JPH05197864A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To prevent an operation from being stopped by exhausting cash and to prevent mussive cash from being residual by calculating the suitable filling quantity of cash corresponding to an operational result and an operational environment. CONSTITUTION:The time measured and counted results of a transaction volume managing means 35 are stored in a transaction counter 31a. For example, in the case of calculating the boading volume of 10000-yen bills, a filling amount calculating means 36 executes arithmetic based on total number OM1 of bills to be payed set to the transaction counter 31a, total dispensation transaction time OT, total number IM1 of received bills, total receiving transaction time IT, dispensation operating time a3 set to an annular scheduler 37, reception operating time a2, dispensation correcting value and reception correcting value set to a correcting value table 31b and further, the minimum number of required bills set to the filling amount calculating means 36 as a parameter. When completing the operation of an automatic transaction machine 20, a correcting value changing means 39 detects the content increase of the transaction counter 31a and based on this increased component, prescribed arithmetic is executed. Based on this arithmetic result, the correcting value is changed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like to realize automatic cash transaction.

[0002]

2. Description of the Related Art In recent years, automatic transaction apparatuses that process transactions by the operation of customers themselves have become widespread in financial institutions. The main types of transactions are "payment", "withdrawal", "balance inquiry", "passbook entry", and "transfer". The automatic transaction apparatus generally handles these plural transactions, but there is also an automatic transaction apparatus that handles only a single transaction, for example, withdrawal or transfer transaction.

FIG. 2 shows an external view of a general automatic transaction apparatus. The automatic transaction device shown in the figure includes a display unit 1, a passbook insertion slot 2, a card insertion slot 3, a coin deposit / withdrawal slot 4, a customer operation section 5, and a banknote deposit / withdrawal slot 6. Display 1
Is a display for identifying the handling business. The passbook insertion slot 2 is used when the customer enters a passbook.
It is an insertion slot for inserting a passbook.

The card insertion slot 3 is an insertion slot for inserting a card when a customer makes a withdrawal transaction or the like. The coin deposit / withdrawal port 4 is used for depositing / withdrawing coins. The customer operation unit 5 is an input / output device including a display device including a CRT and a touch sensor panel provided on the display device. The touch sensor panel is a switch including a pair of transparent electrodes. The banknote deposit / withdrawal port 6 is used for depositing / dispensing banknotes.

FIG. 3 is a conceptual diagram of the internal mechanism of the automatic transaction device. As shown in the figure, inside the automatic transaction device, there are 10,000 bill cassettes 7a and 7b in which 10,000 bills are loaded, a thousand bill cassette 8 in which thousands of bills are loaded, and a recognition unit 9 which recognizes the authenticity of bills. It is provided. When the operation of the automatic transaction device is started, banknotes are loaded into the million-ticket cassettes 7a and 7b and the thousand-ticket cassette 8.

There are two main types of this loading method. A method in which a clerk directly loads (collects) cash into each cassette of each denomination, and the 10,000-ticket cassettes 7a and 7b and the 1,000-ticket cassette 8
A replenishment / collection cassette 10 that is prepared separately from and can be loaded with banknotes of all denominations is prepared, and the denominations of the banknotes automatically taken out from the replenishment / collection cassette are recognized by the recognition unit 9. This is a method of automatically distributing and loading (replenishing) each cassette. Note that the same handling is performed for coins.

[0007]

Generally, the charge amount is appropriately changed depending on the operating environment such as the day of the week or the time. For example, on weekends, at the end of the month, and immediately before consecutive holidays, the withdrawal amount tends to increase significantly, and it is necessary to load more cash than the normal load amount. The determination of such a loading amount is calculated based on the experience and intuition of a sales staff member. For this reason, there has been a situation where a cash shortage occurs during operation, and further, a large amount of cash remains at the end of operation. When a cash shortage occurs, there is a problem that the operation efficiency of the automatic transaction device is stopped and the operation efficiency is lowered, and it takes time to reload the cash. In addition, the fact that a large amount of cash remains indicates that unnecessary cash transportation or the like has been carried out, and there has been a problem that the operational efficiency of funds is reduced.

The present invention has been made by paying attention to the above points, and provides an automatic transaction device capable of avoiding a situation where cash reloading is required and a situation where a large amount of cash remains. The purpose is to do.

