KR101780873B1 - Financial device - Google Patents

Abstract

According to one aspect of the present invention, there is provided a financial instrument comprising: a media input / output unit for inputting or ejecting a medium; A discrimination unit that can discriminate a medium input into the medium input / output unit or a medium to be emitted to the medium input / output unit; A temporary storage unit for temporarily storing the media input from the media input / output unit; A media storage unit for storing a medium to be ejected to the media input / output unit and a media input to the media input / output unit; A recovering unit for recovering a medium judged to be a reject medium in the medium passing through the discriminating unit; And an additional function module for storing the reject medium when the reject medium can no longer be stored in the collecting unit in the course of the transaction.

Description

Financial device

The present invention relates to a financial instrument.

Generally, a financial instrument is a device that processes a financial business desired by a customer. The financial instrument can deposit and withdraw the medium or automatically transfer the medium. For example, the financial instrument may deposit or withdraw bills and checks. The financial instrument may include a medium processing apparatus for depositing or withdrawing a medium or the like.

Japanese Unexamined Patent Application Publication No. 10-134227 (published on May 22, 1998) discloses a system in which the operation of the apparatus is not stopped during operation, and the money that can check whether the cash inventory in the apparatus is correct before or after the overflow recovery or replenishment A processing device is disclosed.

In the case of the money handling apparatus disclosed in the prior art, the money handling apparatus includes a money storage unit for storing money at the time of deposit and paying the money at the time of withdrawal, and an overflow unit for storing the excess money when the money storage unit is full.

In the case of the prior art, the overflow storage unit can store the currency when the currency can no longer be stored in the money storage unit as normal currency. However, since the denied currency can not be stored in the deposit transaction or the withdrawal transaction process, There is a problem that the transaction is aborted when the reject currency exists.

Even if a deposit box for storing rejected money is separately installed in the prior art, there is a problem that the transaction is stopped when the depository is full.

It is an object of the present invention to provide a financial instrument in which a transaction can be continued even if the medium is filled in a collection module for storing a medium in the medium storage module or for collecting rejected bills.

According to one aspect of the present invention, there is provided a financial instrument comprising: a media input / output unit for inputting or ejecting a medium; A discrimination unit for discriminating a medium input into the medium input / output unit or a medium to be emitted to the medium input / output unit; A temporary storage unit for temporarily storing the media input from the media input / output unit; A media storage unit for storing a medium to be ejected to the media input / output unit and a media input to the media input / output unit; A recovering unit for recovering a medium judged to be a reject medium in the medium passing through the discriminating unit; And an additional function module for storing the reject medium when the reject medium can no longer be stored in the collecting unit in the course of the transaction.

According to the proposed invention, when the medium is full in one or more storage boxes, the medium can be stored in the additional function module, and when the reject medium is filled with the reject medium, the medium is stored in the additional function module, Of the market.

In addition, even when a reject medium exists in the additional function module, the normal medium of the additional function module can be supplemented to the medium storage part as the reject medium is transferred to the recovery part or the temporary storage part in the process of supplementing the medium with the medium storage part .

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic view of a financial instrument according to an embodiment of the present invention. FIG.
FIG. 2 is a view showing a first deposit process of the financial instrument of FIG. 1; FIG.
FIG. 3 is a diagram showing a second deposit process of the financial instrument of FIG. 1; FIG.
FIG. 4 is a view showing the withdrawal process of the financial instrument of FIG. 1;
FIG. 5 is a diagram showing a process of supplementing a medium in the financial instrument of FIG. 1; FIG.
6 is a view showing a process in which a reject medium stored in the temporary storage unit is transferred.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals whenever possible, even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

A financial device according to an embodiment of the present invention may be a financial device that obtains various media such as banknotes, securities (including checks), giro, coins, gift certificates, etc. and processes and / or withdraws such as deposits, Such as processing such as issuance of paper money, release of paper money, release of gift certificate, and the like. Examples of such financial instruments include an automated teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be various devices for automating the financial business such as FIS (Financial Information System).

Hereinafter, an embodiment of the present invention will be described on the assumption that the financial instrument is a financial automatic instrument. However, this assumption is only for convenience of explanation, and the technical idea of the present invention is not limited to the financial automation equipment.

