KR20130138510A - An apparatus for receving and dispensing banknotes/checks in atm and the operating method thereof - Google Patents

Abstract

The present invention relates to a check / bank deposit and withdrawal device and its operating method of a reflux type automated teller machine, and more particularly, in the configuration of a deposit and withdrawal device provided in a reflux type automated teller machine, a check and bills can be mixed And a media discrimination unit configured to discriminate checks and bills at the same time on a conveyance path through which the deposited checks and bills are conveyed, even when a customer deposits checks and bills mixedly through the deposit and withdrawal unit, Checks and bills mixed and deposited are discriminated through the media discrimination unit, and the checked checks and bills are stored in the temporary storage unit, and when a deposit transaction is confirmed by the customer, the checks and bills mixed and stored in the temporary storage unit are returned to the return path. In the process of return along the re-identification by the media discrimination unit, the check is stored in the check cassette, the bill is placed in the bill cassette It is configured so that the check and bills can be effectively processed, and check / bank deposits and withdrawals of reflowable automated teller machines can be used to deposit or withdraw checks and bills at the same time through a single deposit and withdrawal unit. An apparatus and a method of operating the same.
To this end, the present invention provides a check / banknote deposit and withdrawal apparatus for a refundable type automated teller machine for depositing and withdrawing banknotes and checks, comprising: a deposit and withdrawal unit for receiving a bill to be deposited and / or a check; A medium discriminating unit for reading and discriminating images of the inputted bill and / or check; A temporary storage unit for temporarily storing the deposited bank notes and / or checks until the transaction is established; A check cassette for storing a check; A plurality of bill cassettes for storing bills for each kind; A reject box for collecting check or banknotes or checkable banknotes among check and banknotes discharged from the check cassette and the banknote cassette; It is characterized in that it is configured to include; a conveyance path for returning the bank notes and checks to be deposited or withdrawn along a predetermined path.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and a method for checking /

The present invention relates to a check / bank deposit and withdrawal device and its operating method of a reflux type automated teller machine, and more particularly, in the configuration of a deposit and withdrawal device provided in a reflux type automated teller machine, a check and bills can be mixed And a media discrimination unit configured to discriminate checks and bills at the same time on a conveyance path through which the deposited checks and bills are conveyed, even when a customer deposits checks and bills mixedly through the deposit and withdrawal unit, Checks and bills mixed and deposited are discriminated through the media discrimination unit, and the checked checks and bills are stored in the temporary storage unit, and when a deposit transaction is confirmed by the customer, the checks and bills mixed and stored in the temporary storage unit are returned to the return path. In the process of return along the re-identification by the media discrimination unit, the check is stored in the check cassette, the bill is placed in the bill cassette It is configured so that the check and bills can be effectively processed, and check / bank deposits and withdrawals of reflowable automated teller machines can be used to deposit or withdraw checks and bills at the same time through a single deposit and withdrawal unit. An apparatus and a method of operating the same.

In general, automated teller machines (ATMs) are automated devices that can assist basic financial services, such as deposits or withdrawals, without the need for a bank employee. It is designed to automatically withdraw checks and cash or to make transactions such as bank accounts using media such as bank accounts.

Such automatic teller machines can be extended even after the closing of the bank window, and also installed in stores such as department stores and supermarkets can be operated unattended, and the number of installations thereof is increasing.

Moreover, in recent years, in addition to the automatic teller machine that processes the receipt and withdrawal of banknotes, the automatic teller machine that can process the deposit and withdrawal of bills and checks has been introduced, thereby increasing the convenience of customers' financial transactions.

The above-mentioned financial automation equipment includes a passbook processing unit and a card / specification sheet processing unit and supports financial transactions using a passbook or a card as a medium, and includes an input / output unit for displaying and inputting contents of a transaction, Deposit and withdrawal apparatus.

Here, the depositing and dispensing apparatus is a core component of a financial automation apparatus that requires a high-level discrimination recognition and processing technique for discriminating and storing a check mechanism and a banknote, and a check mechanism for conveying a check and a banknote.

1 is a view showing a banking automation apparatus according to the related art and a deposit and withdrawal apparatus provided therein.

