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WO2018209649A1 - 金融自助设备及清机、加钞、补钞方法 - Google Patents

金融自助设备及清机、加钞、补钞方法 Download PDF

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Publication number
WO2018209649A1
WO2018209649A1 PCT/CN2017/084901 CN2017084901W WO2018209649A1 WO 2018209649 A1 WO2018209649 A1 WO 2018209649A1 CN 2017084901 W CN2017084901 W CN 2017084901W WO 2018209649 A1 WO2018209649 A1 WO 2018209649A1
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WO
WIPO (PCT)
Prior art keywords
banknote
banknotes
circulating
detector
passage
Prior art date
Application number
PCT/CN2017/084901
Other languages
English (en)
French (fr)
Inventor
吕响红
李瑞峰
张武松
李传武
Original Assignee
深圳怡化电脑股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳怡化电脑股份有限公司 filed Critical 深圳怡化电脑股份有限公司
Priority to CN201780088095.9A priority Critical patent/CN110383350A/zh
Priority to PCT/CN2017/084901 priority patent/WO2018209649A1/zh
Publication of WO2018209649A1 publication Critical patent/WO2018209649A1/zh

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/50—Sorting or counting valuable papers
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/20—Controlling or monitoring the operation of devices; Data handling
    • G07D11/24—Managing the stock of valuable papers
    • G07D11/25—Relocation of valuable papers within devices

Definitions

  • the present disclosure relates to the field of financial equipment technology, for example, to a financial self-service device and a method for cleaning, adding money, and replenishing money.
  • Financial self-service equipment is an electronic device for self-service customers. It uses magnetic code cards or smart cards to realize self-service for financial transactions. Instead of the work of bank counter personnel, it has deposits, withdrawals, funds transfer between accounts, and check balances. And a function such as changing the password, is a new type of bank computer terminal.
  • Financial self-service devices such as automatic deposit and withdrawal machines, have gradually gained the attention of the market since their invention. At present, the ratio of automatic deposit and withdrawal machines to banking institutions has reached 4:1, and they can operate independently in densely populated communities, schools, plazas, etc. The place makes people's production and life more convenient.
  • This action is called adding money; when the number of banknotes in multiple recycling cassettes in the financial self-service device is not When it is time-averaged, it is necessary to evenly distribute the number of banknotes in the plurality of recirculating cassettes, and transfer the banknotes in the cassettes with a large number of banknotes to the recycling cassettes with a small amount of banknotes. This action is called replenishing the banknotes. .
  • the financial equipment in the related art does not have the functions of automatic clearing, banknotes, and banknote replenishment, and requires a large amount of time for the staff to count the banknotes or add money to the recirculating banknotes, and replenish the banknotes, resulting in heavy burden on the staff.
  • Manual counting or banknotes are less accurate and work inefficient.
  • banknotes are generally filled in the designated place of the bank (the center of the banknote), and brought to the site, and then the designated staff members are loaded into the financial self-service equipment to replace the original
  • financial systems are vulnerable to financial security breaches due to the inability of the banking system or the cash center to check the number of banknotes loaded into the equipment.
  • the present disclosure proposes a financial self-service device, which adds a clearing machine and a banknote cassette, and sets a circulation banknote passage, optimizes the banknote path inside the device, and can realize automatic clearing, banknote addition and banknote replenishment.
  • a financial self-service device comprising a cash box assembly, a circulating banknote passage, a passenger receiving portion, a control component and a money detector, the cash box component comprising a cleaning machine banknote cassette and a plurality of recycling cassettes, the cleaning machine plus The banknote cassette, the plurality of the circulating cassettes and the receiving portion are both in communication with the circulating banknote passage, the banknote detector is disposed on the circulating banknote passage, and the control component is configured to control the banknote Transfer path.
  • the circulating banknote passage includes an upper channel and a lower channel connected end to end, the banknote detector is disposed on the upper channel, and the cleaning banknote cassette and the plurality of the circulating banknotes are respectively Communicating with the lower channel.
  • the cassette unit further includes a recycling cassette connected to the circulating banknote passage, and the recycling cassette is used for storing the banknote determined by the banknote detector as abnormal banknote during the deposit operation or the withdrawal operation. .
  • the method further includes a temporary storage structure, wherein the temporary storage structure is in communication with the circulating banknote passage.
  • the customer receiving portion includes a money depositing port and a money collecting port, and the money depositing port and the money collecting port are both connected to the circulating banknote passage.
  • a plurality of the circulating cash boxes and a connecting point of the passenger portion and the circulating banknote passage are respectively provided with switching blades, and the switching blades are used for switching a transfer path of the banknotes, and the control Component connection.
  • the present disclosure proposes a method for cleaning a financial self-service device, which can realize automatic clearing, and the banknote path of the banknote is short, the time of cleaning is shortened, the processing efficiency is high, and the accuracy of the banknote counting point is high.
  • a method for cleaning a financial self-service device comprising:
  • the control component controls the banknotes in the first circulating cash box to enter the circulation banknote passage;
  • the circulating banknote channel conveys the banknote to the banknote detector for banknote verification, records the banknote information, and transmits the recorded banknote information to the control component;
  • S140 After all the banknotes in the first circulating cash box enter the clearing and cashing banknotes, the control component controls the banknotes in the clearing and cashing banknotes to be transported to the banknote counter by the circulating banknote channel for banknote checking Recording the banknote information and transmitting the recorded banknote information to the control component;
  • step S120 and step S140 include: the money detector records the denomination and the crown number of the identified banknotes, and respectively accumulates the number of normal banknotes and abnormal banknotes in the banknotes.
  • it also includes:
  • the control component compares the first quantity of the banknotes in the first recycle cassette with the banknotes of the banknote counter and the second quantity of the banknotes in the banknote counter and the banknotes of the banknote counter Count the results and feed back the results to the bank monitoring system.
  • the feeding back the inventory result to the bank monitoring system includes:
  • the inventory result and the identity information of the first circulating banknote are fed back to the bank monitoring system and a warning message is issued.
  • the result of the inventory is the same as the first quantity and the second quantity, the result of the counting and the identity of the first circulating cassette Information is fed back to the bank's monitoring system.
  • the method further includes: performing the above steps S110-S160 to count the banknotes in the other circulating banknotes, and feeding back the counting result of the other circulating banknotes.
  • the present disclosure proposes a method for adding money to a financial self-service device, which can automatically add money to a circulating cash box, and the banknote path of the banknote is short, shortening the time for adding money, high processing efficiency and high accuracy. .
  • a method for adding money to a financial self-service device comprising:
  • the control component controls the banknotes in the clearing machine and the cash register to enter the circulating banknote passage;
  • the billing channel transports the banknotes to the bill validator for banknote verification and records the information of the banknotes
  • the banknote recognized as a normal banknote by the banknote detector enters the recycling banknote by the circulating banknote passage; the banknote recognized by the banknote detector as the abnormal banknote is transferred to the recycling banknote by the circulating banknote channel.
  • the circulating banknote channel conveys the banknote to the banknote detector for banknote verification and records the banknote information, including: the banknote recorder records the denomination and the crown number of the identified banknote, and accumulates the banknote in the normal state. The number of banknotes and abnormal banknotes.
  • it also includes:
  • the banknote detector transmits the accumulated number of normal banknotes and abnormal banknotes to the control component, and the control component counts the sum of the normal banknotes, the number of abnormal banknotes, the number of normal banknotes and the number of abnormal banknotes, and the banknotes of the banknotes and banknotes.
  • the identity information is transmitted to the bank's monitoring system.
  • the present disclosure proposes a method for replenishing banknotes of financial self-service devices, which can realize automatic and even distribution of the number of banknotes in a plurality of recirculating cassettes, and the banknotes of the banknotes are short, shortening the time for replenishing banknotes, and processing efficiency High and accurate.
  • a method for replenishing money in a financial self-service device comprising:
  • control component After clearing the clearing machine and the cash register, the control component controls the banknotes to be transferred in the circulating banknote with a larger number of banknotes to enter the circulating banknote passage;
  • the circulating banknote channel transports the banknotes to the banknote detector for banknote verification and records the banknote information
  • the banknote recognized by the banknote detector is sent to the clearing machine and the banknote cassette by the circulating banknote channel;
  • control component controls the banknotes in the clearing and banknote cassette to be transported by the circulating banknote channel to the banknote detector for banknote verification and recording the banknote information;
  • the banknote recognized as a normal banknote by the banknote detector enters the circulating banknote box remotely designated by the bank system from the circulating banknote channel or directly enters the recycling banknote box with a small amount of banknotes; the paper recognized by the banknote detector as abnormal banknotes The banknotes are transferred from the recycling channel to the recycling cassette.
