Intelligent Point of Cash management Device and ATM

Abstract

An intelligent automatic settlement device according to one aspect comprises: a POS system for managing the sales amount and quantity or price of goods within a retail store; an input / output unit into which the sales amount of goods within the retail store can be inserted; a identification unit for identifying banknotes inserted from the input / output unit; a retailer's cassette in which banknotes representing the sales amount of the goods or banknotes inserted by the retailer are stored after passing through the identification unit; and a financial institution cassette in which banknotes transferred from the retailer's cassette are stored after a deposit transaction with a financial institution proceeds normally.

Description

Technology Field

[0001] This specification relates to an intelligent automatic settlement device. Background Technology

[0002] Regarding business activities in which goods or services are exchanged at a retail store, product inventory and cash receipts and disbursements are managed through POS (Point of Sales) devices, etc., and sales proceeds are received and settled.

[0003] In conventional retail stores, cash is stored in separate POS machines, cash registers, safes, etc., and the ownership of the cash belongs to the store owner.

[0004] Settlement is performed after business hours or on a specific day following the event, and the retailer takes the settled cash directly to a nearby bank or ATM to deposit it into their bank account. Alternatively, a separate cash transport company may transport the cash to the bank on their behalf, which may incur time and costs.

[0005] In the prior art Japanese Patent Publication No. JP 2018-151809, a currency processing system is disclosed comprising: a change machine capable of depositing cash received from a customer at a store and withdrawing change to be returned to the customer; an automatic cash dispenser capable of depositing into and withdrawing from an account by a customer at the store; and a receiving cassette capable of receiving and withdrawing banknotes, wherein the receiving cassette is detachable from the change machine and simultaneously detachable from the automatic cash dispenser.

[0006] In the case of prior art, the use of a common storage cassette is disclosed to facilitate the smooth transfer of cash by the retailer in the store; however, even in this case, the retailer faces the inconvenience of having to detach the storage cassette from the change machine and then install it into the automatic cash pre-prep machine, and there is a problem of vulnerability to security issues. The problem to be solved

[0007] The present embodiment provides an intelligent automatic settlement device that changes ownership of cash or manages cash within the device in real time without moving cash outside the device between a bank or VAN and a retailer.

[0008] This embodiment provides an intelligent automatic settlement device that allows individuals to deposit cash into a bank or withdraw cash through a settlement device within a retail store without visiting a bank. means of solving the problem

[0009] An intelligent automatic settlement device according to one aspect comprises: a POS system for managing the sales amount and quantity or price of goods within a retail store; an input / output unit into which the sales amount of goods within the retail store can be inserted; a identification unit for identifying banknotes inserted from the input / output unit; a retailer's cassette in which banknotes representing the sales amount of the goods or banknotes inserted by the retailer are stored after passing through the identification unit; and a financial institution cassette in which banknotes transferred from the retailer's cassette are stored after a deposit transaction with a financial institution proceeds normally.

[0010] The banknotes withdrawn from the above retailer's cassette can be transferred to the above financial institution's cassette after passing through the above identification unit.

[0011] When a banknote is inserted into the deposit / withdrawal unit to deposit a banknote into an account of the financial institution, the inserted banknote passes through the identification unit and is then transferred to the financial institution's cassette, thereby completing the user's deposit transaction.

[0012] In order for a retailer to withdraw banknotes from an account of the financial institution, a withdrawal processing command is entered, and if the withdrawal transaction with the financial institution proceeds normally, banknotes of the requested withdrawal amount are withdrawn from the financial institution's cassette, and the withdrawn banknotes can be transferred to the retailer's cassette after passing through the identification unit.

[0013] In order for a user to withdraw banknotes from an account at the financial institution, the user inputs a withdrawal processing command, and if the withdrawal transaction with the financial institution proceeds normally, banknotes of the requested withdrawal amount are withdrawn from the financial institution's cassette, and the withdrawn banknotes can be transferred to the input / output unit after passing through the identification unit.

[0014] When a user inserts banknotes into the deposit / withdrawal port to deposit banknotes into an account of the financial institution, but the financial institution's cassette is full and further insertion of banknotes is impossible, the inserted banknotes are transferred to the retailer's cassette after passing through the identification unit, and information that the amount deposited by the user during the deposit transaction process is stored in the retailer's cassette can be transmitted to the financial institution's server.

