JP6402588B2 - Cash processing apparatus and cash processing system - Google Patents

Description

  The present invention relates to a cash processing apparatus and a cash processing system, and can be applied to, for example, a cash processing apparatus and a cash processing system used in a financial institution or a commercial facility.

  For example, a cashier that performs cash processing is arranged in a backyard in a store such as a financial institution (see Patent Document 1).

  There are various methods of transaction processing using such a teller machine depending on the operation of a financial institution, etc., but broadly divided, transaction processing is performed by linking the counter terminal operated by the operator and the teller machine. There are linked transactions and non-linked transactions that do not link the counter terminal and the teller machine.

  Conventionally, when paying out cash from a cash machine, when the operator specifies the payment amount described in the cash slip and the operator confirms it, the cash machine outputs a receipt printed with the confirmed transaction details. The transaction is completed after the specified amount of cash is paid out.

JP 2008-234461 A

  With a conventional teller machine, a transaction is established when all the specified amount of cash has been paid out.

  By the way, after the confirmation operation by the operator is performed in the cashier, some trouble may occur, and it may occur that the specified amount of cash cannot be paid out. In such a case, various measures are taken depending on the operation of the financial institution or the like.

  For example, when a trouble occurs in the teller machine, the amount of payment is again designated by the operator after the trouble recovery work is performed. However, in such a case, the customer is kept waiting until the failure recovery work is completed and the cash is paid out again.

  Moreover, in order not to make a customer wait, it may respond temporarily by the manual payment which withdraws insufficient cash from a safe or the like.

  In the case of this type of manual payment, the operator will re-specify the amount of money that the cashier could actually pay after the failure recovery, and the receipt of the money that the cashier could pay out normally. May be output to complete the transaction. However, at the time of finalization, the person in charge checks the cash in the store by collating with slips and receipts, etc., but since the cash is withdrawn from the safe etc., the transaction amount indicated on the slip, Since the transaction amount described in the receipt from the cashier is different, the confirmation of the amount by manual payment becomes complicated.

  Therefore, even if a failure occurs when paying out cash, the person in charge can easily pay by hand without waiting for the customer. There is a need for a cash processing apparatus and a cash processing system that can reduce work.

In order to solve this problem, a cash processing apparatus according to the first aspect of the present invention includes (1) a cash processing unit that performs management processing of input cash or cash to be paid out, and (2) pays out from the cash processing unit. A control unit that outputs payout shortage information about cash that is insufficient with respect to the cash to be paid out when all or part of the cash to be paid out cannot be paid out , (3) an operation unit, (4 ) Display unit, and the control unit establishes the transaction before the payout process by the cash processing unit when the confirmation key in the operation unit is pressed with respect to the transaction content displayed on the display unit. Features.
The cash processing apparatus according to the second aspect of the present invention includes (1) a cash processing unit that performs management processing of input cash or cash to be paid out, and (2) all or part of cash to be paid out from the cash processing unit. A control unit that outputs insufficient payout information regarding cash that is insufficient with respect to the cash to be paid out when the cash cannot be paid out, and the control unit is stored at least inside the cash processing apparatus. The amount of output and amount of payout shortage information that has occurred up to the present time from the previous aggregation process is output as the aggregation result during the predetermined aggregation process. .
The cash processing apparatus according to the third aspect of the present invention includes (1) a cash processing unit that performs management processing of input cash or cash to be paid out, and (2) all or part of cash to be paid out from the cash processing unit. And a control unit that outputs insufficient payout information regarding cash that is insufficient with respect to the cash to be paid out when the cash cannot be paid out, and the control unit is housed inside the cash processing apparatus. Pays the amount that is the difference between the specified amount and the amount actually paid out from the cash processing department based on the shortage payout information at the time of the predetermined tabulation process. The infeasible amount is subtracted from the machine balance, and the unpaid amount is added to the balance on hand.

A cash processing system according to a fourth aspect of the present invention includes a transaction management unit by adding serial number information to transaction information acquired from each connected cash processing apparatus or terminal, and is linked with the cash processing apparatus or terminal. In the cash processing system that performs predetermined cash processing, the cash processing device is the cash processing device according to the first aspect of the present invention.

  According to the present invention, even if a failure occurs when paying out the cash, the person in charge can easily perform the payment without waiting for the customer, and further, by clarifying the payment result, Confirmation work at the time of aggregation can be reduced.

It is an internal block diagram which shows the internal structure of the teller machine which concerns on 1st Embodiment. It is a whole lineblock diagram showing the whole cash processing system composition which performs cooperation dealing concerning a 1st embodiment. It is a figure which shows the example of a form of the cash processing system which performs a cooperation transaction. It is an external appearance perspective view which shows the external appearance structure of the teller machine which concerns on 1st Embodiment. It is explanatory drawing explaining the flow of the cooperation payment in a cash processing system. It is a flowchart which shows the operation | movement of the teller machine at the time of a failure | occurrence | production in the case of the coordinated payment accompanying change. It is explanatory drawing explaining the flow of the cooperation payment in a cash processing system. It is a flowchart which shows operation | movement of the cash machine at the time of a failure | occurrence | production in the case of cooperation payment or cancellation of cooperation payment. It is explanatory drawing explaining the example of printing of the manual payment receipt which concerns on 1st Embodiment. It is a flowchart which shows operation | movement of the teller machine at the time of a failure | occurrence | production in the case of a non-cooperation transaction. It is explanatory drawing explaining the example of printing of the tightening total receipt which concerns on 3rd Embodiment. It is a flowchart which shows the collection process of the manual payment by the machine payment redoing in the teller machine which concerns on 4th Embodiment. It is a flowchart which shows the operation | movement in the teller machine in the case of cooperation payment with change or cooperation withdrawal cancellation. It is a block diagram which shows the structural example of the transaction completion receipt which the teller machine in 5th Embodiment outputs. It is a flowchart which shows the operation | movement in the teller machine in the case of cooperation payment or cooperation payment cancellation. It is a block diagram which shows the structural example of the transaction completion receipt which the teller machine in 5th Embodiment outputs. It is a flowchart which shows the operation | movement in the teller machine which performs the non-cooperation transaction which concerns on 6th Embodiment. It is a block diagram which shows the structural example of the transaction completion receipt which the teller machine in 6th Embodiment outputs (the 1). It is a block diagram which shows the structural example of the transaction completion receipt which the teller machine in 6th Embodiment outputs (the 2). It is an internal block diagram which shows the internal structure of the teller machine which concerns on deformation | transformation embodiment.

(A) 1st Embodiment Below, 1st Embodiment of the cash processing apparatus and cash processing system which concern on this invention is described in detail, referring drawings.

  In 1st Embodiment, the case where this invention is applied to the cash processing system using the teller machine and the teller machine installed in the store of a financial institution is illustrated.

  Moreover, 1st Embodiment illustrates the case where the counter terminal in a store of a financial institution and a teller machine perform the cooperation transaction which cooperates data and performs a deposit / withdrawal process.

  A coordinated transaction refers to performing transaction processing while linking data between a window terminal and a teller machine. Collaborative transactions include transaction types such as collaborative deposits, collaborative withdrawals, collaborative deposit cancellations, and collaborative withdrawals.

  For linked deposit transactions (hereinafter also referred to as linked deposits) and linked withdrawal cancellation transactions (hereinafter also referred to as linked withdrawals cancellation), cash in the deposit amount is deposited into the depositing machine by the operator's operation at the depositing machine. Information is sent to the transaction database server. The transaction database server issues a serial number, and the issued serial number and deposit amount are given to the teller machine. Then, the operator moves to the window terminal, and the window terminal transmits the serial number and the deposit amount input by the operator operation to the transaction database server, and the transaction is finalized by the operator.

  In the linked withdrawal transaction (hereinafter also referred to as linked withdrawal) and the linked deposit cancellation transaction (hereinafter referred to as linked withdrawal cancellation), the window terminal gives the withdrawal amount specified by the operator operation to the transaction database server. . The transaction database server issues a serial number, and the issued serial number is given to the window terminal. Then, the operator goes to the teller machine, and the teller machine transmits the withdrawal amount and serial number input by the operator operation to the transaction database server, and the operator confirms the transaction, thereby completing the transaction.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Cash Processing System FIG. 2 is an overall configuration showing an overall configuration of a cash processing system that performs cooperative transactions according to the first embodiment. FIG.