  • the present disclosure provides a financial self-service device and a method for cleaning, adding, and replenishing money.
  • the financial self-service device comprises a cash box component, a circulating banknote passage, a passenger receiving part and a control component, and the cash box component comprises a clearing machine banknote cassette and a plurality of circulating banknotes, the cleaning machine and the banknote box, and the plurality of
  • the circulating cash unit and the receiving portion are both connected to the circulating banknote passage, and the circulating banknote passage is provided with a banknote counter, and the control component is used for controlling the conveying path of the banknote.
  • the banknote path inside the device is optimized, and the control component can be used to control the path of clearing the banknote cassette and the banknote, thereby realizing automatic cleaning, Adding banknotes and replenishing banknotes improves the accuracy and efficiency of cleaning, banknotes and banknotes, effectively reducing the burden on staff and improving the practical functions of financial self-service devices.
  • the banking system can automatically record information such as the number of banknotes or crowns and the number of banknotes, which can enhance the financial security of banks.
  • FIG. 1 is a schematic structural diagram of a financial self-service device provided in Embodiment 1;
  • FIG. 2 is a schematic view showing the working state of the switching blade provided in Embodiment 1;
  • FIG. 3 is a schematic diagram of a banknote path of a financial self-service device provided in Embodiment 1 when a banknote enters a temporary storage box during a deposit transaction;
  • FIG. 4 is a schematic diagram of a banknote path of a financial self-service device provided in Embodiment 1 when a banknote is entered into a recycle banknote by a temporary storage box during a deposit transaction;
  • FIG. 5 is a schematic diagram of a banknote path of a bill in a revolving banknote entering the recycling cassette in the financial self-service device provided in Embodiment 1;
  • Embodiment 6 is a flow chart of a cleaning method provided in Embodiment 2.
  • Figure 7 is a schematic view showing the banknote path of the banknotes in the recycling cassette in the cleaning method provided in the second embodiment
  • FIG. 8 is a schematic diagram of a banknote returning path of a banknote returning to the cash cassette in the cleaning and cash register in the cleaning method provided in the second embodiment;
  • Figure 9 is a flow chart of the method of adding money provided in Embodiment 3.
  • Figure 10 is a flow chart showing the method of replenishing money provided in Embodiment 4.
  • FIG. 11 is a schematic diagram showing a connection relationship between components of the financial self-service device provided in Embodiment 1.
  • the embodiment provides a financial self-service device, including a cash box assembly 3, a circulating banknote passage 2, a passenger receiving portion 1 and a control component.
  • the cash box assembly 3 includes a clearing machine and a cash box. 33 and a plurality of recirculating cassettes 31, a clearing and reclining cassette 33, a plurality of circulating cassettes 31 and a passenger part 1 are all connected with the circulating banknote passage 2, and the circulating banknote channel 2 is provided with a banknote detector 4 for controlling The component 7 (see FIG.
  • the pick-up unit 1 is a device for direct contact with the financial business by the customer.
  • the pick-up unit 1 includes a deposit-taking port 11 and a banknote-receiving port 12, and the banknote-keeping port 11 and the banknote-receiving port 12 are both connected to the circulating banknote passage 2, and the recycling banknote box 31 is A banknote can be stored in a cash box that can also be removed from it.
  • the cleaning and banknote cassette 33 can be controlled by the control unit 7 to realize automatic clearing, banknote and banknote replenishment, and the banknotes are cycled during the process of clearing, adding and replenishing banknotes.
  • the banknote detector 4 set on the banknote channel 2, the banknote detector 4 records information such as the denomination and the crown number of the identified banknotes, and accumulates the number of normal banknotes and abnormal banknotes in the banknotes respectively, thereby improving the clearing machine and the banknotes.
  • the banking system can automatically record and check the paper for clearing or banknotes.
  • the amount of banknotes, crown size and other information can strengthen the financial security of the bank; in addition, the transfer channel of the banknotes in the financial self-service device is set to the circulating banknote channel 2, which optimizes the equipment.
  • the banknote path of the department reduces the number of parts that the banknote passes through during the process of conveying inside the device, avoids repeatedly passing the same part, optimizes the banknote path, improves the processing efficiency, effectively reduces the burden on the staff, and reduces the channel.
  • the abnormal banknote may be recognized by the banknote detector when the deposit operation and the withdrawal operation are performed, and the banknote detector determines that the old banknote (for example, a defective banknote), the old banknote (the banknote of the non-current market circulation version) And banknotes that are output from the recycle cassette and that are not recognized by the bill validator due to reasons such as counterfeit bills, banknote tilt, etc.; the normal banknotes may include those that can be recognized by the bill validator and are suitable for sale on the market Circulating real money.
  • the banknote enters the money detector from the banknote deposit port and the banknote is rejected by the banknote detector for any particular reason, and the rejected banknote is returned by the circulation channel. Return to the withdrawal port and return it to the user.
  • the circulating banknote channel 2 includes an upper channel 21 and a lower channel 22 connected end to end.
  • the upper channel 21 and the lower channel 22 respectively connect other components in the financial self-service device to form a circulation path for the internal banknotes of the financial self-service device.
  • the financial self-service device in this embodiment includes an upper chassis and a lower chassis, and the upper chassis is provided with a passenger part 1 and a loop.
  • the banknote channel 2 the lower casing is provided with a cash box assembly 3, and the upper channel 21 of the circulating banknote passage 2 is connected with a banknote detector 4 and a customer receiving unit 1, and the banknote detector 4 is used for identifying the status of the banknotes used in the transaction process.
  • the pick-up part 1 includes the banknote-receiving port 12 and the banknote-paying port 11, the banknote-paying port 11 and the banknote-receiving port 12 are both on the circulation banknote 2
  • the passage 21 is connected; the lower passage 22 of the circulating banknote passage 2 is connected to the plurality of recirculating cassettes 31 of the cassette unit 3, and the plurality of recirculating cassettes 31 and the decrease cassette unit 33 are arranged side by side, so that the internal structure of the financial self-service device Compact, it helps to simplify the path of the banknote.
  • the cleaning machine and the banknote cassette 33 are mainly used when the financial self-service device performs the cleaning action, the banknote action, and the banknote action.
  • the machine can be used only for clearing, adding, and replenishing banknotes. It can also be used as an ordinary revolving banknote, but it must be used when performing the cleaning action and the banknote replenishment action. Ensure that the clearing machine and banknote cassette 33 is empty to ensure the accuracy of the cleaning result.
  • the banknotes in any one of the plurality of recycle cassettes 31 (for example, the first recycle cassette) in the cassette unit 3 are transported to the banknote clearing channel 2 and the banknote detector 4, and then transferred to the banknotes 4
  • the control component 7 records the number of banknotes passing through the banknote detector 4, the denomination, the crown number and the like, and when the banknotes in the first cycle banknote box all enter the clearing machine and the banknotes After the inside of the box 33, the control unit 7 controls the banknotes in the clearing and banknote cassette 33 to be transported to the banknote detector 4 in the opposite direction by the circulating banknote passage 2, and the banknote detector 4 recognizes the passing banknotes and Record normal banknotes and After the number of abnormal banknotes and the crown number, etc., the banknote counter 4 uploads the number of banknotes that have passed through the banknote detector 4 twice to the control unit 7, and the control unit 7 checks whether the number of banknotes passed through the banknote detector 4 is twice.
  • the bank can know the actual number of available banknotes in the first cycle of cash boxes that are counted based on the feedback information. Repeat the above steps to complete the inventory of other cash units, so as to achieve the purpose of counting the number of banknotes in the financial self-service device; when there are fewer banknotes in the recycling banknote 31 in the financial self-service device, it is necessary to replenish the recycled banknotes in time.
  • the banknotes in the box 31 are used to meet the transaction needs of the customer, and the banknote action is performed at this time.