As shown in FIG. 1, the automatic teller machine according to the prior art is provided with a check deposit and withdrawal unit 11 for inserting a check and a banknote withdrawal and withdrawal unit 21 for inserting a bill, respectively, to return the check. And a bill conveyance path for conveying bills are provided separately, and accordingly, a deposit and withdrawal device having a storage cassette is divided into a check and withdrawal device 10 for checks and a withdrawal and withdrawal device 20 for bills.

Therefore, when a customer using the automated teller machine deposits checks and bills at the same time, checks are put through the check deposit and withdrawal unit 11, and the bills are cumbersome since the input should be made through the check and withdrawal unit 21. Since a conveyance path for carrying a check and a conveyance path for carrying a bill are separately provided, manufacturing costs of the automated teller machine are increased and the size of the automated teller machine is increased.

The present invention has been made to solve the above problems, in the configuration of the withdrawal device provided in the reflux-type automated teller machine, provided with a deposit and withdrawal unit that can be mixed checks and bills, deposited checks and bills Is provided with a media discrimination unit configured to discriminate checks and bills at the same time on the conveyance path to which the checks are returned. When the checks and bills that are discriminated through the checks and bills are stored in the temporary storage unit, and the deposit transaction is confirmed by the customer, the media discriminating unit in the process of returning the checks and bills mixed and stored in the temporary storage unit along the return path is carried out. The check is re-identified and the check is stored in the check cassette, and the bill is configured to be stored in the bill cassette. It is possible to effectively proceed with the check, withdrawal and withdrawal of checks and bills at the same time through a single deposit and withdrawal unit to provide a check / bank deposit and withdrawal device and operation method of a reflux-type automated teller machine that can improve the user's convenience. There is a purpose.

According to an aspect of the present invention, there is provided a check / banknote deposit / withdrawal apparatus for a check / banknote deposit / withdrawal apparatus of a refundable type automatic teller machine for depositing / withdrawing banknotes and checks, wherein the banknote to be deposited and / A deposit and withdrawal portion for discharging; A medium discriminating unit for reading and discriminating images of the inputted bill and / or check; A temporary storage unit for temporarily storing the deposited bank notes and / or checks until the transaction is established; A check cassette for storing a check; A plurality of bill cassettes for storing bills for each kind; A reject box for collecting check or banknotes or checkable banknotes among check and banknotes discharged from the check cassette and the banknote cassette; It is characterized in that it is configured to include; a conveyance path for returning the bank notes and checks to be deposited or withdrawn along a predetermined path.

As described above, the present invention can deposit or withdraw checks and bills at the same time through one deposit and withdrawal unit, thereby simplifying the internal structure of the automatic teller machine, and improving the convenience of use of the customer.

In addition, provided with a medium discrimination unit configured to discriminate checks and bills at the same time on the conveyance path to which checks and bills are conveyed, even when a customer deposits checks and bills mixedly through a deposit and withdrawal unit, When the banknotes are discriminated through the medium discrimination unit, the discriminated checks and banknotes are stored in the temporary storage unit, and when the deposit transaction is confirmed by the customer, the checks and the banknotes mixed and stored in the temporary storage unit are returned along the return path. The check is re-differentiated by the medium discriminating unit so that the check is stored in the check cassette and the bill is stored in the bill cassette, so that checks and bills through the automated teller machine can be effectively processed.

1 is a view showing a banking automation apparatus according to the related art and a deposit and withdrawal apparatus provided therein
2 is a view schematically showing the internal configuration of the check / bank deposit and withdrawal device of the reflux type automatic teller machine according to an embodiment of the present invention;
3 is a view showing the operating state at the time of the deposit count of the check / bank deposit and withdrawal device according to the present embodiment
4 and 5 is a view showing the operating state when returning the rejected check and bill of the check / bank deposit and withdrawal device according to this embodiment
6 is a view showing an operation state at the time of deposit receipt of the check / bank deposit and withdrawal device according to the present embodiment
7 is a view showing the operating state of the front and back of the check in the check / bank deposit and withdrawal device according to the present embodiment
8 and 9 are views showing the operating state during the withdrawal transaction of the check / bank deposit and withdrawal device according to the present embodiment

EMBODIMENT OF THE INVENTION Hereinafter, although the Example of this invention is described in detail, this invention is not limited to a following example, unless the summary is exceeded.

2 is a view schematically showing the internal configuration of the check / bank deposit and withdrawal device of the reflux type automatic teller machine according to an embodiment of the present invention.

