JPH09319961A - Cash automatic transaction device degeneration control method - Google Patents

Abstract

(57) Abstract: An object of the present invention is to reduce the number of bill replenishment or collection by reducing the burden on staff by keeping the remaining bills of a plurality of automated teller machines optimal. SOLUTION: An instruction is issued from 13 automatic machine degradation monitoring function units of 1 host computer to ATM 1 of 2 or ATM 2 of 7 to reduce transactions. Also, when controlling the contraction of transactions based on the judgment of ATM itself such as 2 ATM 1, 5
Automatic machine mutual monitoring control unit monitors 7 ATM2 and 1
Mutual cooperation with the automatic machine mutual monitoring control unit of 0
The TM1 performs optimal degeneration of transactions from the ATM control unit 3 to the degeneration function control unit 6.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION The present invention is used in the field of using an automatic teller machine or an automatic cash withdrawal apparatus in the financial industry.

[0002]

2. Description of the Prior Art Only when the remaining banknotes of a device are exhausted, or when they are almost exhausted, or when they are almost full, the withdrawal and deposit transactions are limited.

As a similar known example, Japanese Patent Laid-Open No. 4-30
There is a mutual control system of a plurality of ATMs like 2393, but this is one in which a plurality of ATM1 to ATM3, ATM1 checks the cash holding amount after the transaction ends, and if it is less than the replenishment setting value, another ATM2 If 3 to 3 are in operation, the replenishment / collection safe, which is an internal device of the ATM 1, performs a replenishment operation to the withdrawal / receipt stacker. In contrast to this, the present invention manages the number of banknotes in all the ATM internal equipment, including the stacker and the replenishment / collection safe for the banknotes in the ATM, and restricts the transactions between a plurality of installed ATMs. This is to equalize the transactionable operations of a plurality of ATMs by, for example, making the amount of all banknotes in the equipment of the ATM uniform. In addition, an AT near the doorway of the installation store
At the time of a quiet time so that the transaction is not biased to M, only the ATMs at the back of the installation store can be traded, and if it can be predicted that unevenness in the amount of banknotes will occur, ATM transaction control will be performed in advance. Can also be controlled. As described above, the present invention is a system that manages and predicts the number of banknotes in all of the plurality of installed ATM internal devices and controls so that all the ATMs can be operated during the busy time until the next banknote replenishment.

[0004]

In the conventional technology, the withdrawal and the deposit are performed only when the remaining banknotes of the device are exhausted, or when they are almost exhausted, or when they are almost full or when they are almost exhausted. The contract was limited to transactions. However, according to the present invention, predictive control is performed in advance before the contraction of each of the withdrawal and deposit transactions is limited, the user is guided and the remaining banknotes in a plurality of ATMs or CDs are optimally maintained, so that banknote replenishment or collection work can be performed. Reduce the number of times, reduce the burden on staff
Moreover, during the busy hours, more ATMs or CDs can be operated without falling into the degeneracy limited to each transaction. In addition, it is effectively used to reduce staff work, especially in an unmanned cash transaction device installation place.

[0005]

[Means for Solving the Problem] A control device (program) for obtaining and automatically controlling some data for automatically limiting each transaction of withdrawal and deposit is required.

[0006]

BEST MODE FOR CARRYING OUT THE INVENTION

 1. Configuration The configuration of the present invention will be described below with reference to FIG.

2 according to the judgment of the host computer of 1
When it is desired to control the transaction degeneracy of ATM1 or 7 of ATM2, the automatic degeneracy monitoring function unit of 13 issues a command to ATM2 of 2 or 1 of ATM2. Then, in the ATM1 of 2, the ATM control unit of 3 and the degeneration function control unit of 6 and in the ATM2 of 7 the ATM control unit of 8 and the degeneration function control unit of 11 are instructed from the automatic machine degradation monitoring function unit. Degenerate trades that have been made.

When it is desired to control the degeneracy of the transaction of the ATM1 itself of 2 or the ATM2 of 7 by the judgment of the ATM1 of 2, the ATM2 of 7 is monitored by the automatic machine mutual monitoring control section of 5 and the ATM2 of 7 Mutually cooperates with the automatic machine mutual monitoring control unit 10 and the degeneration function control unit 6 optimally reduces the transactions. The same applies to ATM2 of No. 7. When ATM 1 of 2 is connected to ATM 2 of 7 by a cable of 12, it becomes possible to cooperate with each other locally without passing through the host computer line of 1.