  • the control unit 7 controls the banknotes in the clearing and banknote cassette 33 to enter the circulating banknote passage 2, and transmits the banknotes to the banknote detector 4 for banknote verification and records the banknote information, and the banknotes recognized by the banknote detector 4 as normal banknotes
  • the lower passage 22 is conveyed to the plurality of recycle cassettes 31; the banknotes recognized as abnormal banknotes by the banknote detector 4 are transferred from the recycle bank 2 to the collection cassette 32.
  • the financial self-service device in the embodiment optimizes the banknote passage inside the device, and sets the circulation banknote channel 2, and the cash box component 3 and the customer terminal 1 are connected with the circulation banknote channel 2, which can shorten the paper of the customer during the financial transaction.
  • the banknotes of the banknotes improve the processing efficiency of the transaction, reduce the number of parts that the banknotes pass through during the internal transmission of the device, avoid repeated passage of the same component, save the waiting time of the customer operation, and reduce the failure rate of the device.
  • the banknote when the customer selects a deposit transaction, the banknote enters the upper channel 21 in the circulating banknote passage 2 from the banknote deposit port 11, passes through the banknote validator 4, and enters the recycle banknote 31 from the lower channel 22, and the banknote is only It is necessary to move in the counterclockwise direction of FIG. 1 to enter the recycle cassette 31; when the customer selects the withdrawal transaction, the banknotes in the recycle cassette 31 enter the upper passage 21 from the lower passage 22, and enter the pick-up after being authenticated by the bill validator 4.
  • the banknote-receiving port 12 of the part 1 can move into the passenger part 1 only by moving clockwise in FIG.
  • the financial self-service device in the embodiment optimizes the banknote path, and does not need to be repeated, compared with the related art. Through the same component, the time required for financial transactions is greatly reduced, the efficiency is high, and the convenience of the customer is fully enhanced, so that the performance of the financial self-service device is more perfect.
  • the plurality of circulating banknotes 31 and the connecting point of the passenger part 1 and the circulating banknote passage 2 are provided with switching blades 6, and the switching blades 6 are electrically connected with the control component 7.
  • the control unit 7 controls the rotation of the switching blade 6 according to the transaction type selected by the customer, thereby switching the banknote path of the banknote.
  • the financial self-service device provided in this embodiment may further set the temporary storage structure 5 according to actual needs.
  • the temporary storage structure 5 mainly temporarily stores banknotes, for example, the customer does not confirm the deposit business in the financial transaction.
  • the banknotes that have entered the financial self-service device are temporarily stored.
  • the temporary storage structure 5 can be set at The upper part of the financial self-service device is connected to the circulating banknote passage 2, and the switching blade 6 is provided at the communication place, and the switching blade 6 is controlled by the control unit 7 to realize the banknotes being transferred from the circulating banknote channel 2 into the temporary storage structure 5 or by the temporary The storage structure 5 enters the circulation banknote channel 2.
  • the temporary storage structure 5 is in communication with the upper passage 21 and is located on the side of the money detector 4 remote from the passenger unit 1.
  • the temporary storage structure 5 and the passenger receiving portion 1 are respectively located on both sides of the money detector 4, which can simplify the deposit.
  • the banknote detector 4 recognizes the banknote path of the banknote of the normal banknote;
  • the temporary storage structure 5 may be a small banknote structure, or may be a temporary storage structure having a single winding or a double winding, and may be selected as needed.
  • the banknotes in the banknote deposit 11 pass through the banknote detector 4, and the banknotes recognized by the banknote detector 4 as normal banknotes enter the temporary storage structure 5, and are temporarily stored after the customer confirms the deposit.
  • the structure 5 enters the recycle cassette 31 through the lower passage 22, and the banknotes that are not recognized as normal banknotes by the banknote detector 4 are returned to the banknote withdrawal port 12 through the lower passage 22 for the customer to retrieve.
  • the temporary storage structure 5 when the customer thinks that the deposit amount placed in the deposit bank 11 is inconsistent with the deposit amount displayed by the financial self-service device, or when the customer changes the deposit intention or the deposit amount, the customer can directly cancel the deposit transaction, and the customer deposits The banknotes will be returned to the customer in the same way, reducing the dispute between the customer and the bank.
  • the cassette unit 3 can also be a recovery cassette 32 that is connected to the circulating bank 2.
  • the cassette unit 32 is a one-way unit, that is, only the banknotes are not discharged, and the banknotes are arranged side by side in a plurality of cycles.
  • One side of the cassette 31 is adjacent to the passenger portion 1, and the collection cassette 32 is for storing a banknote determined to be abnormal by the banknote detector during a deposit operation or a withdrawal operation.
  • the control unit 7 controls the banknote or the non-circulating paper recognized by the banknote detector 4 as abnormal banknotes.
  • the banknotes are transferred from the recycle bank 2 to the collection cassette 32.
  • Embodiment 1 As shown in FIG. 6 to FIG. 8 , the embodiment provides a cleaning method applied to the financial device in Embodiment 1, which includes:
  • step S110 the control unit 7 controls the banknotes in a circulating banknote 31 (e.g., the first cycle cassette) to enter the circulation banknote passage 2.
  • a circulating banknote 31 e.g., the first cycle cassette
  • step S120 the circulating banknote 2 transports the banknotes to the banknote detector 4 for banknote verification and records the banknote information, and transmits the recorded banknote information to the control unit 7.
  • step S130 the banknote recognized by the banknote detector 4 is transferred from the circulating banknote channel 2 to the banknote clearing banknote 33.
  • step S140 after all the banknotes in the specific circulating banknote 31 enter the clearing and cashing banknotes 33, the control component 7 controls the banknotes in the clearing and cashing banknotes 33 to be transported by the circulating banknote channel 2
  • the banknote detector 4 performs banknote verification and records the banknote information, and transmits the recorded banknote information to the control unit 7.
  • step S150 the banknote recognized as the normal banknote by the money detector 4 is transferred from the circulating banknote channel 2 to the recycle banknote 31; the banknote recognized by the banknote detector 4 as the abnormal banknote is transferred by the circulating banknote channel 2 To the recycling cassette 32.
  • step S160 the control unit 7 compares the first quantity of the banknotes in the first recycling cassette with the banknotes of the banknote counter and the banknotes in the banknote clearing box through the banknotes of the banknote counter.
  • the second quantity gets the count result and feeds back the result to the bank monitoring system.
  • the feeding back the inventory result to the bank monitoring system includes:
  • the inventory result and the identity information of the first circulating cash box are fed back to the bank monitoring system and a warning message is issued, so that When the manual billing is performed at a specific time, the warning information is checked; if the result of the counting is the first quantity and the second quantity are the same, the result of the counting and the identity information of the first circulating cash box are fed back Give the bank a monitoring system.
  • the method further includes: continuing to perform the foregoing steps S110-S160 to inventory the banknotes in the other circulating banknotes, and feeding back the inventory result.
  • the control unit 7 sequentially controls the bills in one of the recirculating cassettes (e.g., the first recirculating cassette) 31 to enter the lower passage 22 of the recirculating passage 2.
  • the clearing banknote cassette 33 is disposed on one side of the plurality of circulating banknotes 31, and adjacent to the banknote detector 4, that is, in FIG. In the left direction, when the banknotes in the first circulating cassette 31 enter the lower channel 22, the control unit 7 controls the banknotes to move in the counterclockwise direction of the banknote, and the banknote detector 4 checks the banknotes and records the information to enter. Clear the machine and the banknote cassette 33.
  • step S120 the money detector 4 records the denomination and the crown number of the identified banknotes, and accumulates the number of normal banknotes and abnormal banknotes in the banknotes, respectively.
  • the banknotes after passing through the banknote detector 4 are transferred from the upper channel 21 to the banknotes and banknote cassettes 33.
  • the control unit 7 controls the banknotes in the banknotes and banknotes 33 to be circulated.
  • the passage 2 is conveyed in the reverse direction, that is, in the clockwise direction in FIG.
  • the banknote detector 4 records the denomination and the crown number of the identified banknotes again, and accumulates the number of normal banknotes and abnormal banknotes in the banknotes respectively, and delivers the information recorded twice to the control component 7, the control component 7 comparing whether the first quantity of the banknotes in the first cycle cassette is passed through the banknote counter and the second quantity of the banknotes in the banknote replenishing banknote passes through the banknote counter, if Inconsistent, the case where the first quantity and the second quantity are inconsistent and the identity information of the first circulating banknote are fed back to the silver
  • the monitoring system sends a warning message, and if they are consistent, the first quantity and the second quantity are consistent and the identity information of the first circulating banknote is fed back to the bank monitoring system.