Referring to Figure 2, the check / bank deposit and withdrawal device of the reflux-type automated teller machine according to an embodiment of the present invention receives the bank notes and / or checks to be deposited or the deposit and withdrawal unit 110 to discharge the withdrawn bills and / or checks ), A medium discrimination unit 120 for reading and discriminating an image of an input banknote and / or check, a temporary storage unit 130 for temporarily storing the deposited banknote and / or check until the transaction is established, and the check. A check cassette 140 for accommodating the plurality of bills, a plurality of bill cassettes 150 for storing bills for each kind, and checks or bills superimposed among the checks and bills discharged from the check cassette 140 and the bill cassette 150; It includes a reject box 160 for recovering severely damaged banknotes, and a conveying path 170 for transferring banknotes and checks to be deposited or withdrawn along a predetermined path.

In other words, the present invention as described above, in order to configure the deposit and withdrawal device of the reflux-type automated teller machine that can deposit or withdraw a check and a bill through a single deposit and withdrawal unit, the deposit and withdrawal unit that can deposit a check and bill mixed And a media discrimination unit configured to discriminate checks and bills at the same time on a conveyance path through which the deposited checks and bills are conveyed, even when a customer deposits checks and bills in a mixed manner through the deposit and withdrawal unit. Checks and bills are sorted through the media discrimination unit, and the checked checks and bills are stored in the temporary storage unit, and when a deposit transaction is confirmed by the customer, the checks and bills mixed and stored in the temporary storage unit are returned along the return path. In the process of being re-identified by the media discrimination unit, the check is stored in the check cassette and the bill is configured to be stored in the bill cassette. Has written, can proceed with the payment of processing checks and bills efficiently, through a withdrawal unit can be simultaneously deposit or withdrawal checks and bills to improve the ease of use of the customer.

Hereinafter, the configuration of the check / bank deposit and withdrawal device of the reflux-type automated teller machine according to an embodiment of the present invention in detail, the deposit and withdrawal unit 110 transfers the check and / or bills input by the customer to the conveying path 170 Export through, and withdraw the withdrawal check and / or withdrawal banknotes flowing through the return path (170) to provide to the customer.

The medium discriminating unit 120 is a device configured to discriminate a medium passing through the conveying path 170, that is, checks and bills, and includes sensors such as a length sensor, an image sensor, and two detecting units therein.

The medium discriminating unit 120 configured as described above determines whether two media (checks or bills) passing through the conveying path 170 are scanned, and scans and reads an image of the media, so that the conveyed medium is a check or bill. If the returned medium is a check, check information such as the unique number and amount information of the check read from the check is transmitted to the upper control unit (not shown). After discriminating the swelling and damage state, the result is transmitted to an upper controller (not shown).

Here, the upper control unit (not shown) determines whether the check is normal based on check information such as the unique number and the amount information of the check transmitted from the medium discriminating unit 120.

In discriminating a check and a banknote through the medium discrimination unit 120 configured as described above, it is possible to perform a sufficient discrimination even with a low resolution of about 30 dpi to 70 dpi in the case of a bill, but in the case of a check, The amount of money, and the like must be accurately read, so that a high resolution of about 100 dpi to 200 dpi is required. Accordingly, the medium discrimination unit 120 of the present embodiment is provided with an image sensor capable of simultaneously discriminating a check and a bill, Is scanned and read.

That is, the image sensor provided in the medium discrimination unit 120 according to the present embodiment includes a G (Green) sensor and an IR (infrared) sensor. In reading the image of the medium, (Infrared) transmission image and an IR (infrared) reflection image of 50 dpi. Thus, it is possible to accurately read image information of a check and a bill through a 100 dpi G (green) reflection image.

With such a configuration, a G (Green) reflection image read out at a resolution of 100 dpi is used to read an image of a check requiring a high resolution image of 100 dpi or more, and in the case of a bill, sufficient discrimination can be performed even at a low resolution of about 50 dpi A G (Green) reflection image read at a resolution of 100 dpi is converted to a resolution of 50 dpi, and is applied to distinguish paper currency with an IR (infrared) transmission image and an IR (infrared) reflection image at 50 dpi.