Further, when controlling contraction of transactions based on statistics, statistics collection control units 4 and 9 collect statistics and reflect the results. Alternatively, the optimal transaction degeneration is performed by using the statistical information that controls degeneration obtained from outside.

As described above, while the ATM or CD of 2 is still in a tradeable state, while the contraction is limited to trading, the A of 3 is used.
The TM control unit or the automatic degeneration monitoring function unit of 13 determines the frequency of customer prosperity with the customer transaction interval or the existing monitoring sensor, camera, etc., and immediately when it is necessary to wait for the customer, etc. Release degeneration and make it available for trading.

2. Example of Use An example of use of the present invention will be described below with reference to FIGS. 1, 2 and 3.

<Claim 1> 2.1 The 14 ATMs 1 in operation are controlled so as to have a degeneration function so that a withdrawal transaction to the ATM such as withdrawal cannot be performed for the following reasons.

When the safe and the bill storage are empty.

When the safe, the banknote storing section, etc. are in a state close to an empty state.

When 14 ATM1s are selected from a plurality of other ATMs in the same store so that the most efficient operation can be performed by the instruction of the host computer.

In order to achieve the most efficient operation (5 in FIG. 1), the automatic machine mutual monitoring control section is instructed by the degeneration function control section 6 instruction based on the judgment of the 4 statistic collection control section in the 14 ATM 1. 14 ATMs 1 among other ATMs
When you choose yourself.

The difference is that the degeneration operation trigger is an instruction from the host or an instruction from the ATM internal mechanism or an external control mechanism connected to the ATM.

2.2 When the cashbox and the banknote storage section are full or nearly full, the degeneration function is controlled so that deposit transactions and cash transfers to ATMs cannot be performed. It

2.3 Detailed Description When the ATM1 of 14 is in the state of 2.1 or above, the safe and the banknote storage section are empty or nearly empty, 14
ATM1 is in a degenerate state in which the withdrawal transaction is impossible so that the withdrawal transaction with respect to the ATM cannot be performed. Then AT of 15
M2 interlocks with this, and in order to avoid the state where the ATM 14's cash box and banknote storage section are empty or nearly empty, payment and cash transfer transactions are not possible so that payment operations such as payment and cash transfer cannot be made to the ATM. To the degenerate state. As a result, 24 customers A and 25 customers B who deposit money concentrate on the ATM 1 of 14-1, so that it is possible to quickly avoid a state in which the safe, the bill storage unit, and the like are empty or nearly empty. Therefore, the ATM 1 of 14 can recover the degenerate state in which the withdrawal transaction is impossible. At this time, at the ATM, the 14 AT
In M1, 16 deposit display panels and 17 cash transfer display panels are turned on, 18 withdrawal display panels and 19 card transfer display panels are turned off, and the like. Conversely 1
In ATM 2 of 5, the withdrawal display panel of 22 and the card transfer display panel of 23 are turned on, and the deposit display panel of 20 and the cash transfer display panel of 21 are turned on.
The panel lighting operation is the same as in 2.1 above.

Next, a description will be given of the time when the ATM 1 of 14 is in the above state or. As described in 2.1, the difference between and is that the degeneration operation trigger is an instruction from the host side (host computer and ATM control mechanism or person connected to this), and the ATM internal mechanism or ATM. The difference is whether it is an instruction from an external control mechanism connected to. For example, in order to prepare for 14 ATM1 of FIG. 3D, I, and J, which are overcrowded time zones of the customer's withdrawal transaction expected in the future, the safe, the banknote storage unit, and the like are provided in the time zones of FIGS. 3A to C or E to H. Even when it is not empty or close to empty, bills and coins in all ATMs in the store are not empty in time zones D, I and J where there are many withdrawal transactions Controlled by the control mechanism on the host side or the ATM side, 14 ATMs 1 are selected from the other ATMs in the store, and the withdrawal transaction disabled state is set so that the withdrawal transaction processing such as withdrawal cannot be performed. As a result, the ATM 1 of 14 can only perform transactions such as deposit, and the ATM and the banknote holding section are evaded immediately from the empty state or near empty state, and the withdrawal transaction is overcrowded as shown in FIGS. 3D, I, J. Can be prepared for.