[0015] If space is created in the financial institution cassette for storing an amount deposited by the user, the amount can be transferred from the retailer's cassette to the financial institution cassette.

[0016] Alternatively, during the subsequent deposit transaction process of the retailer, an amount of banknotes equivalent to that amount may be additionally transferred from the retailer's cassette to the financial institution's cassette.

[0017] If a user enters a withdrawal processing command to withdraw banknotes from an account at the aforementioned financial institution, but banknotes are not present in the financial institution's cassette or an amount less than the requested withdrawal amount is stored therein, and the withdrawal transaction with the financial institution proceeds normally, banknotes equal to the requested withdrawal amount may be withdrawn from the retailer's cassette. Alternatively, the entire amount stored in the financial institution's cassette may be withdrawn, and banknotes equal to the difference between the requested withdrawal amount and the amount withdrawn from the financial institution's cassette may be withdrawn from the retailer's cassette and transferred to the deposit / withdrawal unit. During the withdrawal transaction process, information indicating that banknotes stored in the retailer's cassette have been withdrawn may be transmitted to the financial institution's server.

[0018] In the process of the withdrawal transaction, a transfer is performed for the amount withdrawn from the financial institution to the retailer's account, or, subsequently, in the process of the deposit transaction, if a user requests a deposit of an amount greater than the amount withdrawn from the retailer's cassette, the banknotes for the difference may be transferred to the retailer's cassette, or, subsequently, in the process of the deposit transaction, if the retailer requests a deposit of an amount greater than the amount withdrawn from the retailer's cassette, the banknotes for the amount excluding the difference may be transferred from the retailer's cassette to the financial institution's cassette.

[0019] The financial institution cassette and the retailer cassette may be placed within a single safe, or the retailer cassette may be placed in a safe inside a settlement machine, and the financial institution cassette may be placed in a separate module outside the settlement machine, and the financial institution cassette and the retailer cassette may be connected so that the medium can be transferred. Effects of the invention

[0020] According to the proposed embodiment, there is an advantage in that the ownership of cash between a bank or VAN and a retailer can be changed or cash managed in real time within the machine without moving cash outside the machine. Therefore, since there is no need to use a separate cash transfer company, there is an advantage in reducing costs.

[0021] In addition, since users can deposit cash into their bank accounts through automated settlement machines located at retail stores, the inconvenience of having to visit a bank is eliminated for users, and from the perspective of retail store owners, there is the advantage of increased foot traffic as the number of visits by users utilizing these settlement machines increases.

[0022] In addition, in accordance with the contract with the bank, the retailer may receive management fees, etc., for managing the bank cassettes.

[0023] In addition, for financial institutions, it is possible to achieve the same effect as having a branch in a retail store without establishing a separate branch, and there is the advantage of not having to install a separate ATM (automated teller machine). Brief explanation of the drawing

[0024] FIG. 1 is a schematic diagram showing an intelligent automatic settlement device according to one embodiment of the present invention. FIG. 2 is a flowchart illustrating the deposit transaction process in an automatic settlement device according to one embodiment of the present invention. Figure 3 is a diagram showing the transfer of media between cassettes during a deposit transaction. FIG. 4 is a diagram showing the transfer of media between cassettes during a deposit transaction process according to another embodiment of the present invention. FIG. 5 is a diagram showing the process of a user depositing cash into an automatic settlement machine according to an embodiment of the present invention. FIG. 6 is a diagram showing the transfer of media between cassettes during a withdrawal transaction. FIG. 7 is a diagram showing the transfer of media between cassettes during a withdrawal transaction process according to another embodiment of the present invention. FIG. 8 is a diagram showing the process of a user withdrawing cash from an automatic settlement machine according to an embodiment of the present invention. FIG. 9 is a diagram schematically showing the automatic settlement device of a retailer and the settlement process of an agency according to another aspect. Specific details for implementing the invention

[0025] Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that in assigning reference numerals to the components of each drawing, the same components are given the same reference numeral whenever possible, even if they are shown in different drawings. Furthermore, in describing the embodiments of the present invention, if it is determined that a detailed description of related known components or functions would hinder understanding of the embodiments of the present invention, such detailed description is omitted.

[0026] In addition, terms such as first, second, A, B, (a), (b), etc., may be used when describing the components of the embodiments of the present invention. These terms are intended only to distinguish the components from other components, and the essence, order, or sequence of the components is not limited by the terms. Where it is stated that a component is "connected," "combined," or "connected" to another component, it should be understood that the component may be directly connected or connected to the other component, but that another component may also be "connected," "combined," or "connected" between each component.