  • the method further comprises: continuously counting the banknotes in the other circulating cash boxes according to the above method, and feeding back the result of the counting, and finally completing the cleaning action.
  • the embodiment provides an automatic cleaning method, which replaces the manual cleaning process, reduces the burden on the staff, has high cleaning efficiency, and the banknote path of the banknote is short, shortening the cleaning machine. Time, high processing efficiency, high accuracy of banknote counting; at the same time, because no manual cleaning is required, the banking system can automatically record and check the number of banknotes and crown number of the machine, which can strengthen the financial security of the bank.
  • Embodiment 1 provides a method for adding money to a financial device in Embodiment 1, which includes:
  • step S210 the control unit 7 controls the banknotes in the clearing banknote cassette 33 to enter the circulating banknote passage 2.
  • step S220 the circulating banknote channel 2 transports the banknotes to the banknote detector 4 for banknote verification and records the information of the banknotes.
  • step S230 the banknote recognized by the banknote validator 4 as a normal banknote is entered into the recycle cassette 31 by the circulating banknote passage 2; the banknote recognized by the banknote detector 4 as an abnormal banknote is transported by the circulating banknote channel 2 to Recycle the cassette 32.
  • step S240 after the banknote is completed, the banknote detector 4 transmits the accumulated number of normal banknotes and abnormal banknotes to the control unit 7, and the control unit 7 counts the number of normal banknotes, the number of abnormal banknotes, the number of normal banknotes, and the number of abnormal banknotes.
  • the sum and the identity information of the clearing and banknote cassettes are transmitted to the bank's monitoring system.
  • the banknote path of the banknote is similar to the path of the second half of the machine.
  • the control component 7 controls the banknotes in the banknote cassette 33 to enter the cycle banknote 2 Channel 22.
  • the machine banknote cassette 33 is disposed on one side of the plurality of banknote cassettes 31, and adjacent to the banknote detector 4, that is, in FIG. In the left direction, when the banknotes in the banknote cassette 33 enter the lower channel 22, the control unit 7 controls the banknotes to move in the clockwise direction of the banknotes, and after passing through the banknote detector 4, is recognized by the banknote detector 4.
  • banknotes that are normal banknotes are transferred from the upper channel 21 to the recycling banknotes 31 that need to be added, and the banknotes recognized by the banknote detector 4 as abnormal banknotes are transferred from the circulating banknote channel 2 to the recycling banknote 32, and the addition is completed. Banknote action.
  • the banknote detector 4 will record information such as the denomination and the crown number of the banknote, and accumulate the banknotes.
  • the number of normal banknotes and abnormal banknotes when the banknote charging operation is completed, the banknote detector transmits the accumulated number of normal banknotes and abnormal banknotes to the control component 7, and the control component 7 transmits the recorded information according to the needs of the bank monitoring system. To the bank's monitoring system, it is easy to verify whether the amount of banknotes is accurate.
  • the present embodiment provides an automatic method of adding money, which replaces the manual banknote process in the related art, reduces manual intervention in the process of adding money, and increases the banknotes added by the banknote center.
  • the quantity monitoring can increase financial security while reducing the labor intensity of the banknote holders.
  • this embodiment provides a method for replenishing a financial device applied to the financial device in Embodiment 1, which includes:
  • step S310 after clearing the cash register banknote 33, the control unit 7 controls the banknotes to be transferred in the circulating banknote 31 having a larger number of banknotes to enter the circulating banknote passage 2.
  • step S320 the circulating banknote channel 2 transports the banknotes to the banknote detector 4 for banknote verification and records the banknote information.
  • step S330 the banknote recognized by the banknote detector 4 is transferred from the circulating banknote channel 2 to the banknote clearing banknote 33.
  • step S340 after all the banknotes to be transferred enter the clearing and banknote cassette 4, the control unit 7 controls the banknotes in the clearing and banknote cassette 33 to be transported by the circulating banknote channel 2 to the banknote detector 4 for performing. Check the banknotes and record the banknote information.
  • step S350 the banknote recognized by the banknote validator 4 as a normal banknote is entered into the recycle banknote 31 having a smaller banknote amount by the circulating banknote passage 2; the banknote recognized by the banknote detector 4 as an abnormal banknote is circulated
  • the banknote passage 2 is conveyed to the collection cassette 32.
  • the number of banknotes in the plurality of recirculating cassettes 31 is often uneven, and the number of banknotes in the individual recirculating cassettes 31 is large, and the number of banknotes in the other recirculating cassettes 31 is small. It affects the customer's use and needs to make up the money.
  • the banknotes are evenly distributed into a plurality of recirculating banknotes by circulating a banknote passage, and the banknote path of the banknotes is similar to the banknote path.
  • the banknote path of the banknotes is similar to the banknote path.
  • the channel 2 enters the clearing and banknote cassette 33, and the banknote detector 4 transmits the banknote detection result and related information to the control unit 7, and the control unit 7 can determine the banknote path by the remote command given by the banking system. path.
  • the control component 7 controls the banknotes in the clearing and cashing banknote 33 to enter the circulating banknote passage 2, and passes the money detector 4 test.
  • the banknotes record information such as the number of normal banknotes and banknotes and the crown number of the banknotes, and the banknotes recognized by the banknote validator 4 as normal banknotes are transferred from the lower channel 22 to the recycle banknote 31 designated by the bank system remote command ( Usually, the circulating banknote 31) having a small amount of banknotes is directly inserted into the circulating banknote 31 having a small amount of banknotes, and the banknotes are evenly distributed; if the banknotes recognized by the banknote detector 4 are abnormal banknotes, the entry is made. Recycle the cassette 32.
  • the embodiment provides an automatic method for replenishing banknotes, which can replace the manual banknote replenishing process in the related art, can reduce the number of bank banknotes, reduce the number of banknotes, reduce labor costs and transportation costs, and increase Financial security.
  • the financial self-service device optimizes the banknote path inside the device by adding a clearing machine and a banknote cassette, and can control the path of clearing the banknote and the banknote by the control component.
  • a clearing machine and a banknote cassette In order to achieve automatic cleaning, banknotes and banknotes, the accuracy and efficiency of cleaning, banknotes and banknotes are improved, the burden on staff is effectively reduced, and the practical functions of financial self-service devices are improved. It is necessary to manually clear the machine and add banknotes.
  • the banking system can automatically record the number of banknotes and the number of banknotes and the number of banknotes, which can strengthen the financial security of the bank.