At this time, the discrimination processing speed of the medium discrimination unit 120 in the present embodiment is improved by the improvement of the specification of the image sensor provided in the medium discrimination unit 120 so that the checks and the banknotes are processed at 12 sheets per second, .

Meanwhile, the temporary storage unit 130 temporarily receives the checks and / or banknotes received by the media discrimination unit 120 until the deposit transaction is established. Here, the temporary storage unit 130 of the present embodiment is configured in a stacking manner in which checks and / or banknotes are stacked therein through a plurality of rollers and guides.

As in the present embodiment, when the temporary storage unit 130 is configured in a stacking manner, when the deposited check and / or banknote is stored and loaded and the deposit transaction is confirmed by the customer's consent, the internal Checks and / or bills are separated by a single unit through a plurality of rollers provided on the rollers and discharged to the conveying path 170.

In addition, as another embodiment, the temporary storage unit may also be configured in a drum manner in which checks and / or bills are wound on a drum. As such, when the temporary storage unit is configured in a drum manner, the checks and / or bills deposited are wound and received in the drums in order, and when the deposit transaction is established by the customer's consent, the checks and / or bills wound on the drums are deposited. In order to be discharged to the conveying path side.

Check cassette 140 is a storage space to store checks, print deposit confirmation information such as account information, branch information, and deposit date and time for the deposit check, withdrawal, such as account information, branch information and issuance date and time for the withdrawal check A check printing unit 141 for printing confirmation information, a check depositing unit 142 for storing a deposit check, and a check withdrawing unit 143 for storing a withdrawal check.

That is, the deposit check classified as a normal check through the discrimination of the medium discriminating unit 120 and the upper control unit (not shown) is printed after the check confirmation information is printed through the check printing unit 141 in the check receiving process. The check is stored in (142), and discharged from the check withdrawal unit 143 when the check is withdrawn, after the withdrawal confirmation information is printed through the check printing unit 141, through the medium discrimination unit 120 to the deposit and withdrawal unit 110 side. Exhausted.

The bill cassette 150 is a storage space for storing bills, and loads the deposited bills classified into normal bills according to the kind through the discrimination of the medium discriminating unit 120. The reflux function is performed by discharging to the deposit and withdrawal unit 110 through 120.

The reject box 160 accommodates checks and / or banknotes or severely damaged banknotes that are overlapped with two sheets of checks and bills discharged from the check cassette 140 and the bill cassette 150 in the process of withdrawing the checks and bills.

The conveyance path 170 extends while passing through the medium discrimination unit 120 from the deposit and withdrawal unit 110 and sequentially connected to the plurality of bill cassettes 150 and the check cassette 140 and arranged adjacent to each other. Branched at one point between the 140 and the reject box 160 is configured to be connected to the temporary storage unit (130).

In addition, the conveyance path 170 is branched at one point between the check cassette 140 and the reject box 160 and proceeds in a direction opposite to the temporary storage unit 130 to be connected to the reject box 160. A reject conveyance path 175 extending along a path is provided.

The reject conveying path 175 is a severely damaged banknote, two stacks of checks or banknotes, counterfeit bills, bills or checks through the medium discrimination unit 120 during the deposit process through the deposit and withdrawal unit 110, etc. In the process of withdrawing the discriminated reject ticket temporarily, and in the withdrawal process through the check cassette 140 or the bill cassette 150, the check box and / or the bill or the severely damaged bill are transferred to the reject box 160. Return.

Looking at the detailed configuration of such a conveying path 170, it proceeds from the deposit and withdrawal unit 110, and proceeds from the first conveying path 171 and the medium discriminating unit 120 connected to the medium discriminating unit 120, The temporary conveying unit 130 proceeds from the end of the second conveying path 172 sequentially connected to the bill cassette 150 and the check cassette 140 and the second conveying path 172 located on the check cassette 140 side. ) Is connected to the third conveying path 173, the fourth conveying path 174 connecting the first conveying path 171 and the third conveying path 173, and the second conveying path 172. It is configured to include a reject conveying path 175 extending from the end of the third conveyance path 173 is connected to the reject box 160 and forms a predetermined path.

Here, the first switching gate 181 is provided at the point where the third conveying path 173 and the fourth conveying path 174 are connected, and the second conveying path 172, the third conveying path 173, and the reclaiming path are provided. The second switching gate 182 is also provided at the point where the project conveying path 175 is interconnected.