[0027] FIG. 1 is a schematic diagram showing an intelligent automatic settlement device according to one embodiment of the present invention.

[0028] Referring to FIG. 1, the intelligent automatic settlement device (1) (hereinafter referred to as the “automatic settlement device”) of the present embodiment can be installed in a retail store or various locations to purchase goods, store cash, or handle banking transactions.

[0029] In the present specification, the retailer is the owner of a retail store where an automatic settlement device (1) is installed, and may be the owner and manager of the automatic settlement device (1).

[0030] The user may be a person who purchases goods or performs financial processing using the above automatic settlement device (1).

[0031] The retailer can deposit the proceeds from the sale of goods, etc., into the above automatic settlement device (1).

[0032] The above automatic settlement device (1) includes a POS system (Point of sales system). That is, the above automatic settlement device (1) can manage the quantity, price, sales amount, etc. of goods in a retail store.

[0033] The above automatic settlement device (1) may include a casing that forms the exterior. At this time, a POS system may be provided in the above automatic settlement device (1) or connected to communicate externally.

[0034] In the following description, the above POS system is described as being equipped in the above automatic settlement device (1).

[0035] The above automatic settlement device (1) can communicate with a server of a financial institution, such as a bank, to perform various financial tasks, such as deposit processing or withdrawal processing with the financial institution.

[0036] The above automatic settlement device (1) may include a media input / output unit (10) for inserting or withdrawing media.

[0037] In the following, the medium is described as cash including banknotes and coins as an example; however, it should be noted that the medium in the present invention is not limited to cash, and various types of media such as gift certificates and securities may be used.

[0038] The above-mentioned media input / output unit (10) may include a banknote input / output unit and a coin input / output unit.

[0039] The above-mentioned media input / output unit (10) may receive banknotes when purchasing goods or withdraw banknotes when returning goods, or receive cash for a deposit transaction or withdraw cash for a withdrawal transaction.

[0040] The above-mentioned media input / output section (10) may include a separate input section and an output section, or allow for the input and output of banknotes in a single space.

[0041] The above automatic settlement device (1) may further include an identification unit (20). The identification unit (20) can identify the type of media or determine defective media when receiving or withdrawing media.

[0042] A banknote inserted through the above-mentioned media input / output unit (10) or a banknote withdrawn through the above-mentioned media input / output unit (10) can pass through the above-mentioned identification unit (20).

[0043] The above automatic settlement device (1) may further include a medium storage unit (40) for storing banknotes. Of course, the above automatic settlement device (1) may further include a coin storage unit for storing coins.

[0044] The above media storage unit (40) can be located inside the casing.

[0045] The above-mentioned media storage unit (40) may include a plurality of cassettes (41 to 43). Banknotes may be stored separately by denomination in each of the plurality of cassettes. Alternatively, it is also possible to store banknotes of multiple denominations in a single cassette.

[0046] Although not shown, the automatic settlement device (1) may be equipped with a safe, and the plurality of cassettes (41, 42, 43) may be accommodated within the safe. Therefore, only those with access rights to the safe can access the safe and open the safe.

[0047] In the present invention, the ownership of the plurality of cassettes may be distinguished. For example, the first cassette (41) and the second cassette (42) may be owned by the owner (retailer) of the automatic settlement device (1). On the other hand, the third cassette (43) may be owned by a financial institution operating a server capable of communicating with the automatic settlement device (1).

[0048] Accordingly, the first cassette (41) and the second cassette (42) can be named the retailer's cassette, and the third cassette (43) can be named the financial institution's cassette.

[0049] That is, a cassette managed by the financial institution may be provided within the automatic settlement machine (1) installed at a location other than a financial institution. In this way, when the ownership of multiple cassettes is distinguished, users or retail store owners can perform financial processing, such as deposits or withdrawals, at the automatic settlement machine (1) without visiting a bank. Of course, although the financial institution cassette serves to store cash owned by the financial institution, access rights may actually be granted not only to the manager of the financial institution but also to the retail store owner.

[0050] The above automatic settlement device (1) may further include a user interface (11). The user interface (11) may receive a deposit or withdrawal command from a user or a retailer, or display information to the user or a retailer. Accordingly, the user interface (11) may include an input section and / or a display section. Additionally, the user interface (11) may constitute part of the POS system.