  In FIG. 2, the cash processing system 1 according to the first embodiment includes a teller machine 2, a window terminal 3, and a transaction database server (transaction DB) 4.

  The cash processing system 1 performs a deposit / withdrawal transaction by linking data between the cashier 2 and the window terminal 3. The cash processing system 1 can widely adopt various forms.

  FIG. 3 is a diagram illustrating a form example of the cash processing system 1 that performs cooperative transactions. FIG. 3 (A) is a diagram showing a case where the teller machine 2 and the window terminal 3 perform a cooperation process via the server 5 equipped with the transaction DB 4. FIG. 3 (B) is a diagram showing a case where the teller machine 2 is equipped with the transaction DB 4 and performs the cooperation process. FIG. 3C is a diagram showing a case where the window terminal 3 is equipped with the transaction DB 4 and performs the cooperation process. As shown in FIGS. 3A to 3C, the transaction DB 4 may be mounted on any of the server 5, the teller machine 2, and the window terminal 3.

  The cashier 2 manages cash deposits and withdrawals that should be managed in the store of the financial institution. For example, the teller machine 2 is installed in a backyard such as behind a customer service counter in a financial institution store.

  The teller machine 2 is connected to the teller machine 2 through a communication line and linked with the teller terminal 3 in cooperation with the teller terminal 3 and the teller machine 3 without any cooperation with the teller terminal 3. In this embodiment, the case where it is possible to deal with a cooperative transaction will be described.

  The teller machine 2 has a machine balance management function for managing cash (machine balance) stored in the teller machine 2. The teller machine 2 has a cash management function for managing not only the cash in the teller machine 2 but also cash stored in a safe in a store of a financial institution. You may do it. Whether or not to use one or both of the opportunity inventory management function and the hand inventory management function can be set according to the operation of the financial institution or the like.

  A plurality of teller machines 2 may be installed in a financial institution store. In this case, a certain cashier 2 cooperates with other cashiers 2 to manage the deposit / withdrawal information of the entire store, the amount of opportunity and the amount of money on hand, and the totaling process (so-called closing process). You may do it.

  The window terminal 3 performs deposit / withdrawal processing in response to an operator operation at the window. The window terminal 3 performs a cash deposit / withdrawal process. On the other hand, the cashier 2 performs a large amount of cash deposit / withdrawal processing. Accordingly, when the amount to be deposited or withdrawn is large (for example, 1 million yen), the window terminal 3 performs a cooperative transaction with the cashier 2 by an operator operation.

  The transaction DB 4 is a database server that manages transaction contents. The transaction DB 4 issues a serial number for the transaction, and stores and manages the transaction content associated with the serial number when the transaction is established.

(A-1-2) Detailed configuration of the teller machine FIG. 4 is an external perspective view showing the outer configuration of the teller machine 2 according to the first embodiment.

  In FIG. 4, the depositing / dispensing machine 2 according to the first embodiment includes a banknote depositing / dispensing machine 201 for depositing / withdrawing a plurality of banknotes in units of one sheet, and a predetermined number of banknotes of each denomination (for example, 100). Sealed small bundle payment machine 202 for storing or withdrawing small bundles in a sealed and small bundle, banknotes for replenishing banknotes in cash cassettes or collecting cash from cash cassettes Replenishment and recovery machine 203, new ticket payment machine 204 for dispensing new denominations of each denomination, and a bar metal for depositing a bar metal wrapped with a resin film, etc. Payment machine 205, coin depositing and dispensing machine 206 for depositing and withdrawing coins in units of one sheet, for example, post-cash post 207 that takes in and stores securities such as checks and time deposit certificates, and controls the entire cashier 20 function Control device 208, processing details such as deposit and withdrawal Authentication printer 209 to output the print to a constant of the form such as a display 210, a keyboard 211.

  The configuration of the teller machine 2 illustrated in FIG. 4 is an example, and the teller machine 2 may include all or some of the plurality of components illustrated in FIG. 4. Further, the arrangement of the plurality of components is not particularly limited.

  FIG. 1 is an internal configuration diagram showing an internal configuration of a teller machine 2 according to the first embodiment. In FIG. 1, for easy explanation, main components related to depositing or dispensing in the cashier 2 are shown.

  In FIG. 1, the teller machine 2 is roughly divided into a coin processing machine 100, a banknote processing machine 200, a display unit 103, an operation unit 104, a card reader 105, a slip recording unit 106, a storage unit 107, a main control unit 108, and a communication unit. 109.

  The display unit 103 is a display unit that displays various processing operation guidance, an input screen, input information, a deposit amount of money or a withdrawal amount of money type, and the like on a liquid crystal display (LCD), for example. The display unit 103 includes the display 210 of FIG.

  The operation unit 104 is operated by a user. For example, a physical input unit such as a keyboard or a numeric keypad or an input unit such as a touch panel arranged on the display unit 103 can be applied. The operation unit 104 includes the keyboard shown in FIG.

  The card reader 105 reads information stored in an ID card used by an operator or a person in charge, and gives read information to the main control unit 108.

  The slip recording unit 106 records and outputs the amount of money received or withdrawn by the coin processing machine 100 or the banknote processing machine 200, the number of money types, and the like on a receipt. For example, a printer or the like can be applied to the slip recording unit 106.

  The storage unit 107 has a counter table for storing deposit / withdrawal processing history, change storage deposit / withdrawal history, collection deposit / receipt history, etc., and stores a control program executed by the main control unit 108 to be described later. Further, the result of processing by the main control unit 108 is also stored.

  The main control unit 108 controls processing of the cash processing machine 2 as a whole based on a control program stored in the recording unit 7. The main control unit 108 has a deposit / withdrawal processing function for performing a change / withdrawal process and a deposit / withdrawal process, and a change amount management function for managing the change in the amount of change.

  The coin processing machine 100 stores and manages coins by denomination.

  The coin processing machine 100 separates coins received from the coin deposit port 111 that accepts all the coins to be input, and the coins received into the coin deposit port 111 one by one, and identifies and identifies the coin denominations. A coin discriminating unit 112 that counts for each denomination, a coin temporary holding unit 113 that temporarily holds the coins discriminated and counted by the coin discriminating unit 112, and a plurality of coin deposit / withdrawal safes 114 that store coins by denomination, A coin reject port 117 and a control unit 118 that controls the operation of the entire coin processor 100 based on a control program are included.

  For example, the inside of the coin temporary storage unit 113 and the coin deposit / withdrawal safe 114 is divided so that coins can be collected and stored for each denomination.

  Further, for example, a conveyance path such as a conveyance belt that conveys the coins separated by the separation unit is provided between the coin deposit port 111 and the coin discrimination unit 112. Each coin deposit / withdrawal safe 114 is provided with a sorting means for sorting the coins to be discharged for each denomination and a counting means for counting the passing coins for each denomination.

  The banknote handling machine 200 stores and manages banknotes by denomination.

  The banknote handling machine 200 accepts banknotes that are inserted at the time of depositing processing at the same time, and discharges banknotes as change during the withdrawal process, and one banknote received at the banknote depositing / dispensing port 221. The banknote discriminating unit 222 that separates the banknotes and discriminates the denominations of the banknotes and counts the banknotes discriminated for each denomination, and the banknotes temporarily accumulated and accumulated in the banknotes that have been differentially counted by the banknote discrimination unit 222 A holding unit 223, a banknote deposit / withdrawal safe 224 for storing banknotes by denomination, a banknote reject unit 226, and a control unit 227 that controls the operation of the entire banknote handling machine 200 based on a control program are configured. .

  Here, for example, the temporary storage unit 223 is provided with a feeding means for feeding out banknotes. Further, for example, the banknote depositing / dispensing safe 224 is also provided with banknote stacking means together with feeding means for feeding banknotes to the transport path.

  Note that the control unit 118 of the coin processing machine 100 and the control unit 227 of the banknote processing machine 200 control the coin processing machine 100 and the banknote processing machine 200 according to instructions from the main control unit 108.

  The communication unit 109 exchanges information with the window terminal 3 and the transaction DB 4 via a network (for example, LAN).

(A-2) Operation of First Embodiment Next, a deposit / withdrawal transaction process in the cashier 2 according to the first embodiment will be described in detail with reference to the drawings.