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Abstract

一种金融自助设备及清机、加钞、补钞方法，金融自助设备包括钞箱组件（3）、循环走钞通道（2）、接客部（1）、控制组件（7）以及验钞器（4）。钞箱组件包括（3）清机加钞钞箱（33）及多个循环钞箱（31）。清机加钞钞箱（33）、多个循环钞箱（31）和接客部（1）均与循环走钞通道（2）连通。验钞器（4）设置在循环走钞通道（2）上，控制组件（7）用于控制纸钞的传送路径。

Description

金融自助设备及清机、加钞、补钞方法 技术领域
本公开涉及金融设备技术领域，例如涉及一种金融自助设备及清机、加钞、补钞方法。
背景技术
金融自助设备是一种客户进行自助服务的电子化设备，利用磁性代码卡或智能卡实现金融交易的自助服务，代替银行柜面人员的工作，它具有存款、取款、账户之间资金划拨、查询余额以及修改密码等功能，是一种新型的银行电脑终端。金融自助设备如自动存取款机，自发明以来，逐渐受到市场的重视，目前自动存取款机与银行机构的比例已经达到4∶1，可以独立运作于小区、学校、广场等人口密集的场所，使人们的生产和生活更加便捷。
金融自助设备在使用的过程中，需要定期进行清机、加钞及补钞，清机是清点金融自助设备内的纸钞数量，以进行核对；当金融自助设备内的循环钞箱内的纸钞过少时，为满足客户存取款的基本需求，需要及时向循环钞箱内增加纸钞，此动作称之为加钞；当金融自助设备内的多个循环钞箱内的纸钞数量不均时，需要均匀分配多个循环钞箱内的纸钞数量，将纸钞数量较多的钞箱内的纸钞传送至纸钞数量较少的循环钞箱内，此动作称之为补钞。
相关技术中的金融设备并不具备自动清机、加钞、补钞的功能，需要工作人员花费大量时间去清点钞币或向循环钞箱内加钞、补钞，导致工作人员负担重，且人工清点或加钞的精确性较差，工作效率低。
此外，在需要向循环钞箱内加钞时，一般在银行的指定地点(加钞中心)装填好加钞钞箱，带到现场后由指定的工作人员装入金融自助设备中，替换掉原有的循环钞箱，由于银行系统或加钞中心无法对被装入设备中的纸钞的数量进行核对，存在金融安全漏洞，金融安全性较差。
发明内容
本公开提出了一种金融自助设备，该设备增加了清机加钞钞箱，并设置了循环走钞通道，优化了设备内部的走钞路径，可以实现自动清机、加钞和补钞。
本公开采用以下技术方案：
一种金融自助设备，包括钞箱组件、循环走钞通道、接客部、控制组件以及验钞器，所述钞箱组件包括清机加钞钞箱及多个循环钞箱，所述清机加钞钞箱、多个所述循环钞箱和所述接客部均与所述循环走钞通道连通，所述验钞器设置在所述循环走钞通道上，所述控制组件用于控制纸钞的传送路径。
可选的，所述循环走钞通道包括首尾连接的上通道和下通道，所述验钞器设置在所述上通道上，所述清机加钞钞箱和多个所述循环钞箱均与所述下通道连通。
可选的，所述钞箱组件还包括与所述循环走钞通道连通的回收钞箱，所述回收钞箱用于存储在存款操作或取款操作时被验钞器判定为异常钞的纸钞。
可选的，还包括暂存结构，所述暂存结构与所述循环走钞通道连通。
可选的，所述接客部包括存钞口和取钞口，所述存钞口和所述取钞口均与所述循环走钞通道连通。
可选的，多个所述循环钞箱及所述接客部与所述循环走钞通道的连通点均设置有切换叶片，所述切换叶片用于切换纸钞的传送路径，并与所述控制组件连接。
本公开提出了一种金融自助设备的清机方法，该方法可以实现自动清机，且纸钞的走钞路径短，缩短了清机的时间，处理效率高、纸钞清点的准确性高。
本公开采用以下技术方案：
一种金融自助设备的清机方法，包括：
S110：控制组件控制第一循环钞箱内的纸钞进入循环走钞通道；
S120：循环走钞通道将纸钞输送至验钞器进行验钞、记录纸钞信息，并将记录的纸钞信息传送至控制组件；
S130：验钞器识别后的纸钞由循环走钞通道传送至清机加钞钞箱内；
S140：当所述第一循环钞箱内的纸钞全部进入清机加钞钞箱后，控制组件控制清机加钞钞箱内的纸钞由循环走钞通道输送至验钞器进行验钞、记录纸钞信息，并将记录的纸钞信息传送至控制组件；以及
S150：被验钞器识别为正常钞的纸钞由循环走钞通道传送至所述第一循环钞箱内；被验钞器识别为异常钞的纸钞由循环走钞通道传送至回收钞箱内。
可选的，步骤S120和步骤S140包括，所述验钞器记录识别的纸钞的面额和冠字号，并分别累计纸钞中正常钞及异常钞的数量。
可选的，还包括：
S160：控制组件对比所述第一循环钞箱内的纸钞经过验钞器的纸钞的第一数量和清机加钞钞箱内的纸钞经过验钞器的纸钞的第二数量获得清点结果，并将清点结果反馈给银行监控系统。
可选的，所述将清点结果反馈给银行监控系统包括：
若所述清点结果为所述第一数量和第二数量存在差异，或存在异常纸钞，则将所述清点结果以及所述第一循环钞箱的身份信息反馈至银行监控系统并发出警告信息，以便待特定时间进行人工轧帐时，对所述警告信息进行核对；若所述清点结果为第一数量和第二数量相同，则将所述清点结果以及所述第一循环钞箱的身份信息反馈给银行监控系统。
可选的，在所述S160之后，还包括：继续执行上述步骤S110-S160，以清点其他循环钞箱中的纸钞，并反馈所述其他循环钞箱的清点结果。
本公开提出了一种金融自助设备的加钞方法，该方法可以实现自动向循环钞箱内加钞，且纸钞的走钞路径短，缩短了加钞的时间，处理效率高、准确性高。
本公开采用以下技术方案：
一种金融自助设备的加钞方法，包括：
控制组件控制清机加钞钞箱内的纸钞进入循环走钞通道；
循环走钞通道将纸钞输送至验钞器进行验钞并记录纸钞的信息；以及
被验钞器识别为正常钞的纸钞由循环走钞通道进入循环钞箱内；被验钞器识别为异常钞的纸钞由循环走钞通道传送至回收钞箱内。
可选的，循环走钞通道将纸钞输送至验钞器进行验钞并记录纸钞的信息，包括：所述验钞器记录识别的纸钞的面额和冠字号，并累计纸钞中正常钞及异常钞的数量。
可选的，还包括：
加钞完成后，验钞器将累计的正常钞和异常钞的数量传送至控制组件，控制组件统计正常钞数量、异常钞数量、正常钞数量和异常钞数量的总和以及清机加钞钞箱的身份信息并传送至银行的监控系统。
本公开提出了一种金融自助设备的补钞方法，该方法可以实现自动均匀分配多个循环钞箱内纸钞的数量，且纸钞的走钞路径短，缩短了补钞的时间，处理效率高、准确性高。
本公开采用以下技术方案：
一种金融自助设备的补钞方法，包括：
清空清机加钞钞箱后，控制组件控制纸钞数量较多的循环钞箱内的待转移的纸钞进入循环走钞通道；
循环走钞通道将纸钞输送至验钞器进行验钞并记录纸钞信息；
验钞器识别后的纸钞由循环走钞通道传送至清机加钞钞箱内；
当待转移的纸钞全部进入清机加钞钞箱后，控制组件控制清机加钞钞箱内的纸钞由循环走钞通道输送至验钞器进行验钞并记录纸钞信息；以及
被验钞器识别为正常钞的纸钞由循环走钞通道进入由银行系统远程指定的循环钞箱或者直接进入纸钞数量较少的循环钞箱内；被验钞器识别为异常钞的纸钞由循环走钞通道传送至回收钞箱内。
本公开提供了一种金融自助设备及清机、加钞、补钞方法。金融自助设备包括钞箱组件、循环走钞通道、接客部以及控制组件，所述钞箱组件包括清机加钞钞箱及多个循环钞箱，所述清机加钞钞箱、多个所述循环钞箱和所述接客部均与所述循环走钞通道连通，所述循环走钞通道上设置有验钞器，所述控制组件用于控制纸钞的传送路径。通过增加了清机加钞钞箱，并设置了循环走钞通道，优化了设备内部的走钞路径，可以通过控制组件控制清机加钞钞箱及走钞的路径，从而实现自动清机、加钞和补钞，提高了清机、加钞和补钞的准确性及高效性，有效降低了工作人员的负担，完善金融自助设备的实用功能；同时，由于减少了纸钞与作业人员的接触机会，银行系统可以自动记录清机或加钞的纸钞的数量及冠字号等信息，可以加强银行的金融安全。