The first and second switching gates 181 and 182 are configured to switch in two directions, and serve to switch the movement path of the medium.

Hereinafter, an operation process of the check / bank deposit and withdrawal device will be described based on the configuration of FIG. 2 described above.

3 is a view showing an operating state at the time of deposit counting check / bank deposit and withdrawal device according to the present embodiment.

As shown in FIG. 3, when a customer deposits checks and bills mixedly, the checks and bills put into the deposit and withdrawal unit 110 by the customer are conveyed along the first conveying path 171 and the medium discriminating unit 120 is provided. As you pass), the differentiation of bills and checks proceeds.

That is, in the process of discriminating checks and bills, the medium discriminating unit 120 determines whether two checks and bills are conveyed through the first transport path 171 and simultaneously scans the images of the checks and bills. By reading, it is determined whether the medium to be returned is a check or a bill. If the medium to be returned is a check, check information such as the unique number and amount of the check read from the check is transmitted to the upper control unit. In the case of authenticity of the banknotes, discriminate between the sourdough and damage state, the result is transmitted to the upper control unit.

At this time, the medium discrimination unit 120 of the present embodiment scans and reads images of checks and banknotes at a resolution of 100 dpi so as to accurately read the unique number and amount information of the check printed on the check, If the medium to be conveyed is a check, it is determined whether or not the medium to be conveyed is a check or a bill, based on the image read out at the resolution of 100 dpi, When the image is discriminated as a banknote, the image read at a resolution of 100 dpi is converted into a resolution of 50 dp and used as an image for distinguishing a banknote, and the authenticity, the denomination and the damage status of the banknote are discriminated, And transmits the result to the host controller.

Through this series of processes, the check information is discriminated through the high resolution image data of 100 dpi, and the discrimination processing speed is improved by using the data converted to the low resolution of 50 dpi in discriminating the banknote / counterfeit currency .

Thereafter, the checks and bills discriminated to the normal right through the medium discriminating unit 120 are transported along the second conveying path 172 and the third conveying path 173 and stored in the temporary storage part 130. On the other hand, checks and / or bills with overlapping or discernible abnormalities are conveyed along the second conveying path 172 and are provided at the connection points between the second conveying path 172 and the third conveying path 173. It is conveyed to the reject conveyance path 175 by the 2 switching gate 182, and is temporarily suspended.

In such a deposit counting process, since the medium discriminating unit 120 can discriminate 12 checks and bills per second, the counting speed is set to 12 sheets per second for both checks and bills.

On the other hand, when the counting procedure for the normal right and the reject right among checks and bills put into the deposit and withdrawal part is completed through the deposit counting process as described above, the normal right and the reject right through the input / output unit provided in the automated teller machine. Notify the customer of the deposit, return the rejected checks and / or bills held on the reject return path to the customer according to the return process, request re-depositing of the returned amount, and If confirmed, the checks and bills mixed and stored in the temporary storage unit are re-identified by the medium discriminating unit in the process of being transported along the conveyance path, and the checks are stored in the check cassette, and the bills are stored in the bill cassette.

4 and 5 are views showing the operation state when returning the rejected checks and bills of the check / bank deposit and withdrawal device according to this embodiment.

As shown in FIG. 4, the check and / or banknote held in the reject transfer path 175 during the deposit counting process passes through the second transfer gate 182 and then the second transfer path 172 and the first transfer. It is returned along the furnace 171 and returned to the customer through the deposit and withdrawal unit 110.

In addition, as shown in FIG. 5, abnormal checks, ie counterfeit checks, or the like, are identified from the discrimination result of the upper control unit (not shown) among checks that are determined as normal checks from the medium discriminating unit 120 and stored in the temporary storage unit 130. If there is a check identified as a stolen check, the transaction is stopped and all checks and bills stored in the temporary storage unit 130 are returned to the customer.

In this case, all the checks and bills stored in the temporary storage unit 130 pass through the second switching gate 182 along the third transport path 173, and then the second transport path 184 and the first transport path ( It is returned along with 171 and returned to the customer through the deposit and withdrawal unit 110.

6 is a view showing an operation state at the time of deposit receipt of the check / bank deposit and withdrawal device according to this embodiment.