  Below, the operation | movement of the cash machine 2 at the time of the failure | occurrence | production at the time of performing the case of cooperation payment or change cancellation | release with cooperation payment with a change and the case of cooperation payment or cancellation | release of cooperation payment is demonstrated in order.

(A-2-1) Coordinated deposit with change or collaborative withdrawal cancellation Coordinated deposit and collaborative withdrawal cancellation can be performed by the same operation. Therefore, here, a case where cooperative payment is performed will be described as an example.

  First, after explaining the general flow of cooperative payment using FIG. 5, the operation of the teller machine 2 when a failure occurs in the case of cooperative payment accompanied with change will be described using FIG.

  FIG. 5 is an explanatory diagram illustrating the flow of cooperative depositing in the cash processing system 1.

  An amount to be deposited is described in the deposit slip, and the operator operates the depositing machine 2 and the window terminal 3 to perform a deposit transaction on the amount described in the deposit slip.

  First, the operator moves to the cashier 2 and inputs the amount described in the deposit slip (S10), and inserts cash into the cashier 2 (S11).

  At this time, in the cashier 2, the inserted cash is subjected to a discrimination process, counting of the number of denominations, and the like. In addition, the inserted cash is temporarily stored in the temporary storage unit (the banknote temporary storage unit 223, the coin temporary storage unit 113). Further, the teller machine 2 determines whether or not the amount of cash inserted by the operator is larger than the input designated amount. That is, the teller machine 2 determines whether or not there is a change.

  In the teller machine 2, the display unit 103 displays the deposit information (that is, the number of denominated cash, the amount, the total transaction amount, etc.). If there is a change, information including the number of change denominations and the total amount is also displayed. Further, in order to confirm the transaction, a confirmation operation (for example, pressing of a confirmation button for confirming the transaction) is performed by an operator operation.

  The teller machine 2 transmits to the transaction DB 4 payment information including information such as the number of denominations of the amount of cash inserted and the amount of payment (including the number of change denominations and the total amount if there is change). (S12).

  When the deposit information is received by the transaction DB 4, the transaction DB 4 issues a serial number and associates the issued serial number with the deposit information and registers them in the deposit queue (S13). At this time, in the transaction DB 4, the serial number and the deposit information are registered in the deposit queue, but at the present time, the transaction has not yet been established. Therefore, the serial number and the deposit information are registered in the deposit queue as the processing regarding the transaction establishment is unprocessed.

  The serial number issued by the transaction DB 4 is transmitted to the teller machine 2 (S14). The teller machine 2 outputs a transaction completion receipt including the serial number issued by the transaction DB 4, the number of denominated money, the total amount, and the like.

  Here, the teller machine 2 stores the cash temporarily stored in the temporary storage unit in the storage cassette after outputting the transaction confirmation receipt. If there is a change, the teller machine 2 withdraws the number and amount of change denominations.

  The operator moves to the window terminal 3 with the transaction completion receipt output from the teller machine 2. At the window terminal 3, an operator operation inputs the serial number and the deposit amount described in the transaction receipt (S15), and the input serial number and deposit amount are transmitted to the transaction DB 4 (S16).

  Then, in the transaction DB 4, the corresponding deposit information is read from the deposit queue based on the serial number acquired from the counter terminal 3, and it is determined whether or not the deposited denomination number and amount are correct. The transaction is finalized (S17).

  FIG. 6 is a flowchart showing the operation of the teller machine 2 when a failure occurs in the case of cooperative payment with change.

  In the teller machine 2, a menu selection screen on which a transaction type can be selected is displayed on the display unit 104 (S21). Also, linked payment is selected by the operator's operation, the specified amount (transaction amount) described in the payment slip is input, and cash is input to the cashier 2 (S22). At this time, the input designated amount (transaction amount) is given to the main control unit 108.

  In the cashier 2, the inserted cash is subjected to a discrimination process and a counting process by a discrimination unit (coin discrimination unit 112, banknote discrimination unit 222) (S <b> 23), and a temporary storage unit (coin temporary storage unit 113, banknote temporary storage). Part 223).

  In the teller machine 2, the main control unit 108 receives the counting result by the discrimination unit, and acquires the number of denominations and the amount of money that have been input. The main control unit 108 determines whether or not there is a change based on the count result by the discrimination unit and the specified amount (S24). If there is a change, the process proceeds to S25, and if there is no change, the process proceeds to S26.

  In S25, the number of denominations of change is input by an operator operation (S25).

  Then, if there is a change in the number and amount of denominated cash, and change, the transaction content of the change in denomination number and amount is displayed on the display unit 103, and the operator confirms the transaction content.

  When the transaction details are correct, when the operator presses the confirmation button (completion key) on the operation unit 104 (S26), the main control unit 108 determines that the transaction has been completed, and the main control unit 108 slips the transaction completion receipt on which the transaction details are printed. The data is output from the recording unit 106 (S27).

  The teller machine 2 transmits the payment information to the transaction DB 4 and registers the input information in the payment queue (S28). As described above, since the transaction has not yet been established at this time, the serial number and the deposit information are registered in the deposit queue as unprocessed.

  When the serial number from the transaction DB 4 is received in the teller machine 2, the cash stored in the temporary holding unit is stored in the cash cassette (S29).

  Further, the main control unit 108 checks whether or not there is a change (S30). If there is a change, the process proceeds to S31. If there is no change, the process proceeds to S33.

  When there is a change, the coin processing machine 100 and the banknote processing machine 200 pay out the cash amount of the change and the amount of cash from the cash cassette (S33). Then, when all the changes are returned, the linked payment ends (S34). At this time, the discrimination unit counts the number of denominations and the amount of cash to be withdrawn, and the count result is notified to the main control unit 108.

  Here, the main control unit 108 checks whether or not a payment jam has occurred in the coin processing machine 100 and the banknote processing machine 200 (S31). And when payment jam arises with the coin processing machine 100 and the banknote processing machine 200, a process transfers to S32. On the other hand, when no payment jam occurs, the process proceeds to S33.

  When a payment jam occurs, all or part of the change is not paid out from the cashier 2. In this case, in order not to wait for the customer, the operator withdraws the number of denominations and the amount of money that is insufficient as change from the safe (this is referred to as “manual payment”). In other words, the operator pays the customer together with the amount of cash paid out from the cashier 2 and the cash for the manual payment, which is a change shortage.

  The main control unit 108 is notified from the coin processing machine 100 and the banknote processing machine 200 of the number of denominated cash and the counting information of the amount.

  Further, the main control unit 108 sets the amount paid out as “machine payment” based on the counting information from the coin processing machine 100 and the banknote processing machine 200. Further, the main control unit 108 checks whether or not “specified amount−machine payment amount”> 0. When “specified amount−machine payment amount”> 0, “specified amount−machine payment amount = difference amount” is obtained as the “manual payment” amount.

  The main control unit 108 notifies the slip recording unit 106 of the amount of “machine payment” and the amount of “manual payment”, and receives the amount of “machine payment” and the amount of “manual payment” (this is referred to as “manual payment receipt”). The slip recording unit 106 outputs a manual payment receipt (S32).

  In S33, the number of denominations and the amount of change are returned (S33), and when all the changes are returned, the linked payment ends (S34).

  As described above, in linked payment with change payment, before the operator makes change payment, the payment queue can be updated to registered by the operator's confirmation operation to complete the transaction. In addition, if the specified change cannot be paid due to a trouble with the cashier 2, etc., the amount printed on the manual payment receipt is printed by printing the number of denominations of the manual payment amount on the manual payment receipt. The person in charge completes the transaction by paying out from the safe.

(A-2-2) Coordinated Withdrawal or Coordinated Payment Cancellation Next, the operation of the cashier 2 when a failure occurs in the case of coordinated withdrawal or coordinated deposit cancellation will be described.

  In the following, first, the general flow of linked payment will be described with reference to FIG. 7, and then the operation of the teller machine 2 when a failure occurs in the case of linked payment with change will be described with reference to FIG.

  FIG. 7 is an explanatory diagram illustrating the flow of cooperative withdrawal in the cash processing system 1.

  The amount to be withdrawn is described in the withdrawal slip, and the operator operates the withdrawal machine 2 and the window terminal 3 to perform the withdrawal transaction with the amount described in the withdrawal slip.

  First, the operator inputs the amount described in the withdrawal slip at the window terminal 3 (S40).