[0051] The above automatic settlement device (1) may further include a card reader (13) and a receipt printer (14). The card reader (13) and the receipt printer (14) may also constitute part of the POS system.

[0052] You can purchase goods by inserting a card into the card reader (13). Alternatively, you can process financial transactions by inserting a card into the card reader (13).

[0053] The above automatic settlement device (1) may further include a control unit (30) that performs various controls of the above automatic settlement device (1) and a memory (32) that stores information. The above control unit (30) may communicate with the server through a communication unit not shown to transmit and receive a message containing information related to financial business.

[0054] FIG. 2 is a flowchart for explaining the deposit process in an automatic settlement machine according to one embodiment of the present invention, and FIG. 3 is a diagram showing the transfer of media between cassettes during the deposit transaction process.

[0055] Referring to FIGS. 2 and 3, banknotes received as payment for goods from the automatic settlement device (1) or banknotes held by the retailer are stored in the retailer's cassette (41, 42).

[0056] Alternatively, before starting business, the retailer may insert banknotes into the medium input / output unit (10) to prepare for business, and then the inserted banknotes may be transferred to the retailer cassette (41, 42).

[0057] The retailer may settle the daily settlement amount or a specific amount of the store at the end of business hours or at a specific time. In this embodiment, settlement is described as a concept that includes the deposit transaction process with a financial institution, and below, the deposit transaction process of transferring banknotes from the retailer's cassette (41, 42) to the financial institution's cassette (43) will be described.

[0058] A settlement processing request command can be entered using a user interface (12) or a separate terminal (S1).

[0059] When the above automatic settlement device (1) receives a settlement processing request command, it determines the cash balance status and settlement request information within the device and performs preparatory work such as device operation (S2).

[0060] For example, settlement request information may include the amount to be deposited. If the retailer's cassette is stored with denominations separated, the number of copies of each denomination can be determined. If the retailer's cassette is not stored with denominations separated, information on the denominations of the banknotes stacked from top to bottom can be identified, for example.

[0061] The retailer can determine the amount to deposit into the bank based on the balance currently stored in the retailer's cassette. Depending on the denomination, the depositable amount may vary.

[0062] For deposit processing, the automatic settlement device (1) encrypts the device information (or customer information) and the medium (cash, gift certificate, securities, etc.) information recorded in the device's memory and transmits them as packets to the financial institution's server (S3).

[0063] The server of the financial institution that receives the deposit information (S4) processes the settlement request after being connected to the external network and internal network (S5, S6), and requests verification of whether the amount is correct again from the automatic settlement device (1) (S7).

[0064] The automatic settlement device (1) that receives the verification request performs a cash verification and verification procedure (S8, S9, S10).

[0065] However, it should be noted that the steps performed by the financial institution in the present invention are merely exemplary and may be replaced or modified with various steps.

[0066] First, banknotes are picked up one by one from the retailer's cassette (41, 42). The picked-up banknotes pass through the identification unit (20). The identification unit (20) can recognize the denomination and quantity of the banknotes passing through. The banknotes that have passed through the identification unit (20) can be transferred to the financial institution cassette (43).

[0067] After the banknotes are transferred to the financial institution cassette (43), the automatic settlement device (1) can request settlement by transmitting completion information to the financial institution's server (S11).

[0068] Of course, depending on the request situation, the verification request procedure may be excluded. Alternatively, the automatic settlement device (1) that receives the verification request may recognize the cash information and memory of the cassette as is, and then request settlement while transmitting it to the server of the financial institution.

[0069] In accordance with the settlement request, the financial institution records the corresponding amount in the customer's account (S12), processes the deposit as complete (S13), and transmits the deposit completion information to the automatic settlement device (1) (S14). Then, the automatic settlement device (1) also reflects the deposit completion information in memory and processes the corresponding amount as having been deposited. For example, in the case of the automatic settlement device (1), it may be recorded that banknotes equivalent to the deposit amount from the retailer's cassette (41, 42) to the financial institution have been withdrawn.

[0070] According to the present embodiment, since a retailer can deposit cash into a financial institution's account without visiting the financial institution, the convenience of the retailer can be improved, and there is an advantage of reducing the time or cost of having to carry cash directly to the financial institution. Additionally, since there is no process of transporting cash, there is an advantage of improved safety in the cash deposit process.

