Cash processing system, control server, method and program

Abstract

To expand the range of customers for whom transactions are conducted without exchanging cash.SOLUTION: A server is provided with a communication unit for communicating with a cash processing device operated by a customer and an information processing device operated by an operator, a storage unit for storing management information including identification information read from a medium by the cash processing device and an amount of cash disposed in the cash processing device when the communication unit receives the identification information and the amount of cash. Upon receipt of identification information read by the information processing device, the communication unit transmits the amount of cash associated with the identification information in the storage unit to the information processing device.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a cash processing system, a control server, a method and a program. [Background technology]

[0002] Conventionally, a cash processing device and a bank employee terminal operated by a bank employee are installed at the counter of a financial institution. For example, when the bank employee receives transfer destination information and cash to be transferred from a customer, the bank employee operates the bank employee terminal to execute a transfer transaction and deposit the received cash into the cash processing device.

[0003] In relation to transactions at financial institutions, Patent Document 1 discloses a system for paying taxes and public fees at a counter without the need for cash exchange between a bank employee and a customer. This system is based on the premise that the customer has an account with the financial institution, and the employee can pay taxes and public fees from the customer's account balance. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2021-36362 Summary of the Invention [Problem to be solved by the invention]

[0005] When a bank employee and a customer exchange cash at a financial institution's counter, problems such as discrepancies in the amount of cash and fraud can occur. Furthermore, exchanging cash between a bank employee and a customer at a financial institution's counter increases the employee's administrative burden and prolongs the counter's occupancy time, resulting in waiting times. The system described in Patent Document 1 above proposes a method that does not involve the exchange of cash between a bank employee and a customer, but this method is limited to customers who have an account with the financial institution.

[0006] The present invention has been made in consideration of the above problems, and an object of the present invention is to provide a new and improved cash processing system, control server, method and program that can expand the range of customers who can participate in transactions that do not require the exchange of cash. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems, according to one aspect of the present invention, there is provided a cash processing system including a cash processing device operated by a customer, an information processing device operated by an operator, and a control server that communicates with the cash processing device and the information processing device, wherein the cash processing device receives from a medium: Identifies the customer, does not include the customer's account information There is provided a cash handling system comprising: a first reading unit that reads identification information; a cash processing unit that counts and stores inserted cash as a deposit process; and a first communication unit that transmits the identification information read by the first reading unit and the cash amount counted by the cash processing unit to the control server, wherein the control server has a memory unit that stores management information including the identification information and the cash amount received from the cash processing device, and a second communication unit that, when identification information is received from the information processing device, transmits the cash amount associated with the identification information in the memory unit to the information processing device, and the information processing device has a second reading unit that reads identification information from a medium; a third communication unit that transmits the identification information read by the second reading unit to the control server and receives the cash amount from the control server; and a control unit that controls execution of the transaction within the range of the cash amount received by the third communication unit.

[0008] The management information regarding the deposit processing may include transaction status information indicating the progress of the transaction, and the control unit of the information processing device may extract, from the cash amounts received from the control server, cash amounts associated with transaction status information indicating that the transaction has not started, and control the execution of the transaction within the range of that cash amount.

[0009] The third communication unit may send a transaction status update request to the control server requesting that the transaction status information be updated after the transaction is completed, and the control server may, based on receiving the transaction status update request, update the transaction status information included in the management information for the deposit process to transaction status information indicating that the transaction has been completed.

[0010] When there is a difference between the cash amount and the amount of the executed transaction, the third communication unit of the information processing device may transmit the difference to the control server, a memory unit of the control server may store management information including the identification information and the difference, and when the second communication unit of the control server receives a withdrawal information acquisition request including the identification information read by the first reading unit from the cash processing device, the second communication unit may transmit the difference associated with the identification information to the cash processing device, and the cash processing unit of the cash processing device may perform a withdrawal process of cash equivalent to the difference received by the first communication unit.

[0011] The management information including the identification information and the difference may further include withdrawal status information indicating the progress status of the withdrawal process, and the cash processing unit of the information processing device may extract, from the difference received by the first communication unit, a difference that is associated with withdrawal status information indicating that the withdrawal process has not started, and perform a withdrawal process of cash equivalent to that difference.

[0012] The first communication unit of the cash processing device may send a withdrawal status update request to the control server after the withdrawal process is completed, requesting an update of the withdrawal status information, and the control server may, based on receiving the withdrawal status update request, update the withdrawal status information included in the management information, which includes the identification information and the difference, to transaction status information indicating that the withdrawal process has been completed.

[0013] The device may further include an output terminal for outputting the identification information.

[0014] In order to solve the above problem, according to another aspect of the present invention, there is provided a cash processing device operated by a customer, a communication unit that communicates with an information processing device operated by an operator, and a data processing device read from a medium in the cash processing device. Identifies the customer, does not include the customer's account information A control server is provided which includes a memory unit that stores management information including identification information and a cash amount, which is the amount of cash deposited in the cash processing device, when the communication unit receives the identification information and the cash amount, and when the communication unit receives identification information read from a medium in the information processing device, the communication unit transmits the cash amount associated with the identification information in the memory unit to the information processing device.

[0015] In order to solve the above problem, according to another aspect of the present invention, a computer is provided, comprising: a communication unit that communicates with a cash processing device operated by a customer and an information processing device operated by an operator; and information read from a medium in the cash processing device. Identifies the customer, does not include the customer's account information A program is provided to cause the communication unit to function as a control server, which includes a memory unit that stores management information including identification information and a cash amount, which is the amount of cash deposited in the cash processing device, when the communication unit receives the identification information and the cash amount, and which transmits the cash amount associated with the identification information in the memory unit to the information processing device when the communication unit receives identification information read from a medium in the information processing device.