  The window terminal 3 transmits the withdrawal information including the input withdrawal amount to the transaction DB 4 (S41).

  When the withdrawal information is received by the transaction DB 4, the transaction DB 4 issues a serial number, associates the issued serial number with the withdrawal information and registers them in the withdrawal queue (S42), and the transaction DB 4 stores the serial number in the window terminal 3 (S43). At this time, since the transaction has not yet been established in the transaction DB 4, the serial number and the withdrawal information are registered in the withdrawal queue as unprocessed.

  The operator moves from the window terminal 3 to the teller machine 2. In the cashier 2, the serial number and the withdrawal amount are input by an operator operation (S44), and the entered serial number and the withdrawal amount are transmitted to the transaction DB 4 (S45). At this time, in the cashier 2, the display unit 103 displays the withdrawal information, and a confirmation operation is performed by an operator operation.

  In the transaction DB 4, the withdrawal queue is inquired based on the serial number from the cash machine 2, the corresponding withdrawal information is read, the number of denominations to be withdrawn, and whether the amount is correct are determined. The transaction DB 4 updates the withdrawal queue and establishes the transaction (S46).

  The transaction DB 4 transmits information indicating the completion of the transaction to the teller machine 2 (S47). Then, in the cashier 2, the designated number of denominations and the amount of cash are withdrawn, and the cooperative withdrawal is completed.

  FIG. 8 is a flowchart showing the operation of the teller machine 2 when a failure occurs in the case of linked withdrawal or linked deposit cancellation.

  In the teller machine 2, a menu selection screen for selecting a transaction type is displayed on the display unit 104 (S51). Also, linked withdrawal or linked deposit cancellation is selected by the operator's operation, and the serial number and designated amount (transaction amount) obtained at the window terminal 3 are input (S52). At this time, the input serial number and specified amount (transaction amount) are given to the main control unit 108.

  The main control unit 108 inquires the designated amount corresponding to the serial number from the withdrawal queue of the transaction DB 4 based on the input serial number and the designated amount based on the transaction DB 4 (S53). The display unit 104 displays the inquiry result and the designated amount.

  The main control unit 108 designates the denomination according to the designated amount by the operator operation (S54), and the operator presses the confirmation button (completion key) (S55). When the confirmation button is pressed, the transaction DB 4 updates the withdrawal queue registered in the withdrawal queue as processed (S56).

  The main control unit 108 outputs a transaction completion receipt on which the transaction details are printed from the slip recording unit 106 (S57).

  Further, the main control unit 108 instructs the coin processing machine 100 and the banknote processing machine 200 to withdraw a specified number of denominations, and the coin processing machine 100 and the banknote processing machine 200 have the specified amount of denominations. Is paid out from the storage cassette (S58). At this time, the discrimination unit counts the number of denominations and the amount of cash to be withdrawn, and the count result is notified to the main control unit 108.

  Here, the main control unit 108 checks whether or not a payment jam has occurred in the coin processing machine 100 and the banknote processing machine 200 (S59). And when payment jam arises with the coin processing machine 100 and the banknote processing machine 200, a process transfers to S61. On the other hand, when no payment jam occurs, the process proceeds to S60.

  When a payment jam occurs, all or part of the cash to be withdrawn is not paid out from the cashier 2. In this case, as in the case of linked payment, in order not to wait for the customer, the operator can provide cash for the amount paid out from the cashier 2 and cash for manual payment that is a change shortage. At the same time, pay to customers.

  The main control unit 108 is notified from the coin processing machine 100 and the banknote processing machine 200 of the number of denominated cash and the counting information of the amount.

  Further, the main control unit 108 sets the amount paid out as “machine payment” based on the counting information from the coin processing machine 100 and the banknote processing machine 200. Further, the main control unit 108 checks whether or not “specified amount−machine payment amount”> 0. When “specified amount−machine payment amount”> 0, “specified amount−machine payment amount = difference amount” is obtained as the “manual payment” amount.

  The main control unit 108 notifies the slip recording unit 106 of the amount of “machine payment” and the amount of “manual payment”, and receives the amount of “machine payment” and the amount of “manual payment” (this is referred to as “manual payment receipt”). The slip recording unit 106 outputs a manual payment receipt (S60). When all the cash has been withdrawn, the linked withdrawal ends (S61).

  FIG. 9 is an explanatory diagram for explaining a print example of the manual payment receipt according to the first embodiment.

  In FIG. 9, the manual payment receipt 300 includes at least “designated amount information 301”, “hand payment information 302”, and “serial number information 303”.

  Note that FIG. 9 shows a print example of the manual payment receipt 300 that is output in the case of linked withdrawal. Similarly, in the case of linked payment, linked withdrawal cancellation, and linked withdrawal cancellation, at least “specified amount information” 301 ”,“ payment information 302 ”, and“ serial number information 303 ”.

  The designated amount information 301 is information including the designated amount input at the window terminal 3 in the case of cooperative withdrawal. The manual payment information 302 is information including cash (“designated amount−machine payment amount = difference”) that could not be paid out due to a failure of the cashier 2 or the like in the case of linked withdrawal. The serial number information 303 is information including a serial number paid out by the transaction DB 4 at the time of cooperative transaction.

  As shown in FIG. 9, the cash payment receipt 900 has “designated amount information 301”, “payment information 302”, and “sequential number information 303”, so that linked withdrawal and linked deposit cancellation (accounting at the counter terminal) (If processing is completed), the transaction data is linked, and the transaction is completed by updating the queue with the confirmation operation of the operator before cash payment, and the transaction is completed. Even if the payment is not made (operations that do not modify the amount of linked withdrawals on the cash machine), the specified amount = machine payment amount + hand payment amount, and the amount of denominations for the amount of the manual payment amount is the same as above Is printed on the manual payment receipt, the transaction can be completed when the person in charge pays out the amount printed on the manual payment receipt from the safe.

  The contents printed on the manual payment receipt 300 are not limited to those illustrated in FIG.

  For example, in order to make it easier for the operator to operate, when 100 or more denominations of the same type of banknote cannot be paid out, the unit of 100 denominations is printed as “bundle” on the manual payment receipt 300 and the unit of fraction is “ "Sheet" may be printed. Similarly, when 50 or more coins of the same denomination cannot be paid out, the unit of 50 denominations is printed on the manual payment receipt 300 and the unit of fraction is printed as “sheets”. good.

(A-3) Effects of the First Embodiment As described above, according to the first embodiment, the trouble of performing payment processing again at the time of cash payment can be reduced. Time) can be shortened.

  In addition, according to the first embodiment, since the teller machine outputs a manual payment receipt separately from the transaction completion receipt, there is no need to print and calculate each denomination and unit for the amount to be paid out from the safe. , Prevents miscalculation due to calculation mistakes, and can smoothly pay cash from the safe without waiting for the customer.

  Furthermore, according to the first embodiment, even if an error occurs during tightening, the result of manual payment printing is managed by the teller machine (data storage), so that the confirmation work can be reduced.

(B) 2nd Embodiment Next, 2nd Embodiment of the cash processing machine and cash processing system which concern on this invention is described in detail, referring drawings.

  2nd Embodiment illustrates the case where this invention is applied to the teller machine of the financial institution which performs a non-cooperation transaction.

(B-1) Configuration and Operation of Second Embodiment The external configuration and internal configuration of the teller machine according to the second embodiment are the external configuration shown in FIG. 4 and the internal configuration shown in FIG. 1 according to the first embodiment. It has the same or corresponding component as the configuration.

  Therefore, also in 2nd Embodiment, it demonstrates using FIG.1 and FIG.4, and the same component requirement attaches | subjects and demonstrates the number same as the number shown in FIG.1 and FIG.4.

  The teller machine 2 according to the second embodiment performs a deposit process or a withdrawal process in a non-cooperative transaction. In other words, the designated amount entered is deposited or withdrawn through the operation unit 104 of the cashier 2.

  Here, non-cooperative transactions involving payment by the cashier 2 are deposit, withdrawal, exchange, change change takeout (hereinafter referred to as change takeout), change change return (return amount> input) with change. Change payment).

  Note that the change is the cash of the difference when cash of a specified amount or more is inserted. The change reserve is, for example, cash that has been withdrawn in advance for an outside staff member to pay out to a customer, and always returns to the teller machine 2.