附图概述
图1是实施例1提供的金融自助设备的结构示意图；
图2是实施例1提供的切换叶片的工作状态示意图；
图3是实施例1提供的金融自助设备在存款交易时纸钞进入暂存箱的走钞路径示意图；
图4是实施例1提供的金融自助设备在存款交易时纸钞由暂存箱进入循环钞箱的走钞路径示意图；
图5是实施例1提供的金融自助设备中循环钞箱内的纸钞进入回收钞箱的走钞路径示意图；
图6是实施例2提供的清机方法的流程图；
图7是实施例2提供的清机方法中循环钞箱内的纸钞进入清机加钞钞箱的走钞路径示意图；
图8是实施例2提供的清机方法中清机加钞钞箱内的纸钞返回循环钞箱的走钞路径示意图；
图9是实施例3提供的加钞方法的流程图；
图10是实施例4提供的补钞方法的流程图；
图11是实施例1提供的金融自助设备的部件之间的连接关系示意图。
其中：
1、接客部；11、存钞口；12、取钞口；2、循环走钞通道；21、上通道；22、下通道；3、钞箱组件；31、循环钞箱；32、回收钞箱；33、清机加钞钞箱；4、验钞器；5、暂存结构；6、切换叶片；7、控制组件。
具体实施方式
下面结合附图并通过具体实施方式来说明本公开的技术方案。在不冲突的情况下，以下实施例和实施例中的特征可以相互组合。
实施例1
如图1-图5所示，本实施例提供了一种金融自助设备，包括钞箱组件3、循环走钞通道2、接客部1以及控制组件，钞箱组件3包括清机加钞钞箱33和多个循环钞箱31，清机加钞钞箱33、多个循环钞箱31和接客部1均与循环走钞通道2连通，循环走钞通道2上设置有验钞器4，控制组件7(参见图11)用于控制纸钞的传送路径，可以实现纸钞在接客部1、验钞器4、多个循环钞箱31及清机加钞钞箱33之间的传输，其中，所述控制组件7又叫控制器，可以是IPC(Industrial Personal Computer，工业控制计算机)。接客部1为顾客办理金融业务直接接触的器件，接客部1包括存钞口11和取钞口12，存钞口11和取钞口12均与循环走钞通道2连通，循环钞箱31是指纸钞能够存入也能从中取出的钞箱。通过设置清机加钞钞箱33，可以通过控制组件7控制清机加钞钞箱33实现自动清机、加钞和补钞，清机、加钞和补钞过程中，纸钞均经过循环走钞通道2上设置的验钞器4，验钞器4记录识别的纸钞的面额及冠字号等信息，并累计分别纸钞中正常钞和异常钞的数量，提高了清机、加钞和补钞的精准度，同时，由于减少了纸钞与作业人员的接触机会且清机、加钞、补钞的结果会上传监控系统，银行系统可以自动记录及核对清机或加钞的纸钞的数量、冠字号等信息，可以加强银行的金融安全；此外，纸钞在金融自助设备内的传送通道设置成循环走钞通道2，优化了设备内 部的走钞路径，使得纸钞在设备内部传送的过程中经过的部件减少，避免重复通过同一部件，优化了走钞路径，提高了处理效率，有效降低了工作人员的负担，减小了通道卡钞风险，提高了设备稳定性，完善了金融自助设备的实用功能。其中，所述异常钞可以是包括存款操作和取款操作时能够被验钞器识别且被验钞器判定为旧钞(例如有残缺的纸钞)、旧版钞(非当前市面流通版本的纸钞)，以及从循环钞箱输出的且因如假钞、纸钞倾斜等原因造成没有被验钞器识别的纸钞；所述正常钞可以是包括能够被验钞器识别的且适合在市面上流通的真钞。
可选的，在存款操作时，纸钞从存钞口进入验钞机且所述纸钞由于任一特定原因没有被验钞器识别的情况为拒钞，被拒的纸钞将由循环输送通道送至取钞口返回给用户。
可选的，循环走钞通道2包括首尾连接的上通道21和下通道22，上通道21和下通道22分别连接金融自助设备内的其他部件，形成金融自助设备内部走钞的循环通路。为在合理利用金融自助设备内部空间的基础上满足机械结构的功能要求，如图1所示，本实施例中的金融自助设备包括上机箱和下机箱，上机箱设置有接客部1和循环走钞通道2，下机箱设置有钞箱组件3，循环走钞通道2的上通道21上连接有验钞器4和接客部1，验钞器4用于鉴别交易过程中使用的纸钞的状况，包括纸钞真伪、是否适于市场流通及纸钞数量等，接客部1包括取钞口12和存钞口11，存钞口11和取钞口12均与循环走钞通道2的上通道21连通；循环走钞通道2的下通道22连接钞箱组件3的多个循环钞箱31，多个循环钞箱31及清机加钞钞箱33并排设置，使得金融自助设备内部的结构紧凑，有利于简化走钞路径。
清机加钞钞箱33主要在金融自助设备执行清机动作、加钞动作以及补钞动作时使用。清机加钞钞箱33可以是仅用于清机、加钞和补钞时使用的专用钞箱，也可以作为普通的循环钞箱使用，但在执行清机动作和补钞动作时，必须保证清机加钞钞箱33为空，以保证清机结果准确性。清机时，钞箱组件3中的多个循环钞箱31中的任一循环钞箱31(例如第一循环钞箱)内的纸钞经过循环走钞通道2和验钞器4后传送至清机加钞钞箱33内，控制组件7记录经过验钞器4的纸钞的数量及面额、冠字号等信息，当所述第一循环钞箱内的纸钞全部进入清机加钞钞箱33内后，控制组件7控制清机加钞钞箱33内的纸钞由循环走钞通道2反方向输送至验钞器4内验钞，验钞器4识别经过的纸钞的情况并分别记录正常钞和 异常钞的数量及冠字号等信息，之后验钞器4将两次经过验钞器4的纸钞的数量上传至控制组件7，控制组件7核对两次通过验钞器4的纸钞数量是否一致，并将核对结果随同被清点的所述第一循环钞箱的信息一同反馈给银行监控系统。银行可以根据反馈信息了解到被清点的第一循环钞箱中的真实的可用纸钞数量。如此重复执行上述步骤，以完成其他钞箱的清点，从而实现清点金融自助设备内纸钞数量的目的；当金融自助设备中的循环钞箱31内纸钞较少时，需要及时补加循环钞箱31内的纸钞，以满足客户的交易需求，此时执行加钞动作。控制组件7控制清机加钞钞箱33内的纸钞进入循环走钞通道2，并传送至验钞器4进行验钞并记录纸钞信息，被验钞器4识别为正常钞的纸钞由下通道22传送至多个循环钞箱31中；被验钞器4识别为异常钞的纸钞由循环走钞通道2传送至回收钞箱32内。
本实施例中的金融自助设备优化了设备内部的走钞通道，设置了循环走钞通道2，钞箱组件3和接客部1均与循环走钞通道2连通，可以缩短客户在金融交易时纸钞的走钞路径，提高交易的处理效率，减少纸钞在设备内部传送的过程中经过的部件数量，避免重复通过同一部件，节约客户操作的等待时间，降低了设备的故障率。
举例而言，在客户选取存款交易时，纸钞由存钞口11进入循环走钞通道2中的上通道21，经过验钞器4后由下通道22进入循环钞箱31中，纸钞只需沿图1逆时针方向运动即可进入循环钞箱31中；在客户选取取款交易时，循环钞箱31中的纸钞由下通道22进入上通道21，经过验钞器4鉴别后进入接客部1的取钞口12，纸钞只需沿图1顺时针方向运动即可进入接客部1中，与相关技术相比，本实施例中的金融自助设备优化了走钞路径，不需要重复通过同一部件，大大减少了金融交易所需时间，效率高，全面增强了客户使用的便利性，使得金融自助设备的性能更加完善。
如图2所示，为灵活切换纸钞的传送路径，多个循环钞箱31及接客部1与循环走钞通道2的连通点均设置有切换叶片6，切换叶片6与控制组件7电连接，控制组件7根据客户选取的交易类型，控制切换叶片6转动，从而切换纸钞的走钞路径。