[0016] In order to solve the above problem, according to another aspect of the present invention, a cash processing device operated by a customer and an information processing device operated by an operator are communicated with each other, and information read from a medium in the cash processing device is read out. Identifies the customer, does not include the customer's account informationA computer-executable method is provided, which includes, when identification information and a cash amount, which is the amount of cash deposited into the cash processing device, storing management information including the identification information and the cash amount, and when identification information read from a medium is received by the information processing device, transmitting the cash amount stored in association with the identification information to the information processing device. [Effects of the Invention]

[0017] According to the present invention as described above, it is possible to widen the range of customers who can be the target of transactions that are executed without the exchange of cash. [Brief explanation of the drawings]

[0018] [Figure 1] 1 is a diagram illustrating an example of a cash processing system according to an embodiment of the present invention. [Figure 2] 1 is a block diagram showing an example of a functional configuration of a cash processing device 1 according to an embodiment of the present invention. [Figure 3] 2 is a block diagram showing a functional configuration of a customer operation terminal 2 according to an embodiment of the present invention. FIG. [Figure 4] 2 is a block diagram showing the functional configuration of an operator terminal 8 according to an embodiment of the present invention. FIG. [Figure 5] FIG. 2 is a block diagram showing the functional configuration of a control server 3 according to an embodiment of the present invention. [Figure 6] FIG. 10 is an explanatory diagram showing the flow of a deposit process from output of a two-dimensional code. [Figure 7] FIG. 1 is an explanatory diagram showing the flow of a transfer transaction. [Figure 8] FIG. 10 is an explanatory diagram showing the flow of a dispensing process for dispensing change. [Figure 9] FIG. 10 is an explanatory diagram showing the flow of a dispensing process for dispensing change. [Figure 10] FIG. 10 is an explanatory diagram showing a specific example of state transitions of reception counters. [Figure 11] FIG. 10 is an explanatory diagram showing a specific example of state transitions of reception counters. [Figure 12] FIG. 10 is an explanatory diagram showing a specific example of state transitions of reception counters. [Figure 13] FIG. 10 is an explanatory diagram showing a specific example of state transitions of reception counters. [Figure 14] FIG. 2 is an explanatory diagram illustrating an example of the hardware configuration of a control server. DETAILED DESCRIPTION OF THE INVENTION

[0019] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant description will be omitted.

[0020] Furthermore, in this specification and drawings, multiple components having substantially the same functional configuration may be distinguished by adding different letters after the same reference numeral. For example, multiple components having substantially the same functional configuration or logical significance may be distinguished as necessary, such as cash processing device 1A and cash processing device 1B. However, when there is no particular need to distinguish between multiple components having substantially the same functional configuration, only the same reference numeral is added to each of the multiple components. For example, when there is no particular need to distinguish between cash processing device 1A and cash processing device 1B, each cash processing device will be simply referred to as cash processing device 1.

[0021] <1. Overview> One embodiment of the present invention relates to a cash handling system for conducting cash transactions. First, an overview of a cash handling system according to one embodiment of the present invention will be described with reference to FIG. 1. Note that, although the following mainly describes an example in which an embodiment of the present invention is applied to a financial institution, embodiments of the present invention can be applied to a wide variety of industries. For example, embodiments of the present invention can be applied to industries in which cash is handled, such as retail stores such as supermarkets and convenience stores, travel agencies, passenger infrastructure businesses such as railways and airlines, medical institutions, and government offices.

[0022] Fig. 1 is a diagram illustrating an example of a cash handling system according to one embodiment of the present invention. As shown in Fig. 1, the cash handling system according to this embodiment includes a plurality of cash processing devices 1 (cash processing devices 1A and 1B), a customer operation terminal 2, a control server 3, an accounting server 4, and an operator operation terminal 8.

[0023] The cash processing device 1 is a device that processes cash. The customer operation terminal 2 is a terminal that can be operated by a customer. The control server 3 is a device that controls the operation of each device included in the cash processing system. The operator operation terminal 8 is a terminal that can be operated by an operator who provides services related to the cash processing device 1 to customers. The cash processing device 1 and the customer operation terminal 2 are installed in a branch or the like of a financial institution. In that case, the operator who operates the operator operation terminal 8 is, for example, a bank employee of the financial institution. In this specification, a transaction is defined as a transaction that involves cash processing executed in the cash processing device 1 and accounting system processing.

[0024] Although two cash processing devices 1 are shown in Fig. 1, the cash processing system is not limited to two and may include one or more cash processing devices 1. Furthermore, although one customer operation terminal 2 is shown in Fig. 1, the cash processing system is not limited to one and may include two or more customer operation terminals 2. Furthermore, the two cash processing devices 1 and one customer operation terminal 2 shown in Fig. 1 are assumed to be located in the same place, such as the same store. However, the one or more cash processing devices 1 and one or more customer operation terminals 2 included in the cash processing system are not limited to being located in the same store and may be located across multiple stores.

[0025] (Customer-operated terminal) The customer operation terminal 2 is placed on a counter 7 installed in a storefront of a financial institution's branch or the like. The customer operation terminal 2 is connected to a control server 3 via a network 5. For example, the customer operation terminal 2 receives an output operation of a two-dimensional code from a customer. A clerk at the financial institution may be on standby near the counter 7 to assist the customer in operating the customer operation terminal 2. The customer operation terminal 2 may also be realized by, for example, a tablet terminal, a smartphone, a laptop computer, or a desktop PC.