[0071] FIG. 4 is a diagram showing the transfer of media between cassettes during a deposit transaction process according to another embodiment of the present invention.

[0072] In the case of this embodiment, an additional module (100) may be connected to the automatic settlement device (1). The additional module (100) may be a module that accommodates a cassette (110) owned by a financial institution or a safe.

[0073] The above additional module (100) and the above automatic settlement device (1) can be connected to enable the transfer of media.

[0074] Accordingly, only the retailer cassette (41, 42, 44) is provided inside the automatic settlement device (1), and the financial institution cassette (110) may be provided independently within the additional module (100). At this time, the additional module (100) may be connected to the outside of the automatic settlement device (1) or may exist as a safe separate from the media storage unit (20) within the automatic settlement device (1).

[0075] In the case of this embodiment, during the deposit transaction process, banknotes from the retailer's cassette can be transferred to the financial institution's cassette (110) after passing through the identification unit.

[0076] FIG. 5 is a diagram showing the process of a user depositing cash into an automatic settlement machine according to one embodiment of the present invention.

[0077] Referring to Fig. 5, the user can also make a deposit into a financial institution's account separately from the purchase of goods at a retail store without visiting the financial institution.

[0078] For example, the user can input a deposit processing command using the user interface (12).

[0079] When a deposit processing command is entered, the above-mentioned media input / output unit (10) is opened, and the user can insert the amount to be deposited into the above-mentioned media input / output unit (10).

[0080] A banknote (a check may also be inserted into the media input / output unit (10)) can pass through the identification unit (20). The banknote that passes through the identification unit (20) may be temporarily accumulated in an unillustrated temporary accumulation unit or temporarily accumulated in the media input / output unit (10). As it passes through the identification unit (20), the denomination and quantity of the banknote are determined, and information regarding the amount to be deposited can be displayed on the user interface (12).

[0081] The user can check the information displayed on the user interface (12) and enter a deposit command. Then, the relevant deposit information is transmitted to the server of the financial institution, and when the deposit completion information is received from the financial institution, the deposit completion information can be displayed on the user interface (12).

[0082] The temporarily accumulated medium can be transferred to and stored in the financial institution cassette (43).

[0083] As shown in this embodiment, since users can deposit cash into a financial institution account through an automated settlement machine located at a retail store, the inconvenience of having to visit a financial institution is eliminated for users, and from the perspective of the retail store owner, the frequency of visits by users to use the automated settlement machine increases, which has the advantage of increasing foot traffic at the retail store.

[0084] In addition, depending on the contract with the financial institution, the retailer can receive management fees for managing the financial institution's cassettes, and the financial institution can achieve the same effect as having a branch at the retail store without establishing a separate branch, and has the advantage of not having to install a separate ATM (automated teller machine).

[0085] Meanwhile, when the financial institution cassette (43) is full and no more media can be inserted, a deposit transaction to the financial institution is also possible.

[0086] In the case where the financial institution cassette is full and no more banknotes can be inserted, the banknotes inserted into the media input / output unit (10) may be stored in the retailer's cassette (41, 42) after passing through the identification unit (20). In this case, information that the amount deposited by the user during the deposit transaction process has been stored in the retailer's cassette (41, 42) may be transmitted to the financial institution's server.

[0087] Even if the banknotes deposited by the user are stored in the above retailer's cassette (41, 42), the user's deposit transaction can be completed normally.

[0088] Later, if space is created in the financial institution cassette (43) for storing the amount deposited by the user, the amount may be transferred from the retailer cassette (41, 42) to the financial institution cassette (43), or during the settlement process (the retailer's deposit transaction process), in addition to the amount for the deposit transaction, banknotes of the amount deposited by the user may be additionally transferred from the retailer cassette (41, 42) to the financial institution cassette (43).

[0089] FIG. 6 is a diagram showing the transfer of media between cassettes during a withdrawal transaction process according to one embodiment of the present invention.

[0090] Referring to FIG. 6, a retailer can perform a withdrawal transaction at an automatic settlement device (1). The withdrawal transaction process can be performed in the same or similar manner as the deposit transaction process described in FIG. 3. That is, the withdrawal transaction can proceed while the automatic settlement device (1) communicates with the server of a financial institution.

[0091] For example, a settlement processing request command for withdrawal can be entered using the user interface (12). When the automatic settlement device (1) receives the settlement processing request command, it can determine the cash balance status and settlement request information within the device and perform preparatory work such as device operation.