1 is a schematic view of a financial instrument according to an embodiment of the present invention.

1, the financial instrument 10 according to the present embodiment may include a medium processing apparatus 11 for processing a medium and a controller 70 for controlling the medium processing apparatus 11 have.

The medium processing apparatus 11 transports the medium, stores the medium, or emits the medium in order to carry out the functions of the deposit transaction, the withdrawal transaction, the medium replenishment, and the medium recovery.

The media processing apparatus 11 may include a media input / output unit 13 for inputting and outputting a medium.

The media input / output unit 13 includes a storage space accessible by a customer, and the storage space may be opened and closed by a closure member such as a shutter and / or a cover, And can be kept open.

Depending on the type of the financial instrument 10, the banknote 10 may further include a bankbook input / output unit (not shown) for inputting and outputting a bankbook and a card input / output unit (not shown) for inputting and outputting the card. In the present invention, the passbook entry / exit unit (not shown) or the card entry / exit unit (not shown) may be referred to as a customer information obtaining unit for obtaining customer information. In the present invention, there is no limitation on the type of the customer information acquiring unit, and it is also possible to acquire the information recorded in the RFID tag or the USB, or acquire customer information using a fingerprint or the like.

The financial device 10 may further include a user interface unit 80 for displaying menus and information for depositing or withdrawing money, and for inputting or selecting commands or information for deposit or withdrawal.

The media processing apparatus 11 may further include a determination unit 20 for determining the state of the medium. For example, the distinguishing unit 20 can identify the denomination, the thickness, the amount, and the number of the medium, or identify the defective medium or the fake medium.

The media processing apparatus 11 may further include a temporary storage unit 30 for temporarily storing the medium. The temporary storage unit 30 may temporarily store the media input to the media input / output unit 13 during the deposit transaction.

The medium stored in the temporary storage unit 30 may be transferred to the media storage unit 40 or returned to the media input / output unit 13 in a deposit transaction process.

In addition, the temporary storage unit 30 may temporarily store a reject medium that can not be stored in the collection unit 50, which will be described later, in the medium replenishment process.

The media processing apparatus 11 may further include a media storage unit 40 for storing media. The media storage 40 may include, but is not limited to, first to fourth storage units 41 to 44.

Bills may be stored in some of the first to fourth storage boxes 41 to 44, and a check may be stored in the other. In the present specification, it is to be noted that there is no limitation on the number of storage boxes in which bills are stored, the number of storage boxes in which checks are stored, and the total number of storage boxes.

As another example, it is also possible that the first to fourth storage boxes 41 to 44 store only banknotes or only checks. Alternatively, the media storage unit 40 may further include a storage box for storing gift certificates, securities, tickets, and the like. Alternatively, it is possible to store gift certificates, securities, tickets,

Each of the storage boxes 41, 42, 43, and 44 may be implemented as a cassette, a box, or a bin.

In this specification, the process of transferring the medium input to the media input / output unit 13 to the temporary storage unit 30 during the deposit transaction process may be referred to as a primary deposit process, A process in which a medium temporarily stored in the media storage unit 40 is transferred to and stored in the media storage unit 40 may be referred to as a secondary payment process.

The media processing apparatus 11 may further include a recovery unit 50.

For example, in the recovery unit 50, a medium that has been discharged to a customer through the medium I / O unit 13 but has been tried by the customer, a medium determined to be a defective medium by the discrimination unit 20, Lt; / RTI > medium can be recovered.

The medium processing apparatus 11 is provided with a supplement / return function for replenishing the medium with the medium storage unit 40 or for recovering the medium from the medium storage unit 40, or a quantity of the medium stored in the medium storage unit 40 And an additional function module 60 for performing an additional function including a settlement function for precisely confirming. For example, one or more of the medium to be supplemented to the medium storage unit 40 and the medium recovered from the medium storage unit 40 may be stored in the additional function module 60.

In addition, a reject medium that can not be stored in the collection unit 50 may be stored in the additional function module 60.

In the present invention, each of the modules (the media input / output unit, the discriminating unit, the media storage unit, the temporary storage unit, the collecting unit, etc.) constituting the financial apparatus can be connected by a plurality of transfer paths.