[0009]

The automatic transaction apparatus of the present invention comprises a transaction amount management means for obtaining an average transaction amount for each denomination,
It should be loaded at the start of operation by referring to the correction value table showing the correction value for correcting the value of the average transaction amount according to the operating environment and the average transaction amount and the correction value for each denomination. And a loading amount calculation means for calculating the loading amount. Also, a transaction amount management means for obtaining an average transaction amount for each denomination, a correction value table showing a correction value for correcting the value of the average transaction amount according to an operating environment, and for each denomination, the above The correction value is changed according to the average transaction amount and the correction value, and the load amount calculation means for calculating the load amount to be loaded at the start of operation, and the residual amount for each denomination at the end of operation. And a correction value changing means.

[0010]

In this device, based on the average transaction amount obtained by the transaction amount management means and the correction value set in the correction value table, the loading amount calculation means determines the loading amount for each denomination before starting the operation. Ask. Further, the correction value changing means changes the correction value according to the residual amount at the end of the operation and adjusts the next loading amount.

[0011]

1 is a block diagram according to the present invention. In the automatic transaction device 20 shown in the figure, a communication control unit 22, an input / output control unit 23, and a real-time clock RC are connected to the main control unit 21. Communication control unit 22
A host computer C1 and a monitoring system C2 are connected to the computer via communication lines 24a and 24b. A card reader / printer 25, a bill depositing / dispensing machine 26, a coin depositing / dispensing machine 27, a passbook entry / exiting machine 28, a customer operation device 29, a staff operation device 30, and a magnetic disk 31 are connected to the input / output control unit 23. There is.

The communication control section 22 is composed of a main control section 21, a modem and the like for controlling communication between the host computer C1 and the monitoring system C2. The input / output control unit 23 performs signal conversion between the main control unit 21 and various input / output devices, that is, the card reader / printer 25, the bill depositing / dispensing machine 26, and the like. The real-time clock RC is composed of a counter for counting the current date, day of the week, and time.

The host computer C1 manages an account file and the like, which is updated with a transaction carried out by the automatic transaction device 20. Monitoring system C
2 is for monitoring the operating state of the automated teller machine 20, for example, for cash out or presence or absence of trouble.

The card reader / printer 25, which is used as a transaction medium, reads and prints information recorded on a so-called cash card. The banknote depositing / dispensing machine 26 counts banknotes and verifies authenticity in order to deposit and dispense banknotes. Coin deposit and withdrawal machine 2
Reference numeral 7 is for counting and authenticating coins for depositing and withdrawing coins. The passbook recorder 28 prints the transaction content on the passbook.

The customer operation device 29 is composed of a display for notifying the customer of various information, a keyboard used for inputting transaction information, and the like. The clerk operation device 30 is composed of a keyboard operated by a clerk for maintenance and the like of the automatic transaction device 20, a display for notifying the details of the trouble, and the like. Magnetic disk 3
Reference numeral 1 denotes a magnetic storage device such as a hard disk device or a floppy disk device, which stores, for example, programs and data necessary for the operation of the main control unit 21.

The main control unit 21 is composed of a processor or the like for controlling the operation of the automatic transaction device 20 as a whole.
A transaction amount management unit 35, a loading amount calculation unit 36, an annual scheduler 37, a notification control unit 38, and a correction value changing unit 39 are provided.

The transaction amount management means 35 measures the total time of deposit processing and withdrawal processing carried out within a preset fixed period (for example, one week), and with the deposit processing and withdrawal processing. The number of bills (amount of money) traded is counted. The transaction counter 31a on the magnetic disk 31 is used as the timing and counting result by the transaction amount management means 35.
Memorized in.

FIG. 4 shows a transaction counter 31a according to the present invention.
The conceptual diagram of is shown. The transaction counter 31a shown in the figure is composed of the counting result and the counting result by the transaction amount managing means 35 (FIG. 1) on the area specified by the addresses m to m + j on the magnetic disk 31.

As the timing result, a total deposit transaction time IT relating to deposit and a total dispensing transaction time OT relating to withdrawal are stored. As the counting result, the total deposit amount IM (IM1 to 8) indicating the total number of deposits for each denomination and the total deposit amount TI
In addition, M, the total amount of money to be dispensed OM (OM1 to OM8) indicating the total number of deposits for each denomination, and the total amount of money to be dispensed TOM are stored.

Returning to FIG. 1, the transaction amount management means 35 measures the time from the start to the end of the transaction, and if the time measurement result is based on the transaction relating to the deposit, the total deposit transaction time IT
The total deposit transaction time IT is updated by adding the time measurement result to. When the timing result is based on the transaction relating to withdrawal, the total withdrawal transaction time OT is added to the total withdrawal transaction time OT to update the withdrawal total transaction time OT.