[0092] For example, the settlement request information may include the amount to be withdrawn. If the financial institution cassette (43) stores banknotes separated by denomination, the number of banknotes for each denomination can be determined. If the financial institution cassette (43) does not store banknotes separated by denomination, for example, the denomination information of the banknotes stacked from the top to the bottom can be identified.

[0093] The retailer can determine the amount to be withdrawn from the financial institution based on the amount currently stored in the financial institution cassette (43). Depending on the amount of each denomination, the amount that can be withdrawn may vary.

[0094] For withdrawal transactions, the automatic settlement device (1) can encrypt the device information (or customer information) and the media information (cash, gift certificate, securities, etc.) recorded in the device's memory and transmit them as packets to the financial institution's server.

[0095] The server of the financial institution that receives the withdrawal information processes the settlement request after being connected to the external network and the internal network, and may request the automatic settlement device (1) to verify whether the amount is correct. The automatic settlement device (1) that receives the verification request can perform cash verification and verification procedures.

[0096] First, banknotes are picked up one by one from the financial institution cassette (43). The picked-up banknotes pass through the identification unit (20). The identification unit (20) can recognize the denomination and quantity of the banknotes passing through. The banknotes that have passed through the identification unit (20) can be transferred to the retailer cassette (41, 42).

[0097] After the cash is transferred to the retailer's cassette (41, 42), the automatic settlement device (1) can request settlement by transmitting completion information to the server of the financial institution.

[0098] FIG. 7 is a diagram showing the transfer of media between cassettes during a withdrawal transaction process according to another embodiment of the present invention.

[0099] An additional module (100) can be connected to an automatic settlement device (1) with the same structure as in FIG. 4. The additional module (100) may be a module that accommodates a financial institution cassette (110) or a safe.

[0100] The above additional module (100) and the above automatic settlement device (1) can be connected to enable the transfer of media.

[0101] Accordingly, only the retailer cassette (41, 42, 44) is provided inside the automatic settlement device (1), and the financial institution cassette (110) may be provided independently within the additional module (100). At this time, the additional module (100) may be connected to the outside of the automatic settlement device (1) or may exist as a safe separate from the media storage unit (20) within the automatic settlement device (1).

[0102] In the case of this embodiment, during the withdrawal transaction process, cash from the financial institution cassette (110) can be transferred to the retail store owner cassette (41, 42, 43) after passing through the identification unit.

[0103] FIG. 8 is a diagram showing the process of a user withdrawing cash from an automatic settlement machine according to one embodiment of the present invention.

[0104] Referring to Fig. 8, the user can also withdraw from the financial institution's account separately from the purchase of goods at a retail store without visiting the financial institution.

[0105] For example, the user can input a withdrawal processing command using the user interface (12).

[0106] Then, the relevant withdrawal information is transmitted to the server of the financial institution, and withdrawal completion information can be received from the bank. Additionally, after the requested withdrawal amount is withdrawn from the financial institution cassette (43), it can pass through the identification unit (20) and be transferred to the media input / output unit (10).

[0107] In the above user interface (12), withdrawal completion information may be displayed, and the above media input / output unit (10) may be opened.

[0108] As in this embodiment, the user has the advantage of being able to withdraw cash from a bank account through an automated settlement machine located at a retail store.

[0109] Meanwhile, withdrawal transactions from a financial institution are also possible even when there is no cash in the financial institution's cassette.

[0110] If the financial institution cassette is empty or contains an amount less than the requested withdrawal amount, and if there is a medium in the retailer's cassette (41, 42), the medium may be withdrawn from the retailer's cassette (41, 42) by the amount requested for withdrawal or the difference between the requested withdrawal amount and the amount that can actually be withdrawn from the financial institution cassette. At this time, information that banknotes stored in the retailer's cassette (41, 42) have been withdrawn during the withdrawal transaction process may be transmitted to the financial institution's server.

[0111] Later, during the deposit transaction process, if a user requests a deposit of an amount greater than the amount withdrawn from the retailer's cassette (41, 42), the banknotes of that amount may be transferred to the retailer's cassette instead of the financial institution's cassette (43) during the deposit transaction process.

[0112] Alternatively, later, during a deposit transaction, if a deposit request is made by a retailer for an amount greater than the amount withdrawn from the retailer's cassette (41, 42), the amount excluding the difference may be transferred from the retailer's cassette (41, 42) to the financial institution's cassette (43).