此外，本实施例提供的金融自助设备还可以根据实际需要设置暂存结构5，如图3-图4所示，暂存结构5主要临时存储纸钞，如金融交易中在客户未确认存款业务的状态下，临时存储已进入金融自助设备内的纸钞。暂存结构5可以设置在 金融自助设备的上箱体内，且与循环走钞通道2连通，连通处设有切换叶片6，通过控制组件7控制切换叶片6实现纸钞由循环走钞通道2进入暂存结构5或由暂存结构5进入循环走钞通道2内。本实施例中暂存结构5与上通道21连通，并位于验钞器4远离接客部1的一侧，暂存结构5和接客部1分别位于验钞器4的两侧，可以简化存款时，验钞器4识别为正常钞的纸钞的走钞路径；暂存结构5可以为小型钞箱结构，也可以为具有单卷取或双卷取的暂存结构，可以根据需要选取。在客户选取存款交易时，存钞口11内的纸钞在经过验钞器4后，验钞器4识别为正常钞的纸钞进入暂存结构5内，待客户确认存款后，由暂存结构5通过下通道22进入循环钞箱31内，未被验钞器4识别为正常钞的纸钞则通过下通道22返回至取钞口12内，便于客户取回。通过设置暂存结构5当客户认为放入存钞口11的存款金额与金融自助设备显示的存款金额不一致时，或客户改变了存款意愿或存款金额时，客户可以直接取消存款交易，客户存入的纸钞将原路返回给客户，减少客户与银行的纠纷。
钞箱组件3还可以是包括与循环走钞通道2连通的回收钞箱32，本实施例中回收钞箱32为单向钞箱，即只进钞不出钞，其并排设置于多个循环钞箱31的一侧，且与接客部1相邻，回收钞箱32用于存储在存款操作或取款操作时被验钞器判定为异常钞的纸钞。如图5所示，当客户选择取款交易时，循环钞箱31内的纸钞在经过验钞器4时，控制组件7控制被验钞器4识别为异常钞的纸钞或不流通的纸钞由循环走钞通道2传送至回收钞箱32内。
实施例2
如图6-图8所示，本实施例提供了一种应用于实施例1中的金融设备的清机方法，包括：
在步骤S110中，控制组件7控制一循环钞箱31(例如第一循环钞箱)内的纸钞进入循环走钞通道2。
在步骤S120中，循环走钞通道2将纸钞输送至验钞器4进行验钞并记录纸钞信息，将记录的纸钞信息传送至控制组件7。
在步骤S130中，验钞器4识别后的纸钞由循环走钞通道2传送至清机加钞钞箱33内。
在步骤S140中，当所述特定循环钞箱31内的纸钞全部进入清机加钞钞箱33后，控制组件7控制清机加钞钞箱33内的纸钞由循环走钞通道2输送至验钞器4进行验钞并记录纸钞信息，将记录的纸钞信息传送至控制组件7。
在步骤S150中，被验钞器4识别为正常钞的纸钞由循环走钞通道2传送至循环钞箱31内；被验钞器4识别为异常钞的纸钞由循环走钞通道2传送至回收钞箱32内。
在步骤S160中，控制组件7对比所述第一循环钞箱内的纸钞经过验钞器的纸钞的第一数量和清机加钞钞箱内的纸钞经过验钞器的纸钞的第二数量获得清点结果，并将清点结果反馈给银行监控系统。
可选的，所述将清点结果反馈给银行监控系统包括：
若所述清点结果为所述第一数量和第二数量存在差异，或存在异常纸钞，则将清点结果以及所述第一循环钞箱的身份信息反馈至银行监控系统并发出警告信息，以便待特定时间进行人工轧帐时，对所述警告信息进行核对；若所述清点结果为第一数量和第二数量相同，则将所述清点结果以及所述第一循环钞箱的身份信息反馈给银行监控系统。
可选的，在所述S160之后，还包括：继续执行上述步骤S110-S160，以清点其他循环钞箱中的纸钞，并反馈清点结果。
举例而言，如图7所示，控制组件7依次控制其中一个循环钞箱(例如第一循环钞箱)31内的纸钞进入循环走钞通道2的下通道22。本实施例中，为简化走钞路径，提高清机效率，将清机加钞钞箱33设置于多个循环钞箱31的一侧，且与验钞器4相邻，即图7中的左侧方向，当所述第一循环钞箱31内的纸钞进入下通道22时，控制组件7控制纸钞沿图示逆时针方向走钞，经过验钞器4验钞并记录信息后进入清机加钞钞箱33内。其中，在步骤S120中，验钞器4记录识别的纸钞的面额和冠字号，并分别累计纸钞中正常钞及异常钞的数量。经过验钞器4后的纸钞由上通道21传送至清机加钞钞箱33内，之后如图8所示，控制组件7控制清机加钞钞箱33内的纸钞由循环走钞通道2反方向输送，即沿图8中的顺时针方向运动，经过验钞器4，被验钞器4识别为正常钞的纸钞由循环走钞通道2传送至循环钞箱31内，被验钞器4识别为异常钞的纸钞由循环走钞通道2传送至回收钞箱32内。在此过程中，验钞器4再次记录识别的纸钞的面额和冠字号，并分别累计纸钞中正常钞及异常钞的数量，并将两次记录的信息输送至控制组件7，控制组件7对比所述第一循环钞箱内的纸钞经过验钞器的纸钞的第一数量和清机加钞钞箱内的纸钞经过验钞器的纸钞的第二数量是否一致，如果不一致则将所述第一数量和第二数量不一致的情况以及所述第一循环钞箱的身份信息反馈至银 行监控系统并发出警告信息，如果一致，则将所述第一数量和第二数量一致的情况以及所述第一循环钞箱的身份信息反馈给银行监控系统。可选的，还包括：依照上述方法继续清点其他循环钞箱中的纸钞，并反馈清点结果，最终完成清机动作。
相对于相关技术，本实施例提供了一种自动的清机方法，替代人工清机过程，减少了工作人员的负担，清机效率高，且纸钞的走钞路径短，缩短了清机的时间，处理效率高、纸钞清点的准确性高；同时，由于不需要人工清机，银行系统可以自动记录及核对清机的纸钞的数量、冠字号等信息，可以加强银行的金融安全。
实施例3
如图9所示，本实施例提供了一种应用于实施例1中的金融设备的加钞方法，包括：
在步骤S210中，控制组件7控制清机加钞钞箱33内的纸钞进入循环走钞通道2。
在步骤S220中，循环走钞通道2将纸钞输送至验钞器4进行验钞并记录纸钞的信息。
在步骤S230中，被验钞器4识别为正常钞的纸钞由循环走钞通道2进入循环钞箱31内；被验钞器4识别为异常钞的纸钞由循环走钞通道2传送至回收钞箱32内。
在步骤S240中，加钞完成后，验钞器4将累计的正常钞和异常钞的数量传送至控制组件7，控制组件7统计正常钞数量、异常钞数量、正常钞数量和异常钞数量的总和以及清机加钞钞箱的身份信息并传送至银行的监控系统。
举例而言，加钞的走钞路径与清机中后半部分的路径相似，如图8所示，控制组件7控制清机加钞钞箱33内的纸钞进入循环走钞通道2的下通道22。本实施例中，为简化走钞路径，提高加钞效率，将清机加钞钞箱33设置于多个循环钞箱31的一侧，且与验钞器4相邻，即图8中的左侧方向，当清机加钞钞箱33内的纸钞进入下通道22时，控制组件7控制纸钞沿图示顺时针方向走钞，经过验钞器4后，被验钞器4识别为正常钞的纸钞由上通道21传送至需要加钞的循环钞箱31内，被验钞器4识别为异常钞的纸钞由循环走钞通道2传送至回收钞箱32内，完成加钞动作。
验钞器4在验钞的同时，将记录纸钞的的面额和冠字号等信息，并累计纸钞 中正常钞和异常钞的数量，当加钞动作完成后，验钞器将累计的正常钞和异常钞的数量传送至控制组件7内，控制组件7根据银行监控系统的需要将记录的信息传送至银行的监控系统，便于核实加钞数量是否准确。
相对于相关技术，本实施例提供了一种自动的加钞方法，代替相关技术中的人工加钞过程，减少了加钞过程中的人工干预，增加了加钞中心对被加钞的纸钞的数量监控，在减少加钞人员的劳动强度的同时，还能增加金融安全。
实施例4
如图10所示，本实施例提供了一种应用于实施例1中的金融设备的补钞方法，包括：
在步骤S310中，清空清机加钞钞箱33后，控制组件7控制纸钞数量较多的循环钞箱31内的待转移的纸钞进入循环走钞通道2。
在步骤S320中，循环走钞通道2将纸钞输送至验钞器4进行验钞并记录纸钞信息。
在步骤S330中，验钞器4识别后的纸钞由循环走钞通道2传送至清机加钞钞箱33内。
在步骤S340中，当待转移的纸钞全部进入清机加钞钞箱4后，控制组件7控制清机加钞钞箱33内的纸钞由循环走钞通道2输送至验钞器4进行验钞并记录纸钞信息。
在步骤S350中，被验钞器4识别为正常钞的纸钞由循环走钞通道2进入纸钞数量较少的循环钞箱31内；被验钞器4识别为异常钞的纸钞由循环走钞通道2传送至回收钞箱32内。
金融自助设备在使用过程中，经常出现多个循环钞箱31内的纸钞数量不均匀，个别循环钞箱31内的纸钞数量较多，而其他循环钞箱31内的纸钞数量较少，影响客户使用，需要进行补钞。