[0026] Based on a customer's operation to output the two-dimensional code, the customer operation terminal 2 causes the printer 6, which is placed on the counter 7 and communicatively connected to the customer operation terminal 2, to output the two-dimensional code. The printer 6 generates a two-dimensional code indicating customer identification information that identifies the customer, prints the two-dimensional code on a paper-like medium, and ejects the paper-like medium on which the two-dimensional code is printed. Note that the printer 6 may output the customer identification information in other ways. For example, the printer 6 may output a barcode indicating the customer identification information, or may output a number indicating the customer identification information. After receiving the paper-like medium ejected from the printer 6, the customer proceeds to the location of the cash processing device 1 and starts a cash transaction at the cash processing device 1 by having the cash processing device 1 read the two-dimensional code formed on the paper-like medium.

[0027] The printer 6 is an example of an output terminal that outputs customer identification information. However, the method of outputting customer identification information is not limited to ejecting a paper-like medium on which the customer identification information is printed. For example, the customer operation terminal 2 may function as the output terminal. The customer operation terminal 2 may write the customer identification information to an IC card, which is an example of another medium, and eject the card, or may send a two-dimensional code to a personal terminal (such as a smartphone) carried by the customer, which is also an example of another medium. In the latter case, the cash processing device 1 may read the customer identification information from the two-dimensional code displayed on the personal terminal carried by the customer, or may receive the customer identification information from the personal terminal carried by the customer via near-field communication or the like.

[0028] In one embodiment of the present invention, when a customer wishes to execute a transaction, it is assumed that the customer fills out the transaction information on a prescribed form and hands the form to an operator at the counter. However, the customer may also input the transaction information by operating the customer operation terminal 2. In this case, the printer 6 outputs a two-dimensional code indicating the customer identification information and the transaction information, and the operator operation terminal 8 can execute the transaction based on the transaction information read from the two-dimensional code.

[0029] (cash processing device) Here, the cash processing device 1 is assumed to be a self-service cash processing device operated by a customer. The cash processing device 1 is connected to a control server 3 via a network 5. The cash processing device 1 reads customer identification information from a two-dimensional code formed on a paper medium ejected by a printer 6, and starts processing cash. For example, when a customer selects a deposit process, the cash processing device 1 executes a deposit process in which the cash inserted by the customer is counted and stored, and when the customer selects a withdrawal process, the cash is counted and dispensed.

[0030] As shown in Fig. 1, the cash processing device 1A has a cash processing unit 140 consisting of a banknote processing unit 142 and a coin processing unit 144. The banknote processing unit 142 deposits and dispenses banknotes, and the coin processing unit 144 deposits and dispenses coins. Also provided on the top surface of the cash processing device 1A are an operation display unit 110 having operation input and display functions, and a reading unit 120 that optically reads customer identification information from a two-dimensional code formed on a paper-like medium.

[0031] As shown in FIG. 1, the banknote processing unit 142 of the cash processing device 1A is provided with a banknote deposit / withdrawal port 11 for depositing and withdrawing banknotes, and the coin processing unit 144 is provided with a coin deposit / withdrawal port 19 for depositing and withdrawing coins, and a foreign object return port 22 for returning foreign objects other than coins that are inserted by mistake.

[0032] (Operator terminal) The operator-operated terminal 8 is placed, for example, at a counter of a financial institution and is operated by an operator who is a bank employee of the financial institution. The operator-operated terminal 8 is connected to the control server 3 via the network 5. For example, the operator-operated terminal 8 communicates with the accounting server 4 or other devices based on operations from the operator to execute transactions for transfers and tax payments.

[0033] (control server) The control server 3 is connected to the cash processing device 1, the customer operation terminal 2, and the operator operation terminal 8 installed in each branch of the financial institution via a network 5. The control server 3 can issue operation instructions to each connected device. As an example, the control server 3 sends a request to process cash to the cash processing device 1.

[0034] (accounting server) The accounting server 4 processes the accounting system of the transaction. For example, when a request is made to execute a deposit transaction, the accounting server 4 adds the deposit amount to the customer's account balance, and when a request is made to execute a withdrawal transaction, the accounting server 4 subtracts the withdrawal amount from the customer's account balance.

[0035] (network) The network 5 is a network that complies with any communication standard established by a standardization organization such as IEEE. The network 5 is configured, for example, by a wide area internet line or a dedicated line unique to the financial institution. These lines may include at least one of a wired communication path such as an Ethernet cable and a wireless communication path provided by Wi-Fi (registered trademark) or the like.

[0036] <2. Configuration of cash processing device> The outline of the cash handling system according to one embodiment of the present invention has been described above. Next, the functional configuration of the cash handling device 1 according to one embodiment of the present invention will be described with reference to Fig. 2.

[0037] Fig. 2 is a block diagram showing an example of a functional configuration of a cash processing device 1 according to an embodiment of the present invention. As shown in Fig. 2, the cash processing device 1 has a control unit 100, an operation display unit 110, a reading unit 120, a communication unit 130, a cash processing unit 140, and a memory unit 160.

[0038] The operation display unit 110 includes functions as a display unit that displays an operation guidance screen and a screen showing the processing status, etc., and as an input unit through which the customer inputs operations. The display unit function is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The input unit function is realized by, for example, a touch panel. The display unit and operation input unit functions may be configured separately.