After the process of returning the rejected checks and bills described above is completed, when the deposit transaction is confirmed by the customer, the checks and bills mixed and stored in the temporary storage unit 130 are returned and re-identified by the medium discriminating unit 120. The check is stored in the check cassette 140, and the bill is stored in the bill cassette 150.

That is, as shown in FIG. 6, the normal checks and the normal bills mixed and stored in the temporary storage unit 130 are stored in the third conveying path 173, the fourth conveying path 174, and the first conveying path 171. By passing through the medium discrimination unit 120 along with the medium discrimination unit 120, it is determined whether the conveyed medium is a check or a bill. The check cassette 140 is stored, and bills are transported along the second conveying path 172 and stored in the bill cassette 150 for each kind.

At this time, the check stored in the check cassette 140 is stored in the check deposit unit 142 after the payment confirmation information is printed through the check printing unit 141 of the check cassette 140.

As described above, the processing speed for storing checks and bills is stored in the cassettes 140 and 150 at a speed of 3 sheets per second.

On the other hand, in the case of printing the deposit confirmation information on the check through the check printing unit, printing is performed on the surface of the check, that is, the surface on which the check image is displayed. Checks deposited on the other side are reversed before and after being placed in the check cassette.

7 is a view showing the operating state at the front and back of the check in the check / bank deposit and withdrawal device according to the present embodiment.

If there is a check that is deposited to the back of the checks received by the customer during the deposit counting process of the checks and bills described above and needs to be reversed, the checks and bills received and stored in the temporary storage unit 130 are stored in the corresponding cassette ( 140, 150, (see Fig. 2) in the deposit receiving process, the check by the media discrimination unit (120, see Fig. 2) through the re-recognition of the check that needs to reverse the front and back checks and remembers.

That is, the check and bills discharged from the temporary storage unit 130 pass through the medium discriminating unit 120 (see FIG. 2), and the medium conveyed by the medium discriminating unit 120 (see FIG. 2) is returned. It is determined whether or not it is a bill or bills, and checks that need to be inverted in front and back of the returned checks are checked. Checks that are stored and need to be reversed are returned back to the temporary storage unit 130 through the third transport path 173 to be temporarily stored, and then the checks that need to be temporarily reversed are again stored from the temporary storage unit. Front and rear reversal is performed through a process of discharging to the transport path 173.

Referring to the front and back reversal process of the check as described above in detail, as shown in (a) of FIG. 7, a check that does not need to be reversed among the checks re-identified by the medium discriminating unit 120 (see FIG. 2). ) Is conveyed through the second conveyance path 172 and stored in the check cassette 140, and the check B, which needs to be reversed, has a third conveyance through the second conveyance path 172 and the first switching gate 181. After returning to the conveying path 173 temporarily stored in the temporary storage unit 130, and the return of the re-identified banknotes and checks that do not need to reverse the front and back check is completed, as shown in (b) of FIG. The check B, which needs to be temporarily reversed in the temporary storage unit 130, is discharged again to the third conveying path 173, and the discharged check passes through the second switching gate 182 to the fourth conveying path ( The check is inverted from the front and back through the process of returning to the 174, and the check that has been inverted and completed is returned to the fourth transport path 174 and the first transport path 171 (Fig. 2). And the second conveying path 172 sequentially and stored in the check cassette 140.

8 and 9 are diagrams showing an operation state in the withdrawal transaction of the check / bank deposit and withdrawal device according to the present embodiment.

As shown in FIGS. 8 and 9, when the customer requests withdrawal, the check and the bill stored in the check cassette 140 and the bill cassette 150 are respectively transferred to the second conveyance path 172 and the first conveyance path ( 171 is returned along with the withdrawal through the deposit and withdraw unit 110.

In this case, as shown in FIG. 8, when the withdrawal of the banknotes, the withdrawal banknotes are discharged for each kind according to the withdrawal request details from each bank cassette 150 and transported along the second conveying path 172 and the medium discriminating unit 120. The bill is determined as a normal bill as a result of the bank discrimination of the medium discrimination unit 120 is conveyed to the deposit and withdrawal unit 110 along the first conveying path 171 is provided so that the customer can receive the bill, The severely damaged or overlapped bills are conveyed along the fourth conveying path 174, and then conveyed to the reject conveying path 175 via the third conveying path 173 through the first switching gate 181. It is stored in the jet box 160 and stored separately.