The controller 70 not only controls the media transport in the media processing apparatus 11 but also stores and manages the media storage information of the media past the discrimination unit 20. [ The media storage information may include, but is not limited to, a storage location of the medium, a denomination of the medium, a number, and the like.

The controller 70 may include a memory for storing media storage information of the media past the discriminator 20.

Hereinafter, the operation of the financial apparatus according to the present embodiment will be described.

FIG. 2 is a view showing a first depositing process of the financial equipment of FIG. 1, and FIG. 3 is a view showing a second depositing process of the financial equipment of FIG.

2 and 3, a medium may be inserted into the media storage space of the media input / output unit 13 for a deposit transaction.

The media loaded into the media storage space may be separated one by one by a media separation device. The separated media are transferred to the discriminating unit 20.

The distinguishing unit 20 can determine whether the denomination of the medium and the medium are normal media.

The medium determined as a normal medium by the discerning unit 20 may be transferred to the temporary storage unit 30. [ On the other hand, a medium determined to be a defective medium by the discerning unit 20 or a medium not recognized by the discerning unit 20 may be returned to the media input / output unit 13.

When the first dispensing process is completed, the information on the medium (for example, one or more of the amount, the denomination, the number of copies, etc.) stored in the temporary storage unit 30 after the discrimination is completed is displayed on the user interface 80 .

A deposit confirmation command or a deposit cancellation command for the medium integrated in the temporary accumulation unit 30 may be input through the user interface 80. [

When the deposit cancel command is input through the user interface 80, the medium stored in the temporary storage unit 30 is returned to the medium input / output unit 13.

On the other hand, when a deposit confirmation command is inputted through the user interface 80, the medium stored in the temporary storage unit 30 passes through the discrimination unit 20 again.

The medium judged to be normal medium among the past media by the judging unit 20 can be transferred to the medium storage unit 40. On the other hand, the reject medium judged to be inappropriate for storing the discrimination unit 20 in the medium storage unit 40 of the last medium can be transferred to the recovery unit 70.

For example, when the number of media stored in some of the plurality of storage units 42 and 44 constituting the media storage unit 40 is equal to or greater than the reference number, I can not keep it. In this specification, a state in which the medium can no longer be stored can be defined as a state in which the medium is full.

Hereinafter, it will be assumed that the two storage boxes are full and the two storage boxes are filled with the medium. In the following description, .

If the type of the medium that has been drawn out of the temporary accumulation unit 30 and passed through the discrimination unit 20 is not the first or second type, the medium may be transported to the medium storage unit 40 and stored have.

On the other hand, in the case where the type of the medium that has been drawn out from the temporary accumulation unit 30 and passed through the discrimination unit 20 is the first or second denomination, the medium can not be stored in the storage box corresponding to the denomination, And the media of the second class or the second class can be transported to the additional function module 60 and stored.

Thus, according to the present embodiment, there is an advantage that the medium can be continuously traded as the medium is filled in the add-on module when one or more storages are filled with the medium. In other words, financial transactions can be carried out and completed even if it is judged that the medium is full in one or more storage boxes before the financial transaction, or that the medium is full in one or more storage boxes in the course of financial transactions, You can wait for a transaction.

On the other hand, in the second dispensing process as described above, the reject medium can be transferred to the recovery unit 50. [ If the number of reject media stored in the collection unit 50 is equal to or greater than the reference number and the reject medium can no longer be stored, the reject medium may be transferred to the additional function module 60 for storage have. At this time, the controller 70 can recognize and store the storage location, category, and number of the medium transferred to the additional function module 60.

According to this embodiment, there is an advantage that the medium can be continuously traded as the reject medium is filled in the additional function module 60 when the reject unit 50 is full.

On the other hand, if more than one storage box is full after the deposit transaction is completed, some of the media in the storage container full of media may be recovered to the additional function module 60. Also in this case, the controller 70 can recognize and store the storage position, the category number, and the number of the medium that is collected by the additional function module 60.