[0039] The reading unit 120 is an example of a first reading unit and has a function of optically reading encoded customer identification information such as a one-dimensional barcode or a two-dimensional code. The reading unit 120 may be realized by, for example, a camera or a barcode reader. Furthermore, when reading the customer identification information from an IC card, the reading unit 120 may be realized by a card reader. Furthermore, when reading the customer identification information by wireless communication, the reading unit 120 may be realized by a communication interface capable of short-range wireless communication such as NFC (Near Field Communication).

[0040] The communication unit 130 is an example of a first communication unit, and is connected to the control server 3 via the network 5. The communication unit 130 transmits customer identification information read by the reading unit 120 to the control server 3, receives requests to execute or suspend cash processing from the control server 3, and transmits processing results of deposit processing or withdrawal processing to the control server 3. The communication method used by the communication unit 130 may be a wired communication method or a wireless communication method. An example of a wired communication method is a communication method using an Ethernet cable in accordance with IEEE, and an example of a wireless communication method is a communication method using WiFi in accordance with IEEE.

[0041] The cash processing unit 140 performs deposit and withdrawal processes for cash such as banknotes and coins. Deposit processes include counting the cash inserted by customers and storing the cash in a storage unit. Dispensing processes include dispensing cash from the storage unit and transporting the dispensed cash to a dispensing port.

[0042] The storage unit 160 is realized by a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The storage unit 160 stores, for example, a control program for controlling the operation of the cash processing device 1, input data during transactions with the cash processing device 1, a display screen, etc.

[0043] The control unit 100 is mainly configured with an electronic circuit such as a CPU (Central Processing Unit), and controls each functional unit of the cash processing device 1 to execute various processes.

[0044] The deposit process and the withdrawal process can be realized by a plurality of processes executed by the cash processing unit 140. The control unit 100 outputs execution instructions for each of the plurality of processes to the cash processing unit 140 in sequence, and the cash processing unit 140 executes the plurality of processes in sequence in accordance with the execution instructions. The control unit 100 also controls the communication unit 130 to send information indicating the processing results of the deposit process and the withdrawal process to the control server 3.

[0045] <3. Configuration of customer operation terminal> The functional configuration of the cash processing device 1 according to one embodiment of the present invention has been described above. Next, the functional configuration of the customer operation terminal 2 according to one embodiment of the present invention will be described with reference to Fig. 3.

[0046] 3 is a block diagram showing the functional configuration of a customer operation terminal 2 according to an embodiment of the present invention. As shown in FIG. 3, the customer operation terminal 2 according to an embodiment of the present invention includes a control unit 200, an operation display unit 210, a communication unit 220, and a storage unit 230.

[0047] The control unit 200 is mainly configured with electronic circuits such as a CPU (Central Processing Unit), and controls each functional unit of the customer operation terminal 2 to execute various transactions.

[0048] The operation display unit 210 includes functions as a display unit that displays an operation guidance screen and a screen showing the processing status, etc., and as an input unit through which the customer inputs operations. The display unit function is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The input unit function is realized by, for example, a touch panel. The display unit and operation input unit functions may be configured separately.

[0049] The communication unit 220 is connected to the control server 3 via the network 5. The communication unit 220 sends an instruction to output a two-dimensional code to the printer 6, causing the printer 6 to output the two-dimensional code. The communication method used by the communication unit 220 may be a wired communication method or a wireless communication method. An example of a wired communication method is a communication method using an Ethernet cable in accordance with IEEE, and an example of a wireless communication method is a communication method using WiFi in accordance with IEEE.

[0050] The storage unit 230 is realized by a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The storage unit 230 stores, for example, a control program for controlling the operation of the customer operation terminal 2, a display screen, etc.

[0051] <4. Configuration of operator operation terminal> The functional configuration of the customer operation terminal 2 according to one embodiment of the present invention has been described above. Next, the functional configuration of the operator operation terminal 8 according to one embodiment of the present invention will be described with reference to FIG.

[0052] 4 is a block diagram showing the functional configuration of operator operation terminal 8 according to one embodiment of the present invention. As shown in FIG. 4, operator operation terminal 8 according to one embodiment of the present invention has control unit 800, operation display unit 810, communication unit 820, storage unit 830, and reading unit 840.

[0053] The operation display unit 810 includes functions as a display unit that displays a screen for notifying an operator of information and an input unit that allows the operator to perform operation input. The display unit function is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The input unit function is realized by, for example, a touch panel. The functions of the display unit and the operation input unit may be configured separately.

[0054] The communication unit 820 is an example of a third communication unit, and is connected to the control server 3 via the network 5. The communication method used by the communication unit 820 may be a wired communication method or a wireless communication method. An example of the wired communication method is a communication method using an Ethernet cable in accordance with IEEE, and an example of the wireless communication method is a communication method using WiFi in accordance with IEEE.

[0055] The storage unit 830 is realized by a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The storage unit 830 stores, for example, a control program for controlling the operation of the operator operation terminal 8, a display screen, etc.

[0056] The reading unit 840 is an example of a second reading unit and has a function of optically reading encoded customer identification information such as a one-dimensional barcode or a two-dimensional code. The reading unit 840 may be realized by, for example, a camera or a barcode reader. Furthermore, when reading the customer identification information from an IC card, the reading unit 840 may be realized by a card reader. Furthermore, when reading the customer identification information by wireless communication, the reading unit 840 may be realized by a communication interface capable of short-range wireless communication such as NFC.