Further, when the transaction relating to the deposit is carried out, the transaction amount managing means 35 counts the deposited money for each denomination and, at the same time, the total amount of the deposited money (total deposit amount).
Is counted. Further, these counting results are added to the total deposit amount IM and the total deposit amount TIM to update the total deposit amount IM and the total deposit amount TIM. Similarly, when a transaction related to withdrawal is carried out, the total number of withdrawal OM and the total amount of withdrawal TOM are updated.

The information stored in the transaction counter 31a indicates the average transaction amount of the automatic transaction device 20. When there is no operational record of the automatic transaction device 20, that is, when it is newly installed, a general value is set at the time of factory shipment.

The transaction counter 31 is provided on the magnetic disk 31.
In addition to a, a correction value table 31b is provided. FIG. 5 shows a conceptual diagram of the correction value table 31b according to the present invention. The correction value table 31b shown in the figure is composed of data on the area specified by the addresses p to p + k on the magnetic disk 31.

In the correction value table 31b, the Sunday correction value W1 to the Saturday correction value W7, which is appropriately referred to for each day of the week, the end-of-month correction value M which is referred to only at the end of the month, and the summer bonus period in which only the bonus payment period in summer is referred to Correction value SS, winter bonus period correction value W that is referenced only in the winter bonus payment period
S, a holiday that continues for a long period of time, for example, a singular period correction value ES that is referenced only during the summer holidays, and a national holiday correction value H that is referenced only on holidays are set.

Each correction value is composed of 8-bit data, and the lower 4 bits are the correction value for withdrawal transaction and the upper 4 bits are the correction value for deposit. For example, when the correction is not performed, the correction value “1” does not affect the calculation result of the loading amount calculation means 36. When performing negative correction,
In the case of a negative numerical value, for example, minus 50%, the correction value is "-0.5". To make a positive correction,
In the case of a positive numerical value, for example, plus 100%, the correction value is "2".

Returning to FIG. 1 again, the loading amount calculating means 36
The amount of cash to be loaded into the bill depositing / dispensing machine 26 and the coin depositing / dispensing machine 27 when the automatic transaction device 20 is started up is calculated with reference to the transaction counter 31a, the correction value table 31b, and the annual scheduler 37 described later. The control is performed.

FIG. 6 shows a conceptual diagram of the annual scheduler according to the present invention. As shown in the figure, the annual scheduler 37
Is provided with a date item a1, a deposit actual operation time item a2, and a withdrawal actual operation time item a3, which are specified by the addresses n to n + i.

The date item a1 is an item in which the date when the automatic transaction apparatus 20 operates is set. The deposit actual operation time item a2 is an item in which the time zone in which the automatic transaction device 20 corresponds to the deposit transaction is set. Withdrawal actual operating time item a3 is
This is an item in which the automatic transaction device 20 sets a time zone corresponding to a withdrawal transaction. If the time zone is not set, the transaction processing is not executed.

The notification control means 38 is a loading amount calculation means 36.
The communication control is performed to notify the higher-level device (for example, the monitoring system C2) of the calculation result in (1). The correction value changing means 39 detects the residual amount of cash remaining in the bill depositing / dispensing machine 26 and the coin depositing / dispensing machine 27 at the end of the operation of the automatic transaction device 20, and controls the modification of the contents of the correction value table 31b. Is.

In the automatic transaction device 20 having the above configuration,
The operation of calculating the cash loading amount at the start of operation will be described with reference to the drawings starting from FIG. FIG. 7 is a first operation explanatory diagram according to the present invention. The figure shows the contents displayed on the clerk operation device 30 when the power of the automatic transaction device 20 is turned on and the loading amount calculating means 36 is activated. Make an input.

When the input of the operation date and time is completed, the loading amount calculation means 36 causes the annual scheduler 37 and the transaction counter 31.
By referring to a and the correction value table 31b, a preset predetermined calculation is performed for each denomination to be loaded. In this case, eight kinds of coins, from 10,000-yen coins to 1-yen coins, are loaded, and therefore eight calculations are performed.

Referring to FIG. 8, the loading amount calculating means 36
The calculation performed by will be described. FIG. 8 is a second operation explanatory diagram according to the present invention. As shown in the figure, the load amount calculation means 36, for example, when calculating the load amount of ten thousand houses, the total withdrawal amount OM1, the total withdrawal transaction time OT, the total withdrawal amount IM1, and the deposit amount set in the transaction counter 31a. Total trading time I
T, withdrawal operating time a set in the annual scheduler 37
3, the deposit operation time a2, the dispensing correction value and the deposit correction value set in the correction value table 31b, and the minimum required number of sheets set as a parameter in the loading amount calculation means 36 to perform the calculation. By performing the above calculation for each denomination, the number of loaded coins for each denomination is displayed on the display screen previously shown in FIG.