FIG. 4 is a view showing the withdrawal process of the financial instrument of FIG. 1;

Referring to FIG. 4, when a withdrawal instruction of a medium is inputted through the user interface 80, a medium of the denomination and the number of copies corresponding to the received withdrawal amount is fetched from the medium storage unit 40. FIG. The medium drawn out from the medium storage unit 40 passes through the discrimination unit 20. [

A medium determined as a normal medium among the media passing through the distinguishing unit 20 is transferred to the medium input / output unit 13.

On the other hand, the medium (reject medium) which is judged to be a defective medium in the medium past the discrimination unit 20 or is not recognized in the discrimination unit 20 may be transferred to the collection unit 50.

Here, when the collection unit 50 becomes full and the reject medium can not be stored any more, the reject medium is transferred to the additional function module 60. [ The controller 70 can recognize and store the storage position, denomination, and number of the reject medium to be transferred to the additional function module 60.

2 and 3, the rejection medium can be stored together with the normal medium in the additional function module 60. The denomination and position of the medium (the order of integration between media) The controller 70 can recognize and store it.

5 is a diagram showing a process of supplementing a medium in the financial instrument of FIG.

5, when a media supplement command is received through a user interface (UI) or a user interface 80 (not shown), a medium stored in the additional function module 60 is extracted from the additional function module 60 .

Alternatively, in the case where the number of media stored in one or more storage boxes capable of storing the same denomination as the denomination of the medium stored in the additional function module 60 is less than the replenishment reference number, A supplementation process can be performed.

Here, since the deposit transaction or the withdrawal transaction can not be performed while the supplementation process is performed, it is preferable that the supplementary reference number is less than half of the maximum number of sheets that can be stored in each storage box so that the supplementation process is prevented from being performed frequently.

The medium drawn out from the additional function module 60 passes through the discrimination unit 20. At this time, the medium extracted from the additional function module 60 may be a medium determined to be a normal medium or a medium determined to be a reject medium.

In the case where the medium extracted from the additional function module 60 is determined as a normal medium by the discrimination unit 20, the medium may be transferred to and stored in a storage unit requiring supplementation.

On the other hand, if the reject medium withdrawn from the additional function module 60 is judged to be a reject medium by the discriminating unit 20, the reject medium can be transferred to the collecting unit 50.

In addition, if it is determined that the medium is a normal medium and is stored in the additional function module 60 but is determined to be a reject medium by passing again to the discrimination unit 20 in the supplement process, the medium is transferred to the collection unit 50 .

The refill process may be discontinued if all of the boxes are in full condition. Alternatively, the supplementary process may be stopped when one or more storage boxes become full, and the denomination of the medium stored in the additional function module 60 and the denomination stored in the storage that needs to be supplemented do not match.

Meanwhile, if the recovery unit 50 is full, it is determined that the recovery medium 50 is a reject medium drawn out from the additional function module 60 or a normal medium and stored in the additional function module 60, The medium judged to be a reject medium may be stored in the temporary storage unit 30 after passing through the discriminating unit 20 again.

When the reject medium withdrawn from the additional function module 60 is judged to be a normal medium by passing through the discrimination unit 20 again and the medium storage unit 40 is in a state in which the medium can be stored Is not full) may be transferred to the media storage unit 40.

6 is a view showing a process of transporting a reject medium stored in the temporary storage unit.

Referring to FIG. 6, the reject medium stored in the temporary storage unit 30 in the supplementing process may be taken out of the temporary storage unit 30 and passed through the discriminating unit 20 when the supplementing process is completed .

When the reject medium withdrawn from the temporary storage unit 30 is judged to be a normal medium by passing again through the discrimination unit 20 and the medium storage unit 40 is capable of storing the medium (Not filled in the storage box) can be transferred to the media storage unit 40.

On the other hand, if the reject medium withdrawn from the temporary storage unit 30 can not be stored in the medium storage unit 40 after the discrimination unit 20 has passed (when the medium is full) And can be transferred to the additional function module 60.

The controller 70 can recognize and store media storage information of a reject medium that is retrieved from the temporary storage unit 30 and transferred to the additional function module 60.

On the other hand, the information of the medium stored in the additional function module 60 can be used as follows.