[0057] The control unit 800 is mainly configured with electronic circuits such as a CPU (Central Processing Unit), and controls each functional unit of the operator operation terminal 8 to support the operator's work. For example, the control unit 800 controls the execution of a transaction desired by a customer.

[0058] <5. Control Server Configuration> The functional configuration of the operator terminal 8 according to one embodiment of the present invention has been described above. Next, the functional configuration of the control server 3 according to one embodiment of the present invention will be described with reference to FIG.

[0059] 5 is a block diagram showing the functional configuration of the control server 3 according to one embodiment of the present invention. As shown in FIG. 5, the control server 3 according to one embodiment of the present invention includes a control unit 300, a communication unit 310, and a storage unit 320.

[0060] The communication unit 310 is an example of a second communication unit, and communicates with external devices such as the cash processing device 1, the customer operation terminal 2, and the operator operation terminal 8. As an example, the communication unit 310 transmits a request to execute a transaction to the cash processing device 1 and the accounting server 4 under control of the control unit 300. For example, if the requested transaction is a withdrawal process, the communication unit 310 transmits a request to execute the withdrawal process to the cash processing device 1.

[0061] The storage unit 320 stores various data and software used in the operation of the control server 3. In particular, the storage unit 320 according to an embodiment of the present invention stores a reception counter as an example of management information. The reception counter is a counter generated for each transaction and indicates the progress and processing status of the transaction. The reception counter will be described in detail below with reference to FIGS. 10 to 13.

[0062] The control unit 300 is mainly configured with electronic circuits such as a CPU (Central Processing Unit), and executes various transactions by controlling the various functional units of the control server 3. The control unit 300 controls the generation and updating of the reception-specific counters described above, communication by the communication unit 310, etc.

[0063] <6. Processing flow> The configuration of a cash handling system according to one embodiment of the present invention has been described above. Next, the processing flow of a cash handling system according to one embodiment of the present invention will be described with reference to Figures 6 to 9. Figures 6 to 9 show a flow in which, for a transfer transaction in which a customer transfers 4,500 yen, a deposit process is executed in the cash handling system to deposit 5,000 yen, and after the transfer transaction is executed, a withdrawal transaction is executed to withdraw 500 yen in change. The customer does not need to have an account with a financial institution.

[0064] (2D code output ~ deposit processing) Figure 6 is an explanatory diagram showing the flow of the deposit process from the output of the two-dimensional code. As shown in Figure 6, first, based on the operation by the customer, the customer operation terminal 2 sends a request to the printer 6 to output a two-dimensional code (S01). The printer 6 creates a two-dimensional code indicating customer identification information (S02), prints the two-dimensional code on a paper medium, and ejects the paper medium with the printed two-dimensional code (S03). The customer receives the paper medium and moves in front of the cash processing device 1.

[0065] When a customer holds the paper medium over the reading unit 120 of the cash processing device 1 (S04), the reading unit 120 of the cash processing device 1 reads customer identification information from the two-dimensional code on the paper medium (S05). Furthermore, to deposit funds for transfer, the customer operates the operation display unit 110 of the cash processing device 1 to select deposit processing (S06). Subsequently, the cash processing device 1 transmits a transaction start request including the customer identification information to the control server 3 (S07).

[0066] Based on the receipt of the transaction start request, the control server 3 assigns a reception number corresponding to the current transaction by the current customer (S08). Furthermore, the control server 3 generates a reception-specific counter including the reception number as management information (S09). Here, a specific example of the reception-specific counter will be described with reference to FIG. 10.

[0067] 10 to 13 are explanatory diagrams showing specific examples of state transitions of a reception counter. As shown in FIGS. 10 to 13, the reception counter includes information such as a reception number, terminal identification information, customer identification information, transaction total, cash amount, difference, transaction start date and time, and transaction end date and time. The reception number is a number assigned in S08, the terminal identification information is identification information of the control server 3, and the customer identification information is customer identification information included in the transaction start request. The transaction total is the total amount of transactions performed or planned transactions, the cash amount is the total cash deposited or withdrawn in the cash processing device 1, and the difference is the difference between the transaction total and the cash amount. The transaction start date and time is the date and time when the transaction started, and the transaction end date and time is the date and time when the transaction ended. At the time when the reception counter is generated in S09, as shown in the upper part of FIG. 10, the transaction total, cash amount, and difference are 0, and the transaction end date and time are blank.

[0068] 10 to 13, the reception-specific counters include an accounting counter and a cash handling counter. The accounting counter is a counter that holds information to be handed over to and from the operator-operated terminal 8, and the cash handling counter is a counter that holds the details of processing executed in the cash processing device 1. Specifically, the accounting counter includes a branch number, a transaction amount, and a transaction status. The transaction amount is the amount of the transaction performed or the amount of the transaction scheduled, and the transaction status is transaction status information that indicates the progress of the transaction. The cash handling counter includes a branch number, a cashier identifier, a cash amount, and a denomination breakdown. The cash amount is the amount of cash deposited or dispensed in the cash processing device 1, and the denomination breakdown is a breakdown of the number of cash by denomination deposited or dispensed in the cash processing device 1. At the time the reception-specific counters are generated in S09, the accounting counter and the cash handling counter are blank, as shown in the upper part of FIG. 10.

[0069] 6, when the control server 3 generates a reception-specific counter, it transmits a transaction start response to the cash processing device 1 (S10). Subsequently, when the cash processing device 1 transmits a deposit preparation request to the control server 3 (S11), the control server 3 performs deposit preparation processing (S12). The deposit preparation processing is processing for changing the state of the control server 3 to a state in which a deposit request can be issued from the control server 3 to the cash processing device 1. After performing the deposit preparation processing, the control server 3 transmits a deposit preparation response indicating that deposit preparation has been completed to the cash processing device 1 (S13), and further transmits a deposit request requesting that the cash processing device 1 execute a deposit process (S14).