[0113] Alternatively, if information is transmitted to the financial institution's server that cash stored in the retailer's cassette (41, 42) has been withdrawn, the financial institution may transfer or deposit the amount withdrawn into the retailer's account during the withdrawal transaction process.

[0114] Figure 9 is a diagram schematically showing the automatic settlement device of a retailer and the settlement process of an agency according to another aspect.

[0115] Referring to Fig. 9, even if the automatic settlement device does not directly communicate with the bank's server, it can perform deposit processing by communicating for settlement between a separate agency's terminal and the automatic settlement device.

[0116] For example, an agency can collect cash from the retailer's cassette and perform settlement simultaneously. Afterward, the agency can visit a financial institution to deliver the cash and process the deposit into the retailer's account.

Claims

Claim 1 A POS system for managing the sales amount and quantity or price of goods within a retail store; an input / output unit into which the sales amount of goods within the retail store can be inserted; a identification unit for identifying banknotes inserted from the input / output unit; and a retailer's cassette for storing banknotes representing the sales amount of the goods or banknotes inserted by the retailer that have passed through the identification unit....and includes a financial institution cassette in which banknotes transferred from the aforementioned retailer cassette are stored, as a deposit transaction with a financial institution proceeds normally. If a user inputs a withdrawal processing command to withdraw banknotes from an account at the aforementioned financial institution, but there are no banknotes in the financial institution cassette or the amount stored is less than the requested withdrawal amount, and if the withdrawal transaction with the financial institution proceeds normally, banknotes equal to the requested withdrawal amount are withdrawn from the retailer cassette and transferred to the deposit / withdrawal unit to provide to the user, or the entire amount stored in the financial institution cassette is withdrawn, and banknotes equal to the difference between the requested withdrawal amount and the amount withdrawn from the financial institution cassette are withdrawn from the retailer cassette and transferred to the deposit / withdrawal unit to provide to the user. Information that banknotes stored in the retailer cassette have been withdrawn during the withdrawal transaction process is transmitted to the financial institution's server. Subsequently, during a deposit transaction process, if a user requests a deposit of an amount greater than the amount withdrawn from the retailer cassette, the banknotes for the difference are transferred to the retailer cassette. An intelligent automatic settlement device in which, when a user inserts banknotes into the deposit / withdrawal port to deposit banknotes into an account of the financial institution, but the financial institution cassette is full and further insertion of banknotes is impossible, the inserted banknotes are transferred to the retailer cassette after passing through the identification unit, information is transmitted to the financial institution's server that the amount deposited by the user during the deposit transaction process is stored in the retailer cassette, and subsequently, during the retailer's deposit transaction process, banknotes of that amount are additionally transferred from the retailer cassette to the financial institution cassette, the retailer cassette is placed in a safe inside the settlement device, the financial institution cassette is placed in a separate module outside the settlement device, and the financial institution cassette and the retailer cassette are connected to allow media transfer. Claim 2 An intelligent automatic settlement machine according to claim 1, wherein banknotes withdrawn from the retailer's cassette are transferred to the financial institution's cassette after passing through the identification unit. Claim 3 An intelligent automatic settlement device according to claim 1, wherein when a banknote is inserted into the deposit / withdrawal port for a user to deposit a banknote into an account of the financial institution, the inserted banknote passes through the identification port and is then transferred to the financial institution cassette to complete the user's deposit transaction. Claim 4 An intelligent automatic settlement device according to claim 1, wherein, in order for a retailer to withdraw banknotes from an account of the financial institution, a withdrawal processing command is entered, and when the withdrawal transaction with the financial institution proceeds normally, banknotes of the requested withdrawal amount are withdrawn from the financial institution cassette, and the withdrawn banknotes are transferred to the retailer's cassette after passing through the identification unit. Claim 5 An intelligent automatic settlement device according to claim 1, wherein, in order for a user to withdraw banknotes from an account of the financial institution, a withdrawal processing command is entered, and when the withdrawal transaction with the financial institution proceeds normally, banknotes of the requested withdrawal amount are withdrawn from the financial institution cassette, and the withdrawn banknotes are transferred to the input / output unit after passing through the identification unit. Claim 6 delete Claim 7 delete Claim 8 delete Claim 9 delete Claim 10 delete

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