  Similarly to the first embodiment, the cashier 2 according to the second embodiment, when the cashier of the non-cooperative transaction cannot pay the specified amount of cash due to a failure of the cashier 2, etc. The main control unit 108 obtains the “manual payment” amount from the “specified amount” and “machine payment” amount, and prints at least “specified amount information”, “manual payment information”, and “serial number information” on the manual payment receipt. To do.

  FIG. 10 is a flowchart showing the operation of the teller machine 2 when a failure occurs in the case of a non-cooperative transaction.

  In the teller machine 2, a menu selection screen for selecting a transaction type is displayed on the display unit 104 (S70). Further, the payment amount (transaction amount) is input by the operator operation (S71), and the designated amount is displayed on the display unit 104.

  The main control unit 108 designates the denomination according to the payment amount by the operator operation (S72), and the operator presses the confirmation button (completion key) (S73). When the confirmation button is pressed, the main control unit 108 outputs a transaction completion receipt on which transaction details are printed from the slip recording unit 106 (S74).

  The main control unit 108 instructs the coin processing machine 100 and the banknote processing machine 200 to withdraw the number of denominations of the payment amount, and the coin processing machine 100 and the banknote processing machine 200 have the specified number of denominations of cash. Is paid out from the storage cassette (S75). At this time, the discrimination unit counts the number of denominations and the amount of cash to be withdrawn, and the count result is notified to the main control unit 108.

  Here, the main control unit 108 checks whether or not a payment jam has occurred in the coin processing machine 100 and the banknote processing machine 200 (S76). And when payment jam arises with the coin processing machine 100 and the banknote processing machine 200, a process transfers to S77. On the other hand, when no payment jam occurs, the process proceeds to S78.

  When a payment jam occurs, all or part of the cash to be withdrawn is not paid out from the cashier 2. In this case, as in the case of linked payment, in order not to wait for the customer, the operator can provide cash for the amount paid out from the cashier 2 and cash for manual payment that is a change shortage. At the same time, pay to customers.

  The main control unit 108 is notified from the coin processing machine 100 and the banknote processing machine 200 of the number of denominated cash and the counting information of the amount.

  Further, the main control unit 108 sets the amount paid out as “machine payment” based on the counting information from the coin processing machine 100 and the banknote processing machine 200. Further, the main control unit 108 checks whether or not “specified amount−machine payment amount”> 0. When “specified amount−machine payment amount”> 0, “specified amount−machine payment amount = difference amount” is obtained as the “manual payment” amount.

  The main control unit 108 notifies the slip recording unit 106 of the amount of “machine payment” and the amount of “manual payment”, and receives the amount of “machine payment” and the amount of “manual payment” (this is referred to as “manual payment receipt”). The slip recording unit 106 outputs a manual payment receipt (S77). When all the cash is withdrawn, the transaction ends (S78).

(B-2) Effects of the Second Embodiment As described above, according to the second embodiment, the same effects as those of the first embodiment can be obtained even when non-cooperative transactions are performed.

(C) 3rd Embodiment Next, 3rd Embodiment of the cash processing machine and cash processing system which concern on this invention is described in detail, referring drawings.

  3rd Embodiment demonstrates the case where this invention is applied to the teller machine which performs a cooperation transaction or a non-cooperation transaction.

  Further, the third embodiment describes a form in which the number and amount of manual payments are printed on a receipt when performing a tightening counting process in a cashier.

(C-1) Configuration and Operation of Third Embodiment The external configuration and internal configuration of the teller machine according to the third embodiment are the external configuration shown in FIG. 4 and the internal configuration shown in FIG. 1 according to the first embodiment. It has the same or corresponding component as the configuration. Therefore, the third embodiment will be described with reference to FIGS. 1 and 4, and the same constituent elements will be described with the same numbers as those shown in FIGS. 1 and 4.

  The teller machine 2 according to the third embodiment can be applied to any of the teller machines described in the first embodiment or the second embodiment. In other words, in any case of a linked transaction or a non-linked transaction, the present invention can be applied to a transaction in which the cashier 2 manages payout by “manual payment” at the time of deposit or withdrawal.

  The main control unit 108 of the teller machine 2 stores the presence / absence of “payment”, the number of payments by “payment” and the amount of money when depositing or withdrawing. The number and amount of payments made by “payment” are printed on the finalized totaling receipt and output.

  At the time of finalization, the person in charge confirms the transaction confirmation receipt, the cash payment receipt, the finalization receipt, and the receipt output from the counter terminal 3 to confirm the amount of money. Is doing.

  According to the third embodiment, when the closing total receipt on which the number and amount of manual payment are printed is output from the cashier 2, the responsible person can correctly determine the amount paid by manual payment. Therefore, it is possible to prevent miscalculation due to calculation mistakes or fraud at the time of tightening.

  Next, the closing balance calculation processing by the main control unit 108 of the teller machine 2 according to the third embodiment will be described.

  First, as a precondition, it is assumed that the last closing balance is 5 million yen. From the time of the last closing until the following collaborative withdrawals, (a) there is one next day deposit transaction, the deposit amount is 100,000 yen, and (b) the specified amount is 1 million yen Assume that there is a linked withdrawal and 300,000 yen out of the designated amount of 1 million yen could not be paid out.

  In other words, the machine balance of the cashier 2 after the linked withdrawal is 4.4 million yen (= 5 million yen +100,000 yen-700,000 yen).

Under the above preconditions, the main control unit 108 of the cashier 2 calculates the current closing balance from the previous closing balance, calculates the current closing balance from the current machine balance, Print out the final summation receipt.
The main control unit 108 stores the number of “manual payments” from the previous final summation to the current final summation, and prints the number of manual payouts on the final summation receipt.

(I) Pattern 1
First, the main control unit 108 calculates the current closing balance from the previous closing balance. First, the main control unit 108 adds the amount of the deposit-related transaction in the aggregation target category to the previous closing balance, and further subtracts the amount of the withdrawal transaction in the aggregation target category to obtain the current closing balance. .
In other words, the current closing balance = last closing balance + aggregated category payment transaction-aggregated category withdrawal transaction = 5 million yen + 0 yen-1 million yen = 4 million yen

(Ii) Pattern 2
Next, the main control unit 108 calculates the current closing balance from the current machine inventory. The main control unit 108 subtracts the amount of the deposit transaction outside the aggregation target category from the current machine stock, and further adds the amount of the withdrawal transaction outside the aggregation target category, and calculates the current closing balance. Ask.
In other words, the current closing balance = current machine inventory-deposit transactions outside the transaction summary category + withdrawal transactions outside the transaction summary category = 4.4 million yen-100,000 yen + 0 yen = 4.3 million yen

  Next, the main control unit 108 obtains the amount of manual payment based on the tightening balance according to the pattern 1 and the tightening balance according to the pattern 2. Note that the main control unit 108 stores the number of “payments” from the previous final count to the current final count and recognizes the number of manual payouts.

  That is, when the amount of the pattern 2 is greater than the amount of the pattern 1, the main control unit 108 determines that the amount of manual payment is 300,000 (= 4.3 million yen) from “the amount of the pattern 2” − “the amount of the pattern 1”. -4 million yen).

  Then, at the time of tightening aggregation, the main control unit 108 prints 300,000 yen by hand as shown in FIG. 11 (see FIG. 11). As a result, the operator can understand that the current closing balance = 4 million yen, as in the case of Pattern 1, if payment jamming does not occur correctly.

(C-2) Effects of the Third Embodiment As described above, according to the third embodiment, the number of manual payments and the amount of money are printed on the counting result, so that the closing balance can be calculated as the current machine balance. Even with the calculation formula used, it is possible to correctly determine the amount when the operator is able to pay correctly or not, so that it is possible to prevent miscalculation due to calculation mistakes or fraud at the time of the closing match.

(D) 4th Embodiment Next, 4th Embodiment of the cash processing apparatus and cash processing system which concern on this invention is described in detail, referring drawings.

  4th Embodiment demonstrates the case where this invention is applied to the teller machine which performs a cooperation transaction or a non-cooperation transaction.

(D-1) Configuration of Fourth Embodiment The external configuration and internal configuration of a teller machine according to the fourth embodiment are the external configuration shown in FIG. 4 and the internal configuration shown in FIG. 1 according to the first embodiment. It has the same or corresponding components. Therefore, the fourth embodiment will be described with reference to FIGS. 1 and 4, and the same constituent elements will be described with the same numbers as those shown in FIGS. 1 and 4.