本实施例提供的补钞方法，通过循环走钞通道将纸钞均匀分配至多个循环钞箱中，所述纸钞的走钞路径与加钞路径相似。举例而言，在进行补钞操作时，需要清空清机加钞钞箱33内的纸钞，以保证补钞的数量的准确性；当清机加钞钞箱33清空后，纸钞数量较多的循环钞箱31中的待转移的纸钞在控制组件7的控制下传送至循环走钞通道2上，经过验钞器4验钞、记录纸钞的冠字号等信息后由循环走钞通道2进入清机加钞钞箱33内，并且验钞器4将验钞结果及相关信息传送至控制组件7，控制组件7可以是通过银行系统给予的远程指令确定走钞路 径。举例说明，当待转移的纸钞全部进入清机加钞钞箱33后，控制组件7控制清机加钞钞箱33内的纸钞进入循环走钞通道2内，并经过验钞器4验钞并记录正常钞和加钞的数量以及纸钞的冠字号等信息，被验钞器4识别为正常钞的纸钞，由下通道22传至银行系统远程指令指定的循环钞箱31内(通常为纸钞数量较少的循环钞箱31)或者直接进入纸钞数量较少的循环钞箱31内，实现纸钞的均匀分配；被验钞器4识别为异常钞的纸钞，则进入回收钞箱32内。
相对于相关技术，本实施例提供了一种自动的补钞方法，代替相关技术中的人工补钞过程，可以减少银行人工加钞的次数，减少押钞次数，减少人工成本与运输成本，增加金融安全。
工业实用性
本公开提供的金融自助设备通过增加了清机加钞钞箱，并设置了循环走钞通道，优化了设备内部的走钞路径，可以通过控制组件控制清机加钞钞箱及走钞的路径，从而实现自动清机、加钞和补钞，提高了清机、加钞和补钞的准确性及高效性，有效降低了工作人员的负担，完善金融自助设备的实用功能；同时，由于不需要人工清机、加钞，银行系统可以自动记录清机或加钞的纸钞的数量及冠字号等信息，可以加强银行的金融安全。

Claims (15)

  1. 一种金融自助设备，包括钞箱组件(3)、循环走钞通道(2)、接客部(1)、控制组件(7)以及验钞器(4)；
    所述钞箱组件(3)包括清机加钞钞箱(33)及多个循环钞箱(31)，所述清机加钞钞箱(33)、多个所述循环钞箱(31)和所述接客部(1)均与所述循环走钞通道(2)连通，所述验钞器(4)设置在所述循环走钞通道(2)上，所述控制组件(7)用于控制纸钞的传送路径。
  2. 如权利要求1所述的金融自助设备，其中，所述循环走钞通道(2)包括首尾连接的上通道(21)和下通道(22)，所述验钞器(4)设置在所述上通道(21)上，所述清机加钞钞箱(33)和多个所述循环钞箱(31)均与所述下通道(22)连通。
  3. 如权利要求2所述的金融自助设备，其中，所述钞箱组件(3)还包括与所述循环走钞通道(2)连通的回收钞箱(32)，所述回收钞箱(32)用于存储在存款操作或取款操作时被验钞器判定为异常钞的纸钞。
  4. 如权利要求1所述的金融自助设备，还包括暂存结构(5)，所述暂存结构(5)与所述循环走钞通道(2)连通。
  5. 如权利要求1所述的金融自助设备，其中，所述接客部(1)包括存钞口(11)和取钞口(12)，所述存钞口(11)和所述取钞口(12)均与所述循环走钞通道(2)连通。
  6. 如权利要求1-5任一项所述的金融自助设备，其中，多个所述循环钞箱(31)及所述接客部(1)与所述循环走钞通道(2)的连通点均设置有切换叶片(6)，所述切换叶片(6)用于切换纸钞的传送路径，并与所述控制组件(7)电连接。
  7. 一种金融自助设备的清机方法，包括：
    控制组件(7)控制第一循环钞箱(31)内的纸钞进入循环走钞通道(2)；
    循环走钞通道(2)将纸钞输送至验钞器(4)，所述验钞器(4)进行验钞、记录纸钞信息，并将记录的纸钞信息传送至控制组件(7)；
    验钞器(4)识别后的纸钞由循环走钞通道(2)传送至清机加钞钞箱(33)内；
    当第一循环钞箱(31)内的纸钞全部进入清机加钞钞箱(33)后，控制组件(7)控制清机加钞钞箱(33)内的纸钞由循环走钞通道(2)输送至验钞器(4)，所述验钞器(4)进行验钞、记录纸钞信息，并将记录的纸钞信息传送至控制组件(7)；以及
    被验钞器(4)识别为正常钞的纸钞由循环走钞通道(2)传送至循环钞箱(31)内；被验钞器(4)识别为异常钞的纸钞由循环走钞通道(2)传送至回收钞箱(32)内。
  8. 如权利要求7所述的清机方法，其中，所述验钞器(4)进行验钞、记录纸钞信息，并将记录的纸钞信息传送至控制组件(7)包括，所述验钞器(4)记录识别的纸钞的面额和冠字号，并分别累计纸钞中正常钞及异常钞的数量。
  9. 如权利要求7所述的清机方法，还包括：
    控制组件(7)对比所述第一循环钞箱内的纸钞经过验钞器的纸钞的第一数量和清机加钞钞箱内的纸钞经过验钞器的纸钞的第二数量获得清点结果，并将清点结果反馈给银行监控系统。
  10. 如权利要求9所述的清机方法，其中，所述将清点结果反馈给银行监控系统包括：
    若所述清点结果为所述第一数量和第二数量存在差异，或存在异常纸钞，则将所述清点结果以及所述第一循环钞箱的身份信息反馈至银行监控系统并发出警告信息，以便待特定时间进行人工轧帐时，对所述警告信息进行核对；若所述清点结果为第一数量和第二数量相同，则将所述清点结果以及所述第一循环钞箱的身份信息反馈给银行监控系统。
  11. 如权利要求9所述的清机方法，其中，所述金融自助设备包括多个第一循环钞箱，在所述将清点结果反馈给银行监控系统之后，还包括：对所述多个第一循环钞箱依次进行下述操作：控制组件(7)控制第一循环钞箱(31)内的纸钞进入循环走钞通道(2)；至控制组件(7)对比所述第一数量和所述第二数量获得清点结果，所述并将清点结果反馈给银行监控系统。
  12. 一种金融自助设备的加钞方法，包括：
    控制组件(7)控制清机加钞钞箱(33)内的纸钞进入循环走钞通道(2)；
    循环走钞通道(2)将纸钞输送至验钞器(4)进行验钞并记录纸钞的信息；以及
    被验钞器(4)识别为正常钞的纸钞由循环走钞通道(2)进入循环钞箱(31)内；被验钞器(4)识别为异常钞的纸钞由循环走钞通道(2)传送至回收钞箱(32)内。
  13. 如权利要求12所述的加钞方法，其中，循环走钞通道(2)将纸钞输送至验钞器(4)进行验钞并记录纸钞的信息，包括：
    所述验钞器(4)记录识别的纸钞的面额和冠字号，并累计纸钞中正常钞及异常钞的数量。
  14. 如权利要求13所述的加钞方法，还包括：
    加钞完成后，验钞器(4)将累计的正常钞和异常钞的数量传送至控制组件(7)，控制组件(7)统计正常钞数量、异常钞数量、正常钞数量和异常钞数量的总和以及清机加钞钞箱的身份信息并传送至银行的监控系统。
  15. 一种金融自助设备的补钞方法，包括：
    清空清机加钞钞箱(33)后，控制组件(7)控制纸钞数量较多的循环钞箱(31)内的待转移的纸钞进入循环走钞通道(2)；
    循环走钞通道(2)将纸钞输送至验钞器(4)进行验钞并记录纸钞信息；
    验钞器(4)识别后的纸钞由循环走钞通道(2)传送至清机加钞钞箱(33)内；
    当待转移的纸钞全部进入清机加钞钞箱(4)后，控制组件(7)控制清机加钞钞箱(33)内的纸钞由循环走钞通道(2)输送至验钞器(4)进行验钞并记录纸钞信息；以及
    被验钞器(4)识别为正常钞的纸钞由循环走钞通道(2)进入由银行系统远程指定的循环钞箱(31)或者直接进入纸钞数量较少的循环钞箱(31)内；被验钞器(4)识别为异常钞的纸钞由循环走钞通道(2)传送至回收钞箱(32)内。
PCT/CN2017/084901 2017-05-18 2017-05-18 金融自助设备及清机、加钞、补钞方法 WO2018209649A1 (zh)

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