[0070] Then, based on the deposit request, the cash processing device 1 executes a deposit process including counting and storing the cash inserted by the customer (S15), and transmits a deposit response including the counted cash amount, i.e., the deposit amount, to the control server 3 (S16). Here, it is assumed that the deposit amount is 5,000 yen.

[0071] The control server 3 updates the reception counter based on the received deposit response (S17). Specifically, as shown in the middle of Fig. 10, the cash amount is updated to 5000, the difference is updated to 5000, and values are added to each item in the cash processing counter.

[0072] Furthermore, when the control server 3 receives a status update request from the cash processing device 1 requesting an update of the transaction status (S18), it adds values to each item in the accounting processing counter (S19), as shown in the lower part of Figure 10. The transaction status is "unprocessed," which indicates that the transfer transaction has not yet started. Thereafter, the control server 3 sends a status update response to the cash processing device 1 indicating that the transaction status has been updated (S20).

[0073] (Transfer transactions) 7 is an explanatory diagram showing the flow of a transfer transaction. A customer goes to a counter with a transfer form on which the transfer destination and transfer amount have been filled in and a paper medium on which a two-dimensional code has been printed, and when the customer hands the transfer form and paper medium to an operator, the operator holds the paper medium over the operator-operated terminal 8, and the reading unit 840 of the operator-operated terminal 8 reads the customer identification information from the two-dimensional code on the paper medium (S21). The operator-operated terminal 8 then sends a deposit information acquisition request including the customer identification information to the control server 3 (S22).

[0074] The operator-operated terminal 8 searches for a reception counter that contains the customer identification information included in the deposit information acquisition request (S23), and sends deposit information including the transaction amount and transaction status at the accounting processing counter included in that reception counter to the operator-operated terminal 8 as a deposit information acquisition response (S24).

[0075] The operator-operated terminal 8 then extracts deposit information whose transaction status is unprocessed from the deposit information received from the control server 3 (S25). Furthermore, the operator-operated terminal 8 sends a status update request to the control server 3 (S26), and the control server 3 updates the transaction status in the accounting counter to "in process" (S27), as shown in the upper part of Fig. 11, and sends a status update response indicating that the transaction status has been updated to the operator-operated terminal 8 (S28). Here, the transfer amount is 4,500 yen, but in this system the transaction amount is set to 5,000 yen, the same as the deposit amount.

[0076] Next, the operator operates the operator-operated terminal 8 based on the information entered on the transfer slip, and the operator-operated terminal 8 communicates with a host server (not shown) to execute the transfer transaction (S29). Here, the operator-operated terminal 8 executes the transfer transaction within the range of the transaction amount included in the deposit information extracted in S25. Thereafter, the operator-operated terminal 8 sends a status update request to the control server 3 (S30), and the control server 3 updates the transaction status in the accounting counter to completed (S31), as shown in the lower part of Fig. 11, and sends a status update response indicating that the transaction status has been updated to the operator-operated terminal 8 (S32).

[0077] Furthermore, the operator operation terminal 8 transmits a transaction completion request to the control server 3 (S33), the control server 3 completes the transaction (S34), and transmits a transaction completion response to the operator operation terminal 8 (S35).

[0078] (Change Dispensing) 8 and 9 are explanatory diagrams showing the flow of the withdrawal process for withdrawing change. In this operation example, the customer deposits 5,000 yen and 4,500 yen is transferred, so the difference of 500 yen should be returned to the customer as change. As shown in FIG. 8, the operator-operated terminal 8 calculates the difference of 500 yen (S36) and sends a transaction start request to the control server 3 (S37).

[0079] Based on the receipt of the transaction start request, the control server 3 assigns a reception number corresponding to the current transaction by the current customer (S38). Furthermore, the control server 3 generates a reception-specific counter including the reception number as management information (S39). Specifically, the control server 3 generates the reception-specific counter shown in the upper part of Fig. 12. The customer identification information included in the reception-specific counter is the customer identification information included in the transaction start request received in S07.

[0080] When the control server 3 creates the reception-specific counter, it transmits a transaction start response to the operator-operated terminal 8 (S40). Next, the operator-operated terminal 8 transmits a withdrawal information registration request including the difference calculated as change in S36 to the control server 3 (S41), and the control server 3 registers the withdrawal information in the reception-specific counter (S42), and transmits a withdrawal information registration response to the operator-operated terminal 8 (S43). In S42, as shown in the middle part of Fig. 12, 500 yen is registered in the transaction amount in the accounting processing counter, unprocessed is registered in the transaction status, and five 100 yen coins may be registered in the denomination notification details.

[0081] Thereafter, when the customer approaches the cash processing device 1 and holds the paper-like medium on which the two-dimensional code is printed over the cash processing device 1, the reading unit 120 of the cash processing device 1 reads the customer identification information from the two-dimensional code on the paper-like medium (S44). Then, the cash processing device 1 transmits a withdrawal information acquisition request including the customer identification information to the control server 3.

[0082] The control server 3 searches for a reception counter for the withdrawal process that includes the customer identification information included in the withdrawal information acquisition request (S46), and sends the withdrawal information, including the transaction amount, transaction status, and denomination breakdown in the accounting processing counter at that reception counter, to the cash processing device 1 as a withdrawal information acquisition response (S47).