  The teller machine 2 according to the fourth embodiment can be applied to any of the teller machines described in the first embodiment or the second embodiment.

  The main control unit 108 of the teller machine 2 according to the fourth embodiment has a machine stock management function and a manual cash management function as a cash management method. In other words, the teller machine 2 manages not only the cash (machine balance) existing in the teller machine 2 but also the cash (hand balance) stored in a safe or the like.

  In the first embodiment and the second embodiment, when the cash paid out from the cashier 2 is less than the designated amount, the operator uses the cash for the hand-paid printed on the hand-paid receipt as a safe. Appropriate from.

  However, the amount of cash that should be stored in the safe is reduced. For this reason, after paying by hand, it is necessary for the cashier to perform cash management and pay out the cash for the manual payment and make up for the safe.

  Therefore, in the fourth embodiment, the main control unit 108 of the teller machine 2 has a function of redeeming the machine payment, pays out the cash for the manual payment, and further adjusts the amount of money in the machine balance and the balance in hand balance. Try to take.

  The main control unit 108 manages the machine stock and hand stock separately, and when there is a manual payment, the machine stock is re-executed by performing a machine payment redo function at the time of tightening aggregation processing. The amount of the hand payment included in is paid out, and the amount of the hand payment is managed as the amount of money on hand. Further, the main control unit 108 deletes the number and amount of money for manual payment.

  As a result, when there is a manual payment at the time of tightening calculation, the cash-out function is executed to execute the machine payment redemption function, and the cash for the manual payment is further subtracted from the machine inventory. At the same time, it is possible to add the amount of cash for hand payment to the cash on hand (safe), and to erase the number and amount of money for manual payment.

(D-2) Operation of the Fourth Embodiment FIG. 12 is a flowchart showing a collection process for manual payments by redoing the machine in the teller machine 2 according to the fourth embodiment.

  First, a menu selection screen is displayed on the display unit 103 of the teller machine 2, and the tightening tabulation process is selected by an operator operation, and the tightening tabulation process starts (S81).

  In the teller machine 2, the main control unit 108 checks whether or not “manual payment” has occurred (S <b> 82). For example, the transaction information of the deposit transaction and withdrawal transaction from the last closing total to the present time is stored in the storage unit 107, and the main control unit 108 is based on the transaction information stored in the storage unit 107. It is determined whether or not there is “manual payment”.

  If there is no “manual payment”, the process proceeds to S85, and the counting process is continued. On the other hand, if there is “manual payment”, the process proceeds to S 83, and a selection screen including a selection button for executing “redo machine payment” is displayed on the display unit 107.

  Then, when “redo machine payment” is selected by the operator's operation (S83), the main control unit 108 withdraws the amount for manual payment by “redoing machine payment” (S84), and the amount for manual payment. Is collected from the machine stock to the hand stock (S85). Then, the main control unit 108 deletes the number and amount of money for manual payment (S86).

  For example, let us say that a one-million-yen collaborative withdrawal was made in the collaborative withdrawals for today. At this time, the teller machine 2 executes the tightening total processing described in the third embodiment, and it is assumed that 300,000 yen of cash cannot be paid out of one million yen of linked withdrawals. .

  The cash that could not be paid by hand until the final summation for the current day from the last summarization count is managed by the cashier, and the operator selects the “re-payment by machine” operation, so that 300,000 yen of cash can be obtained. It is assumed that payment can be made from the teller machine 2.

  In this case, the main control unit 108 withdraws the cash of 300,000 yen for the manual payment by the payment transaction by “redoing the machine payment”, and subtracts the amount of the manual payment from the machine stock, Add the amount paid manually. Then, the number and amount of the manual payment are deleted from the counting result.

  Also, if the 300,000 yen on hand payments generated in today's category transactions are not paid out by redemption, the redemption is invalid.

(D-3) Effect of the Fourth Embodiment As described above, when there is no “re-payment by machine”, the amount manually paid in the collection work must be allocated to the safe. The number of collection operations and the amount of money are added to the total. Originally, in the collection work from the machine balance to the balance on hand, it is a work for the purpose of paying out the surplus cash of the cashier from the cashier and storing it in the safe.

  However, if the current situation is as it is, after the hand-paid portion is temporarily borrowed from the safe, it is collected and recorded as a business for returning the cash that should originally be in the safe. For this reason, there is a possibility that it takes time for the reconciliation work when there is a miscalculation at the time of tightening.

  According to the fourth embodiment, the main control unit provides a “re-payment by machine” operation as a cash management method, so that it is possible to pay out the manual payment agent, so that it is not counted as a collection, and further, the manual payment amount is calculated from the aggregated result. By erasing, each operation can be performed with the correct purpose, and therefore, it is possible to reduce the miscalculation due to calculation mistakes and frauds by the operator at the time of final counting.

(E) 5th Embodiment Next, 5th Embodiment of the cash processing machine and cash processing system which concern on this invention is described in detail, referring drawings.

  5th Embodiment illustrates the case where this invention is applied to the teller machine of the financial institution which performs cooperation transaction.

(E-1) Configuration of Fifth Embodiment Conventionally, in the cooperative transaction, the transaction DB 4 registers and updates transaction information in a queue in order to link data between the window terminal 3 and the teller machine 2. . The transaction could not be completed unless the cash dispenser 2 finished paying out normal cash.

  Therefore, in the fifth embodiment, in the cooperative transaction, after the operator presses the confirmation button, before the payout process of the cashier 2 is started, the transaction information in the transaction DB 4 (serial number and deposit information or withdrawal information is displayed. Update the queue of linked information).

  As a result, the transaction is completed when the queue update is successful, so that even if a cooperative transaction is made, the transaction can be completed regardless of whether or not a payment failure occurs. Therefore, the time to wait for the customer can be shortened.

  The external configuration and internal configuration of the teller machine according to the fifth embodiment include the same or corresponding components as the external configuration shown in FIG. 4 and the internal configuration shown in FIG. 1 according to the first embodiment. Therefore, also in 5th Embodiment, it demonstrates using FIG.1 and FIG.4, and the same structural requirement attaches | subjects and demonstrates the number same as the number shown in FIG.1 and FIG.4.

  The main control unit 108 of the teller machine 2 performs transaction information (serial number and deposit information) in the queue registration of the transaction DB 4 before the payout process of the teller machine 2 starts after the operator presses the confirmation button when performing the cooperative transaction. (Or information associated with withdrawal information) is updated.

(E-2) Operation of Fifth Embodiment (E-2-1) Coordinated Payment with Change or Coordinated Withdrawal Cancellation The overall flow of coordinated deposit or coordinated withdrawal is the first embodiment. This corresponds to or corresponds to FIG. Therefore, the description of the overall flow of linked deposit or withdrawal of linked withdrawal is omitted here.

  FIG. 13 is a flowchart showing the operation of the cashier 2 in the case of linked deposit with change or linked withdrawal cancellation. In FIG. 13, processes that are the same as or correspond to the processes shown in FIG. 6 are assigned the same numbers as the numbers shown in FIG. 6.

  In the cashier 2, a menu selection screen is displayed on the display unit 104 (S21). “Cooperative deposit” or “Coordinated withdrawal cancellation” is selected by an operator operation. The operator inputs a designated amount (transaction amount) and cash is put into the cashier 2 (S22).

  The cash put into the teller machine 2 is subjected to a discrimination process and a counting process by the discrimination unit (coin discrimination unit 112, banknote discrimination unit 222) (S23), and the cash is stored in the temporary storage unit.

  The main control unit 108 determines whether or not there is a change based on the count result by the discrimination unit and the specified amount (S24). If there is a change, the process proceeds to S25, and if there is no change, the process proceeds to S26. In S25, the number of denominations of change is input by an operator operation (S25).

  Then, if there is a change in the number and amount of denominated cash, and change, the transaction content of the change in denomination number and amount is displayed on the display unit 103, and the operator confirms the transaction content.

  If the transaction details are correct, the operator presses a confirmation button (completion key) that is a hard key of the operation unit 104 (S91).

  When the confirmation button is pressed by an operator operation, the main control unit 108 transmits the deposit information to the transaction DB 4 and registers the deposit information in the deposit queue (S92). As described above, in the fifth embodiment, after the confirmation button is pressed, before the cash payout process is started after the transaction receipt receipt is output from the cashier 2, the payment information is registered in the payment queue. Since the transaction has not yet been established at this time, the serial number and the deposit information are registered in the deposit queue as unprocessed.