First, the media may be fetched from the additional function module 60 in an order reverse to the order in which the medium is inserted into the additional function module 60. [

The controller 70 can recognize the storage locations of the normal medium and the reject medium in the medium stored in the additional function module 60 according to the medium storage information in the additional function module 60. [ When the medium is pulled out from the additional function module 60, the controller 70 can know whether the medium to be pulled out is a normal medium or a reject medium, and also know the type and number of the medium to be pulled out have.

The controller 70 checks the number of withdrawals of the medium detected by the sensor of the additional function module 60 and matches the number of withdrawals with the medium storage information of the medium stored in the additional function module 60 that has been stored in advance And manages the information of the medium.

As described above, when the supplementary process is completed, the medium stored in the temporary storage unit 30 is taken out of the temporary storage unit 30 and transferred to the additional function module 60. [

If the medium can not be stored in the temporary storage section 30 in the replenishing process, it is possible to stop the replenishment and fetch the medium stored in the temporary storage section 30 and transfer it to the additional function module 60 have.

The medium drawn out from the temporary storage unit 30 may pass through the discriminating unit 20. [ When the normal medium stored in the temporary storage unit 30 is extracted from the temporary storage unit 30 and then passed through the discrimination unit 20 and determined to be a reject medium, ), But can manage the previously recognized information as media storage information.

According to the present embodiment, since the reject medium stored in the additional function module can be supplemented with the normal medium while being stored in the recovery unit or the temporary storage unit, even if the reject medium as well as the normal medium are stored in the additional function module There is an advantage that a medium can be supplemented to the medium storage portion.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: Financial equipment 11: Media processing device
13: Media input / output unit 20:
30: temporary storage section 40: media storage section
50: recovery unit 60: additional function module

Claims (10)

A media input / output unit for inputting or ejecting a medium;
A discrimination unit for discriminating a medium input into the medium input / output unit or a medium to be emitted to the medium input / output unit;
A temporary storage unit for temporarily storing the media input from the media input / output unit;
A media storage unit for storing a medium to be ejected to the media input / output unit and a media input to the media input / output unit;
A recovering unit for recovering a medium judged to be a reject medium in the medium passing through the discriminating unit; And
And an additional function module for storing the reject medium and the medium when the reject medium is full in the transaction process or the medium is full in the medium storing section,
Wherein the additional function module fetches a medium stored in the additional function module and inputs the extracted medium to the discrimination unit when a supplement process for supplementing the medium is performed. The method according to claim 1,
Wherein the media storage comprises one or more storage,
If it is determined that the medium is normal media by the identification unit but the number of media stored in the one or more storage units is not more than the reference number and can not be stored in the one or more storage units, Financial instruments. 3. The method of claim 2,
And a controller for recognizing and storing the storage position, the category and the number of each of the medium judged to be the normal medium and the medium judged to be the reject medium stored in the additional function module. The method according to claim 1,
In the supplementary process, a medium which is fetched from the additional function module and judged as a normal medium from the medium passing through the discrimination unit is transferred to the medium storage unit, and the medium determined as a reject medium is transferred to the collection unit. 5. The method of claim 4,
Wherein the medium determined as a reject medium is conveyed to the temporary storage unit when the medium determined as a reject medium by the discriminating unit can not be stored in the collecting unit in the replenishing process. 6. The method of claim 5,
Wherein when the medium stored in the temporary storage unit is not stored in the medium storage unit after the supplementation process is completed, the medium is transferred to the additional function module. 6. The method of claim 5,
Wherein when the medium withdrawn from the temporary storage section is judged to be a normal medium in the discriminating section as a result of passing through the discriminating section and the medium past the discriminating section can be stored in the medium storing section, 5. The method of claim 4,
Wherein the medium is stored in the additional function module when it is determined that the medium is a reject medium and the medium determined as a normal medium after passing through the discrimination unit in the supplementing step is stored in the medium storage unit. 5. The method of claim 4,
Wherein the supplementary process can be performed when the number of media stored in one or more storage boxes capable of storing the same denomination as the denomination of the medium stored in the additional function module is less than the supplementary reference number. 5. The method of claim 4,
The supplementary process may be performed when all the storage units constituting the media storage unit are full,
Wherein one or more storage boxes become full, and stopping when the denomination of the medium stored in the additional function module and the denomination stored in the storage that needs to be supplemented do not match.

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