In the above example, 14 ATM1s are selected as the ATMs to be subjected to the degeneration control. However, when selecting the ATMs, the ATMs are also selected statistically or by judgment based on human experience. For example, when the ATM closest to the entrance / exit 26 has a large number of times of use, it is possible to control the adjustment so that the remaining ATM banknotes are larger than those of the ATM farthest from the entrance / exit. By applying this, it is possible to always manage and control the remaining banknotes and the like for each ATM. Further, it is more effective to manage and control the remaining banknotes and the like of these ATMs in consideration of deposit transactions.

Usage example of claim 2 Withdrawal transaction is possible in the state of 2.1, but when the customer is suddenly crowded during degenerate transaction withdrawal due to off hours etc., in-store monitoring Immediately 1 by judging by the camera, the sensor of ATM customer detection, and the ATM transaction interval.
The display panels 6 to 23 are turned on, the degenerate state is canceled, and all transactions are permitted to be usable.

In the same manner as above, when the customer is suddenly crowded, the judgment of the ATM or the like is delayed, or when the elderly or the like mistakenly tries to perform the transaction operation in the degenerate state, the transaction is possible. Authorize the transaction.

[0024]

By installing the equipment adopting the method of the present invention in a business office such as a bank, it is possible to reduce the number of times bills are replenished or collected in an ATM and the burden on staff. This is particularly effective for ATMs installed unmanned outside the store, such as outside the store, where the staff is burdensome, and after hours.

[Brief description of drawings]

FIG. 1 shows a system configuration of the present invention.

FIG. 2 shows an example of use of the present invention.

FIG. 3 shows an example of use of the present invention.

[Explanation of symbols]

1 ... Host computer, 2 ... ATM1 3 ... ATM1 ATM control unit, 4 ... ATM1 statistical collection control unit, 5 ... ATM1 automatic machine mutual monitoring control unit, 6 ... ATM1 degeneration function control unit, 7 ... ATM2,
8 ... ATM control unit of ATM2, 9
... ATM2 statistics collection control unit, 10 ... ATM2 automatic machine mutual monitoring control unit, 11 ... ATM degeneration function control unit, 12
... connection cable between ATM1 and ATM2, 13 ... Automatic machine degradation monitoring function of host computer, 14 ... ATM1,
14-1 ... Customer use example diagram of ATM1, 15 ... ATM2, 15-1 ... A
Customer use example diagram of TM2, 16 ... ATM1 deposit display panel, 17 ... ATM1 cash transfer display panel, 18 ... A
TM1 withdrawal display panel, 19 ... ATM1 card transfer display panel, 20 ... ATM2 deposit display panel, 21
... ATM2 cash transfer display panel, 22 ... ATM2 withdrawal display panel, 23 ... ATM2 card transfer display panel, 24 ... Customer A, 25 ... Customer B, 26 ... Doorway,
27 ... A time zone: normal time zone for withdrawal transactions, etc. 28 ... B time zone: normal time zone for withdrawal transactions, etc. 29 ... C time zone: normal time zone for withdrawal transactions, 30 ... D time zone : Overcrowding time zone for withdrawal transactions, 31 ... E time zone: Normal time zone for withdrawal transactions, etc.
32 ... F time zone: normal time zone of withdrawal transaction, 33 ... G time zone: quiet time zone of withdrawal transaction, 34 ... H time zone: quiet time zone of withdrawal transaction, 35 ... I time zone : Time zone for withdrawal transactions, etc., 36 ... J time zone: time for congestion withdrawal transactions, etc.

Claims (2)

[Claims] 1. A plurality of automated teller machines (hereinafter referred to as ATMs) or automated cash withdrawal apparatuses (hereinafter referred to as CDs), etc., are limited to each transaction such as withdrawal and deposit (hereinafter referred to as degeneracy function), for example, of an When there are few remaining banknotes, we will reduce the withdrawal process so that customers can deposit.
In other ATMs, a method of controlling by associating a plurality of ATMs or CDs so that degeneracy is limited to deposit processing. 2. While using the ATM or the CD according to claim 1, a function for detecting the frequency of use of the customer by a transaction interval, a sensor, etc. is provided, and some transaction is being degenerated even if it is possible to make the transaction possible. A method to restore ATM or CD to a usable state immediately.