  Thereafter, the teller machine 2 obtains a serial number from the transaction DB 4, and the main control unit 108 outputs a transaction completion receipt on which transaction details are printed from the slip recording unit 106, assuming that the transaction has been completed (S93).

  FIG. 14 is a configuration diagram illustrating a configuration example of a transaction completion receipt output by the teller machine 2 in the fifth embodiment. FIG. 14 (A) is a transaction establishment receipt at the time of cooperative payment, and FIG. 14 (B) is a transaction establishment receipt at the time of cancellation of cooperative withdrawal. As shown in FIG. 14 (A) and FIG. 14 (B), the transaction completion receipt describes the designated amount and the linked serial number.

  After the transaction receipt receipt is output, the teller machine 2 stores the cash stored in the temporary storage unit in the cash cassette (S94).

  When cash is stored in the teller machine 2, it is determined whether or not there is a change. If there is no change, the process proceeds to S33. On the other hand, if there is a change, the process proceeds to S31 to perform a process of paying out the change.

  When there is a change, the coin processing machine 100 and the banknote processing machine 200 pay out the cash amount of the change and the amount of cash from the cash cassette (S33). Then, when all the changes are returned, the linked payment ends (S34). At this time, the discrimination unit counts the number of denominations and the amount of cash to be withdrawn, and the count result is notified to the main control unit 108.

  The main control unit 108 checks whether or not a payment jam has occurred in the coin processing machine 100 and the banknote processing machine 200 (S31). And when payment jam arises with the coin processing machine 100 and the banknote processing machine 200, it carries out similarly to 1st Embodiment, and outputs a manual payment receipt.

(E-2-2) Coordinated Withdrawal or Coordinated Deposit Cancellation The overall flow of coordinated withdrawal or coordinated deposit cancellation is the same as or corresponds to FIG. 7 according to the first embodiment. Therefore, description of the overall flow of linked withdrawal or linked deposit cancellation is omitted here.

  FIG. 15 is a flowchart showing the operation of the cashier 2 in the case of linked withdrawal or linked deposit cancellation. In FIG. 15, processes that are the same as or correspond to the processes shown in FIG. 8 are assigned the same numbers as the numbers shown in FIG. 8.

  In the teller machine 2, a menu selection screen is displayed on the display unit 104 (S51). Linked withdrawal or linked deposit cancellation is selected by an operator operation.

  When the serial number and specified amount (transaction amount) obtained at the window terminal 3 are input (S101), the main control unit 108 uses the input serial number and specified amount from the withdrawal queue of the transaction DB 4 based on the transaction DB 4. The designated amount corresponding to the serial number is inquired (S102). The display unit 104 displays the inquiry result and the designated amount.

  The main control unit 108 designates the denomination according to the designated amount by the operator operation (S54), and the operator presses the confirmation button (completion key) (S103). When the confirm button is pressed in the cashier 2, the main control unit 108 updates the withdrawal queue registered in the withdrawal queue of the transaction DB 4 as processed (S104).

  Thereafter, the main control unit 108 outputs a transaction completion receipt on which the transaction details are printed from the slip recording unit 106 (S105).

  FIG. 16 is a configuration diagram illustrating a configuration example of a transaction completion receipt output by the teller machine 2 in the fifth embodiment. FIG. 16A shows a transaction completion receipt at the time of cooperative withdrawal, and FIG. 16B shows a transaction establishment receipt at the time of cooperative deposit cancellation. As shown in FIG. 16 (A) and FIG. 16 (B), the transaction completion receipt describes the designated amount and the linked serial number.

  Further, the main control unit 108 instructs the coin processing machine 100 and the banknote processing machine 200 to withdraw a specified number of denominations, and the coin processing machine 100 and the banknote processing machine 200 have the specified amount of denominations. Is paid out from the storage cassette and paid out (S106). At this time, the discrimination unit counts the number of denominations and the amount of cash to be withdrawn, and the count result is notified to the main control unit 108.

  The main control unit 108 checks whether or not a payment jam has occurred in the coin processing machine 100 and the banknote processing machine 200 (S59). And when payment jam arises with the coin processing machine 100 and the banknote processing machine 200, a process transfers to S61. On the other hand, when no payment jam occurs, the process proceeds to S60. Then, when a payment jam occurs in the coin processing machine 100 and the banknote processing machine 200, a manual payment receipt is output in the same manner as in the first embodiment (S60).

(E-3) Effect of Fifth Embodiment As described above, according to the fifth embodiment, the queue is updated before the payment operation is started by pressing the confirmation key on the keyboard, and the queue is updated successfully. As a result, the transaction can be completed regardless of whether or not a payment failure occurs even if the transaction is coordinated between the cash processing machine and the counter terminal. The time to wait can be shortened.

(F) 6th Embodiment Next, 6th Embodiment of the cash processing machine and cash processing system which concern on this invention is described in detail, referring drawings.

  6th Embodiment illustrates the case where this invention is applied to the teller machine of the financial institution which performs a non-cooperation transaction.

(F-1) Configuration of the Sixth Embodiment In the fifth embodiment, after cooperative transaction, after the operator presses the confirm button, the transaction is concluded before the teller machine 2 performs the payout process. Illustrated.

  In the sixth embodiment, even in the case of a non-cooperative transaction, as in the fifth embodiment, after the operator presses the confirmation button, the transaction is completed before the cashier 2 performs the payout process. .

  The external configuration and internal configuration of the teller machine according to the sixth embodiment include the same or corresponding components as the external configuration shown in FIG. 4 and the internal configuration shown in FIG. 1 according to the first embodiment. Therefore, the sixth embodiment will be described with reference to FIGS. 1 and 4, and the same constituent elements will be described with the same numbers as those shown in FIGS. 1 and 4.

  When performing a cooperative transaction, the main control unit 108 of the teller machine 2 establishes a transaction after the operator presses the confirmation button and before the payout process of the teller machine 2 starts.

(F-2) Operation of the Sixth Embodiment FIG. 17 is a flowchart showing the operation of the teller machine 2 that performs the non-cooperative transaction according to the sixth embodiment. In FIG. 17, processes that are the same as or correspond to the processes shown in FIG. 10 are given the same numbers as the numbers shown in FIG. 10.

  In the teller machine 2, a menu selection screen for selecting a transaction type is displayed on the display unit 104 (S70). Further, the payment amount (transaction amount) is input by the operator operation (S71), and the designated amount is displayed on the display unit 104. Then, the denomination designation according to the payment amount is performed by the operator's operation (S72).

  If the transaction contents are correct, the operator presses a confirmation button (completion key) that is a hard key of the operation unit 104 (S110). When the confirmation button is pressed by the operator, the main control unit 108 outputs a transaction completion receipt on which transaction details are printed from the slip recording unit 106 (S110).

  FIG.18 and FIG.19 is a block diagram which shows the structural example of the transaction completion receipt which the teller machine 2 outputs in 5th Embodiment. 18A is a transaction completion receipt at the time of deposit, FIG. 18B is a transaction completion receipt at the time of withdrawal, and FIG. 18C is a transaction completion receipt at the time of exchange. is there. FIG. 19A is a transaction establishment receipt when depositing with change, and FIG. 19B is a transaction settlement receipt when depositing according to receipt / change change. Note that “acceptance / carry-back” refers to a task of recording the amount of money that has not been returned to the operator as payment. As shown in FIGS. 18 (A) to 18 (C), 19 (A), and 19 (B), the transaction completion receipt describes the designated amount and the linked serial number.

  Thereafter, the main control unit 108 instructs the coin processing machine 100 and the banknote processing machine 200 to withdraw the number of denominations of the payment amount, and the coin processing machine 100 and the banknote processing machine 200 specify the number of denominations of the specified amount. Is paid out from the storage cassette (S75).

  The main control unit 108 confirms whether or not a payment jam has occurred in the coin processing machine 100 and the banknote processing machine 200 (S76). When a payment jam occurs, the main control unit 108 performs the same as in the second embodiment. The process proceeds to S77. On the other hand, when no payment jam occurs, the process proceeds to S78.

(F-3) Effect of Sixth Embodiment As described above, according to the sixth embodiment, even in the case of non-cooperation, a transaction can be established when the confirmation key on the keyboard is pressed.