Next, a case where the notification control means 38 controls the operation of the loaded amount calculation means 36 will be described. The notification control means 38 starts its operation when receiving a load amount calculation instruction from the monitoring system C2. This instruction includes
In addition to an instruction to calculate the loading amount, data specifying the operation date and time are set.

When the notification control means 38 receives the instruction,
The loading amount calculation means 36 is activated, and the calculation described above with reference to FIG. 8 is performed for each denomination. Loading amount calculation means 36
After calculating the loading amount for each denomination, notifies the notification control unit 38 of the calculation result. When the notification control unit 38 receives the notification from the loading amount calculation unit 36, the notification control unit 38 generates a predetermined communication telegram indicating the reception result, and transmits the communication telegram to the monitoring system C2.

Through the above processing, the loading amount of the automatic transaction device 20 can be grasped in the monitoring system C2. In this embodiment, when the automatic transaction device 20 is installed in a public facility or the like outside the business office, by grasping the loading amount in advance, it is possible to carry out unnecessary cash transportation or to detect unnecessary transaction between the automatic transaction device 20 and the business office. It is possible to avoid the trouble of going back and forth.

Next, the operation of the correction value changing means 39 according to the present invention will be described. The correction value changing means 39 detects an increase in the contents of the transaction counter 31a at the end of the operation of the automatic transaction device 20, performs a predetermined calculation based on the increase amount, and changes the correction value based on the calculation result. Do.

FIG. 9 shows a third operation explanatory diagram according to the present invention. The withdrawal correction value is calculated by dividing the actual withdrawn amount (increment of the total withdrawn amount) by the term A shown in FIG. Further, the deposit correction value is calculated by dividing the number of sheets actually deposited (increment of the total number of deposited sheets) by the term B shown in FIG. The withdrawal correction value and the deposit correction value calculated by the correction value changing unit 39 are the correction value table 31b.
Is stored in the memory and is referred to when a new loading amount is calculated.

As described above, the amount of cash loaded at the start of operation is calculated based on the past operation record and operation environment, and operation is started. Furthermore, the remaining amount of cash at the end of operation is adjusted based on the operation record.

[0039]

As described above, the automatic transaction apparatus of the present invention calculates an appropriate cash loading amount in accordance with the operation record and the operation environment. It is possible to avoid the remaining situation of
There is no need to perform additional cash loading and unnecessary cash transportation. Further, since the remaining amount is monitored and the data used when calculating the loading amount is appropriately changed so that the remaining amount is constant, the loading amount that faithfully reflects the operation record can be calculated.

[Brief description of drawings]

FIG. 1 is a block diagram of an automatic transaction device according to the present invention.

FIG. 2 is an external view of a general automatic transaction device.

FIG. 3 is a conceptual diagram of an internal mechanism of the automatic transaction device.

FIG. 4 is a conceptual diagram of a transaction counter according to the present invention.

FIG. 5 is a conceptual diagram of a correction value table according to the present invention.

FIG. 6 is a conceptual diagram of an annual scheduler according to the present invention.

FIG. 7 is a first operation explanatory diagram according to the present invention.

FIG. 8 is a second operation explanatory diagram according to the present invention.

FIG. 9 is a third operation explanatory diagram according to the present invention.

[Explanation of symbols]

 35 Transaction amount managing means 36 Loading amount calculating means 37 Annual scheduler 38 Notification control means 39 Correction value changing means

Claims (2)

[Claims] 1. A transaction amount management means for obtaining an average transaction amount for each denomination, a correction value table showing a correction value for correcting the value of the average transaction amount according to an operating environment, and each denomination An automatic transaction device further comprising: a load amount calculation means for calculating a load amount to be loaded at the start of operation by referring to the average transaction amount and the correction value. 2. A transaction amount management means for obtaining an average transaction amount for each denomination, a correction value table showing a correction value for correcting the value of the average transaction amount according to an operating environment, and each denomination In addition, referring to the average transaction amount and the correction value, a load amount calculation means for calculating a load amount to be loaded at the start of operation, and the correction value according to the residual amount for each denomination at the end of operation. And an amendment value changing means for changing the