then, the lid opening/closing mechanism is driven to open the lid 31 of the transport carrier 3a, and the teller is allowed to withdraw cash. This completes the withdrawal process.

The control device 4 sends a return drive command to the linear motor controller 5 and checks whether there is a dispensing command from another teller terminal in its own queue, and if there is a dispensing command, the cash dispensing machine 2a
Give the ejection command to. As a result, the cash dispensing machine 2a counts the cash and stores it in the cash stacker for each transaction in the same manner as in the step.

Furthermore, the control device 4 receives from the linear motor controller 5 the completion of the return of the transport carrier 3a of the step, and gives a drive command to the linear motor controller 5 to transport the transport carrier 3a at the position of the other teller terminal, and performs the same operation as the step. perform the following actions. Execute the following steps in the same way.

In this way, the cash dispensing machine 2a can start counting cash for the next transaction without waiting for the transport carrier to be returned, so the overall processing time can be shortened.

In the above embodiment, only banknotes are handled as cash to be withdrawn, but the same applies to coins. Further, the conveyance means is not limited to a linear motor.

Although the present invention has been described below with reference to one embodiment, the present invention can be modified in various ways according to the spirit of the present invention, and these modifications are not excluded from the present invention.

〔Effect of the invention〕

As explained above, according to the present invention, the following effects are achieved.

A control means is provided to independently control the conveyance of the cash dispensing machine and the transport carrier, and a cash stacker is provided on the cash dispensing machine, so that the cash counting of the cash dispensing machine and the conveyance of the transport carrier can be independently controlled. , cash counting can be completed before the delivery carrier arrives, reducing processing time.

The cash dispensing machine is equipped with a cash stacker that can hold cash for multiple transactions and a management table, so even if withdrawal requests are made from multiple counters,
To ensure that cash counting is completed before the delivery carrier arrives.

Since cash for the oldest transaction indicated by the management table is loaded, even with this method, the cash corresponding to the arriving transport carrier can be loaded without fail.

[Brief explanation of the drawing]

FIG. 1 is a configuration diagram of an embodiment of a cash dispensing machine used in the present invention, FIG. 2 is an overall configuration diagram of an embodiment of the present invention, FIG. 4 is a block diagram of the lift mechanism in the configuration shown in FIG. 1, FIG. 5 is a block diagram of the lid opening/closing mechanism in the configuration shown in FIG. 1, FIG. 6 is a block diagram of an embodiment in the configuration shown in FIG. FIG. 8 is a configuration diagram of a conventional withdrawal processing system, and FIG. 9 is an explanatory diagram of operation of a conventional withdrawal processing system. In the figure, 1...window counter, 10, 10a, 1
0b...Cash handling port, 11, 11a, 11b...
Teller terminal, 3...transport means, 3a...transport carrier, 3b...rail, 2a...cash dispenser, 24...transaction cash stacker, 4...control device, 5...linear motor controller.

Claims (1)

[Scope of Claims] 1. A handling counter and a cash dispensing machine are connected by a conveying means, and cash counted by the cash dispensing machine is loaded onto a conveying carrier of the conveying means, and the cash is conveyed to the handling counter. In the money processing system, a control means for independently controlling the cash counting operation of the cash dispensing machine and the transportation of the conveyance carrier is provided, and the cash dispensing machine is provided with a cash stacker for storing counted cash for a plurality of transactions. and a management table for the cash stacker, the payment processing system comprising: loading the arriving transport carrier with cash for the oldest transaction stored in the cash stacker indicated by the management table.