[0083] Thereafter, the operator-operated terminal 8 extracts the transaction amount associated with the transaction status that is unprocessed from the withdrawal information received from the control server 3 (S48), and sends a status update request to the control server 3 (S49). Based on the status update request, the control server 3 updates the transaction status at the accounting counter to "in progress" (S50), as shown in the lower part of Fig. 12, and sends a status update response to the operator-operated terminal 8 (S51).

[0084] Furthermore, when the operator operation terminal 8 transmits a withdrawal preparation request to the control server 3 (S52), the control server 3 performs a withdrawal preparation process (S53). The withdrawal preparation process is a process for changing the state of the control server 3 to a state in which the control server 3 can issue a withdrawal request to the cash processing device 1. After performing the withdrawal preparation process, the control server 3 transmits a withdrawal preparation response indicating that withdrawal preparation has been completed to the cash processing device 1 (S54), and further transmits a withdrawal request requesting the cash processing device 1 to execute the withdrawal process (S55).

[0085] Based on the receipt of the withdrawal request, the cash processing device 1 counts the cash equivalent to the transaction amount extracted in S48, dispenses the counted cash to the customer, and the customer receives the cash (S56). Then, the cash processing device 1 transmits a withdrawal information response including withdrawal information including the withdrawal amount and a breakdown of denominations to the control server 3 (S57).

[0086] The control server 3 adds a value to the cash processing counter in the reception counter based on the withdrawal information response (S58), as shown in the upper part of Fig. 13. Furthermore, when the control server 3 receives a status update request from the cash processing device 1 requesting an update of the transaction status (S59), it updates the transaction status in the accounting processing counter to "completed" indicating that the transaction has been completed (S60), as shown in the lower part of Fig. 13, and sends a status update response to the cash processing device 1 (S61).

[0087] Furthermore, the cash processing device 1 transmits a transaction completion request to the control server 3 (S62), the control server 3 completes the transaction (S63), and transmits a transaction completion response to the cash processing device 1 (S64).

[0088] <6. Action and Effects> According to the embodiment of the present invention described above, various effects can be obtained. For example, according to the embodiment of the present invention, a financial institution's counter operator can carry out transactions such as transfers and tax payments without exchanging cash with a customer. Furthermore, according to the embodiment of the present invention, a two-dimensional code indicating customer identification information is output and the reception counter is updated using the customer identification information, so that customers who do not have an account with the financial institution can also be eligible for the above-mentioned transactions that are carried out without exchanging cash.

[0089] By carrying out transactions without exchanging cash, it is possible to reduce problems such as discrepancies in amounts, fraud, administrative burdens on operators, and waiting times due to the counter being occupied.

[0090] Furthermore, by using separate reception counters to manage the progress of transactions, it is possible to constantly update the status of each transaction.

[0091] Furthermore, according to one embodiment of the present invention, when returning change to a customer, the operator can dispense the change from the cash processing device 1 without having to exchange cash with the customer.

[0092] <7. Hardware Configuration> The above describes one embodiment of the present invention. The management of reception counters and information processing such as communication measurement are realized by software working in cooperation with the hardware of the control server 3, which will be described below.

[0093] 14 is a block diagram showing the hardware configuration of the control server 3. The control server 3 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, and a host bus 904. The control server 3 also includes a bridge 905, an external bus 906, an interface 907, an input device 908, a display device 909, an audio output device 910, a storage device (HDD) 911, a drive 912, and a network interface 915.

[0094] The CPU 901 functions as an arithmetic processing unit and control unit, and controls the overall operation of the control server 3 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, etc. The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, etc. These are interconnected by a host bus 904 that is composed of a CPU bus, etc. The functions of the control unit 300 described above can be realized by the cooperation of the CPU 901, ROM 902, RAM 903, and software.

[0095] The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 905. It is not necessary to configure the host bus 904, bridge 905, and external bus 906 separately, and these functions may be implemented on a single bus.

[0096] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, buttons, microphone, sensors, switches, and levers that allow the user to input information, and an input control circuit that generates an input signal based on the user's input and outputs it to the CPU 901. By operating the input device 908, the user of the control server 3 can input various data to the control server 3 and instruct processing operations.

[0097] The display device 909 includes, for example, a display device such as a liquid crystal display (LCD) device, a projector device, an OLED (Organic Light Emitting Diode) device, a lamp, etc. The audio output device 910 includes an audio output device such as a speaker and a headphone.

[0098] The storage device 911 is a data storage device configured as an example of a storage unit of the control server 3 according to this embodiment. The storage device 911 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, and a deletion device that deletes data recorded on the storage medium. The storage device 911 is configured, for example, with an HDD (Hard Disk Drive) or an SSD (Solid Storage Drive), or a memory with equivalent functions. This storage device 911 drives the storage and stores programs executed by the CPU 901 and various data.

[0099] The drive 912 is a reader / writer for a storage medium, and is built into or externally attached to the control server 3. The drive 912 reads information recorded on a removable storage medium 24, such as an attached magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 903 or the storage device 911. The drive 912 can also write information to the removable storage medium 24.

[0100] The network interface 915 is, for example, a communication interface configured with a communication device for connecting to the network 5. The network interface 915 may be a wireless LAN (Local Area Network) compatible communication device or a wired communication device that performs wired communication.

[0101] The hardware configuration of the control server 3 described above can also be applied to other devices such as the customer operation terminal 2 and the operator operation terminal 8.