  In addition, since the sixth embodiment can unify operator operations not only in the case of the cooperative transaction of the fifth embodiment but also in the case of a non-cooperative transaction, it is easy for the operator to understand the meaning of the transaction establishment. Since operator errors can be reduced, miscalculation can be prevented.

(G) Other Embodiments In the above-described embodiments, various modified embodiments have been mentioned. However, the present invention can be widely applied to the following modified embodiments.

  (G-1) In each of the above embodiments, the case where the present invention is applied to a teller machine for a financial institution has been exemplified. However, the present invention is not limited to a banking machine of a financial institution, and can be applied to a commercial facility such as a large supermarket or a department store, a cash management machine for retail distribution, and the like.

  (G-2) For example, when the present invention is applied to a cash management machine for retail distribution, the cash management machine and the upper terminal are linked to each other and the upper terminal when taking out the change reserve to each store. It can also be applied to a mechanism for performing transactions (payments) for the amount specified in.

  (G-3) Also, for example, when the present invention is applied to a cash management machine for retail distribution, when there is a payment failure when the cash management machine pays out cash, cash that cannot be paid out as operation priority If the user is operating in such a way as to allocate the money from the safe, after printing and paying out with a manual payment agent, the machine payment is performed again as described in the fourth embodiment. You can keep the balance of the safe.

  (G-4) Further, for example, when the cash processing apparatus according to the present invention pays the change reserve by manual payment, the cash payment can be managed as the change reserve. This modified embodiment will be described below. By managing manual payments as change reserves as follows, users who are operating to collect sales proceeds can be stored correctly, and sales are collected with priority. be able to.

  For example, when the cash processing apparatus pays the change reserve, if the designated amount cannot be paid out, the main control unit prints the machine payment / hand payment on the receipt.

  When the change reserve and sales are brought home, the main control unit sets the sales to be stored = stored amount− (machine payment + payment), and stores the sales in the sales collection box. Here, the amount of storage is the sum of change reserve and sales.

  If only the amount that can be paid out by the cash processing machine (only the amount paid by the machine) is managed as a change reserve, as in the past, “sales money = storage amount−machine payment”. Therefore, if the cash processor cannot pay out some cash, the remaining amount may be taken out from a location that is not managed by the cash management machine such as a safe.

However, since the cash management machine according to the present invention is a mechanism that manages only the amount counted and paid out by the machine as change, for example, in the following cases, the sales proceeds cannot be correctly stored in the sales collection box End up. Here, a specific example will be described.
(A) When paying normally “Supply reserve: 5,000 yen”. The customer purchases a product of 5,000 yen and the customer pays 10,000 yen. At this time, 5,000 yen is returned to the customer as change. The cash processing machine stores 10,000 yen, and stores the change reserve taken out: 5,000 yen. Therefore, the change is returned to the customer as 5,000 yen and the sales amount is 5,000 yen.
(B) In the case where a part of the payment was not made Suppose that the cash processor paid out change reserve of 3,000 yen, but could not pay out 2,000 yen. At this time, take the remaining 5,000 yen out of the safe. Assume that a customer purchases a product of 5,000 yen and the customer pays 10,000 yen. At this time, 10,000 yen is received from the customer, and 5,000 yen of change reserve (3,000 yen for cash management machine and 2,000 yen for safe) is paid to the customer. When 10,000 yen is inserted into the cash management machine, the cash management machine stores the amount of change taken out from the machine, so it totals 3,000 yen for change return and 7,000 yen for sales.

  In the case of (b) above, if the cash processor manages “cash take-out 3,000 yen” and “payment 2,000 yen”, “sales money = input amount−payments” The total amount can be calculated as 5,000 yen, and the correct sales amount can be transferred to the sales collection box.

  The sales collection store may be managed by the store where the machine is installed. However, if the sales are managed by another company, the other company collects the sales at a fixed time. A mechanism may be required depending on the operation. With the above mechanism, even if the change is paid out manually (changes that could not be paid out are allocated from the safe), the sales can be recovered with priority.

  (G-5) The teller machine which concerns on each embodiment mentioned above illustrated the case provided with the internal structure shown in FIG. 1 which concerns on 1st Embodiment. However, the internal configuration of the teller machine is not limited to that shown in FIG. For example, as illustrated in FIG. 20, the coin processing machine of the depositing / dispensing machine replaces the coin deposit safe and stores a coin payment box 119 for storing the coins for withdrawal for each denomination, and the received coins for the denomination. You may provide the coin storage 118 stored for every.

  DESCRIPTION OF SYMBOLS 1 ... Cash processing system, 2 ... Teller machine, 3 ... Window terminal, 4 ... Transaction DB, 108 ... Main control part, 100 ... Coin processing machine, 200 ... Banknote processing machine, 103 ... Display part, 104 ... Operation part, 106 ... slip recording section, 107 ... storage section, 109 ... communication section.

Claims (9)

A cash processing unit that performs management processing of the cash that has been input or paid out;
A control unit that outputs payout shortage information about cash that is insufficient with respect to the cash to be paid out when all or part of the cash to be paid out from the cash processing unit cannot be paid out ;
An operation unit;
A display unit ,
The control unit establishes the transaction before the payout process by the cash processing unit when the confirmation key in the operation unit is pressed with respect to the transaction content displayed on the display unit. Cash processing device. The control unit establishes the transaction when the confirmation key is pressed before the payout processing by the cash processing unit, and outputs a record slip printed with the transaction content. Item 2. A cash processing apparatus according to Item 1 . The controller may, and amount to pay out cash processing apparatus according to the difference between actually paid out amount from the cash processing unit to claim 1 or 2, characterized in that included in the payout missing information. The control unit outputs a record slip printed with the payout shortage information,
The record slip includes at least a designated amount of a withdrawal amount, a non-payable amount that is a difference between the designated amount and an amount actually paid out from the cash processing unit, and a serial number information of the transaction. The cash processing apparatus according to claim 3 . A cash processing unit that performs management processing of the cash that has been input or paid out;
A control unit that outputs payout shortage information about cash that is insufficient with respect to the cash to be paid out when all or part of the cash to be paid out from the cash processing unit cannot be paid out;
With
The control unit is
At least to manage the machine balance stored in the cash processing device,
When a predetermined accumulation processing, the output number and the amount of the payout missing information that occurred from the previous tabulation process up to the present time, cash processing apparatus you and outputs as an aggregate result. A cash processing unit that performs management processing of the cash that has been input or paid out;
A control unit that outputs payout shortage information about cash that is insufficient with respect to the cash to be paid out when all or part of the cash to be paid out from the cash processing unit cannot be paid out;
With
The control unit is
It manages the amount of money in the machine and the amount of money on hand in the cash processing device,
At the time of a predetermined counting process, based on the above-mentioned payout shortage information, the payable amount that is the difference between the designated amount and the amount actually paid out from the cash processing unit is subtracted from the machine stock , and the payout the offs you characterized in that added to the hand inventory amount cash processing apparatus. A cash processing system that includes a transaction management unit that assigns serial number information to transaction information acquired from each connected cash processing device or terminal, and performs predetermined cash processing in cooperation with the cash processing device or the terminal. In
The said cash processing apparatus is a cash processing apparatus in any one of Claims 1-6 . The cash processing system characterized by the above-mentioned. The cash processing apparatus gives the input payment information to the transaction management unit, acquires the payment information and the serial number information from the transaction management unit,
The terminal terminates the process of linked payment or linked withdrawal cancellation using the deposit information and the serial number information obtained by the cash processing apparatus,
When the cash processing device is triggered by pressing the confirmation key in the operation unit of the cash processing device, before the payout processing by the cash processing unit of the cash processing device, the transaction information is registered in the transaction management unit, The cash processing system according to claim 7 , wherein a transaction is established. The terminal gives the input withdrawal information to the transaction management unit, acquires the withdrawal information and the serial number information from the transaction management unit,
The cash processing apparatus terminates the process of linked withdrawal or linked deposit cancellation using the withdrawal information and the serial number information obtained at the terminal,
When the cash processing device is triggered by pressing the confirmation key in the operation unit of the cash processing device, before the payout processing by the cash processing unit of the cash processing device, the transaction information is registered in the transaction management unit, The cash processing system according to claim 7 , wherein a transaction is established.

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