[0102] <8. Supplementary Information> Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0103] For example, the steps in the processing of the cash handling system in this specification do not necessarily have to be processed in chronological order according to the order shown in the sequence diagram or flowchart. For example, the steps in the processing of the cash handling system may be processed in an order different from the order shown in the flowchart, or may be processed in parallel.

[0104] It is also possible to create a computer program for causing hardware such as a CPU, ROM, and RAM built into the cash processing device 1, the customer operation terminal 2, the control server 3, and the operator operation terminal 8 to perform functions equivalent to those of the above-mentioned components of the cash processing device 1, the customer operation terminal 2, the control server 3, and the operator operation terminal 8. A non-transitory storage medium storing the computer program is also provided. [Explanation of symbols]

[0105] 1. Cash handling equipment 100 control section 110 Operation display section 120 Reading unit 130 Communications Department 140 Cash Processing Unit 160 Storage section 2 Customer operation terminal 200 control section 210 Operation display section 220 Communications Department 230 Storage section 3 Control Server 300 control section 310 Communications Department 320 Storage section 8 Operator Control Terminal 800 control section 810 Operation display section 820 Communications Department 830 Storage section 840 Reading unit

Claims

1. A cash processing system having a cash processing device operated by a customer, an information processing device operated by an operator, and a control server that communicates with the cash processing device and the information processing device, The cash processing device includes: a first reading unit that reads, from the medium, identification information that identifies the customer and does not include account information of the customer; a cash processing unit that counts and stores inserted cash as a deposit process; a first communication unit that transmits the identification information read by the first reading unit and the cash amount counted by the cash processing unit to the control server; and The control server a storage unit that stores management information including the identification information and the cash amount received from the cash processing device; and a second communication unit that, when identification information is received from the information processing device, transmits the cash amount associated with the identification information in the storage unit to the information processing device; and The information processing device includes: a second reading unit that reads the identification information from the medium; a third communication unit that transmits the identification information read by the second reading unit to the control server and receives the cash amount from the control server; and a control unit that controls execution of the transaction within the range of the cash amount received by the third communication unit; A cash handling system comprising:

2. The management information regarding the deposit process includes transaction status information indicating a progress status of the transaction, 2. The cash handling system according to claim 1, wherein the control unit of the information processing device extracts, from the cash amounts received from the control server, cash amounts associated with transaction status information indicating that the transaction has not started, and controls execution of the transaction within the range of the cash amounts.

3. the third communication unit transmits a transaction status update request to the control server after the transaction is completed, the transaction status update request requesting that the transaction status information be updated; 3. The cash handling system according to claim 2, wherein the control server, upon receiving the transaction status update request, updates the transaction status information included in the management information for the deposit processing to transaction status information indicating that the transaction has been completed.

4. When there is a difference between the cash amount and the amount of the executed transaction, the third communication unit of the information processing device transmits the difference to the control server; the storage unit of the control server stores management information including the identification information and the difference; when the second communication unit of the control server receives from the cash processing device a withdrawal information acquisition request including the identification information read by the first reading unit, the second communication unit of the control server transmits the difference associated with the identification information to the cash processing device; The cash processing system according to any one of claims 1 to 3, wherein the cash processing unit of the cash processing device performs a withdrawal process of cash equivalent to the difference received by the first communication unit.

5. the management information including the identification information and the difference further includes withdrawal status information indicating a progress status of the withdrawal process, 5. The cash processing system according to claim 4, wherein the cash processing unit of the information processing device extracts, from the difference received by the first communication unit, a difference associated with withdrawal status information indicating that the withdrawal process has not started, and performs a withdrawal process of cash equivalent to the difference.

6. the first communication unit of the cash processing device transmits a withdrawal status update request to the control server after the withdrawal process is completed, the withdrawal status update request requesting an update of the withdrawal status information; 6. The cash handling system according to claim 5, wherein, upon receipt of the withdrawal status update request, the control server updates the withdrawal status information included in the management information, which includes the identification information and the difference, to transaction status information indicating that the withdrawal process has been completed.

7. The cash handling system according to any one of claims 1 to 6, further comprising an output terminal that outputs the identification information.

8. a communication unit that communicates with a cash processing device operated by a customer and an information processing device operated by an operator; a storage unit configured to store management information including identification information that identifies the customer and does not include account information of the customer, and a cash amount that is the amount of cash deposited in the cash processing device, when the identification information and the cash amount are received by the communication unit, the identification information being read from a medium in the cash processing device and not including account information of the customer; Equipped with When the communication unit receives identification information read from a medium in the information processing device, the communication unit transmits the cash amount associated with the identification information in the memory unit to the information processing device.

9. Computer, a communication unit that communicates with a cash processing device operated by a customer and an information processing device operated by an operator; a storage unit configured to store management information including identification information that identifies the customer and does not include account information of the customer, and a cash amount that is the amount of cash deposited in the cash processing device, when the identification information and the cash amount are received by the communication unit, the identification information being read from a medium in the cash processing device and not including account information of the customer; Equipped with A program for causing the communication unit to function as a control server that, when identification information read from a medium in the information processing device is received by the communication unit, transmits the cash amount associated with the identification information in the memory unit to the information processing device.

10. communicating with a cash processing device operated by a customer and an information processing device operated by an operator; When identification information that identifies the customer and does not include account information of the customer and a cash amount that is the amount of cash deposited in the cash processing device are received, the identification information being read from a medium in the cash processing device, storing management information including the identification information and the cash amount; When the information processing device receives the identification information read from the medium, the cash amount stored in association with the identification information is transmitted to the information processing device; A computer-implemented method comprising:

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