In addition, as shown in FIG. 9, upon withdrawal of a check, the withdrawal check is discharged from the check withdrawal unit 143 of the check cassette 140 according to the withdrawal request details, and the discharged check is the check of the check cassette 140. After the withdrawal confirmation information is printed through the printing unit 141, the withdrawal confirmation information is returned along the second conveying path 172 to pass through the medium discriminating unit 120, and as a result of the check discrimination by the medium discriminating unit 120, The determined check is returned to the deposit and withdrawal unit 110 along the first conveying path 171 and provided to the customer for receipt. In the case of overlapping checks, the check is conveyed along the fourth conveying path 174 to be transferred to the first switching gate. After being conveyed to the reject conveying path 175 via the third conveying path 173 through 181, the reject box 160 is stored and stored separately.

When the withdrawal transaction of banknotes and checks as described above, the withdrawal processing speed of the banknotes is treated as three sheets per second.

As described above, the present invention can deposit or withdraw checks and bills at the same time through one deposit and withdrawal unit, thereby simplifying the internal structure of the automatic teller machine, and improving the convenience of use of the customer.

In addition, provided with a medium discrimination unit configured to discriminate checks and bills at the same time on the conveyance path to which checks and bills are conveyed, even when a customer deposits checks and bills mixedly through a deposit and withdrawal unit, When the banknotes are discriminated through the medium discrimination unit, the discriminated checks and banknotes are stored in the temporary storage unit, and when the deposit transaction is confirmed by the customer, the checks and the banknotes mixed and stored in the temporary storage unit are returned along the return path. The check is re-differentiated by the medium discriminating unit so that the check is stored in the check cassette and the bill is stored in the bill cassette, so that checks and bills through the automated teller machine can be effectively processed.

The present invention is not limited to the above-described embodiments and the accompanying drawings as various substitutions and modifications are possible within the scope without departing from the technical spirit of the present invention for those skilled in the art. .

110: deposit and withdrawal unit 120: media identification unit
130: temporary storage 140: check cassette
141: check printing unit 142: check deposit unit
143: check withdrawal unit 150: bill cassette
160: reject box 170: conveying path
171: first transport path 172: second transport path
173: third conveying path 174: fourth conveying path
175: reject return path 181: first switching gate
182: second switching gate 183: third switching gate

Claims (15)

1. A check / banknote deposit / withdrawal apparatus for a refundable automated teller machine for depositing and withdrawing bills and checks,
A deposit and withdrawal portion for receiving a bill to be deposited and / or a check received or for withdrawing the bill and / or a check;
A medium discriminating unit for reading and discriminating images of the inputted bill and / or check;
A temporary storage unit for temporarily storing the deposited bank notes and / or checks until the transaction is established;
A check cassette for storing a check;
A plurality of bill cassettes for storing bills for each kind;
A reject box for collecting check or banknotes or checkable banknotes among check and banknotes discharged from the check cassette and the banknote cassette;
A conveying path for conveying the banknotes and checks to be deposited or withdrawn along a predetermined path;
Wherein the check / banknote deposit / withdrawal device of the refillable type automatic teller machine.
The method of claim 1,
The medium discrimination unit discriminates,
Whether or not the inserted checks and / or bills are two,
The image of the inserted check and / or the bill is scanned and read to determine whether the inserted medium is a check or a bill,
When the inserted medium is a check, the check information read out from the check is transmitted to the upper control unit, and when the inserted medium is a banknote, the authenticity, the denomination and the damaged state of the banknote are discriminated. Deposit and withdrawal device.
3. The method of claim 2,
The check information,
Check / bank deposit and withdrawal device of a reflux-type automated teller machine, characterized in that the check contains a unique number and amount information.
3. The method of claim 2,
The upper control unit,
Check / bank deposit and withdrawal device of the reflux-type automated teller machine, characterized in that determining whether the check is normal based on the check information of the check sent from the medium discrimination unit.
3. The method of claim 2,
The medium discrimination unit discriminates,
And a sensor unit for scanning and reading an image of a check and / or a banknote at a resolution of 100 dpi to 200 dpi using at least one visible light.
6. The method of claim 5,
The medium discrimination unit discriminates,
It is determined whether the loaded medium is a check or a bill using the image of the check and / or the bill read out at the resolution of 100 dpi to 200 dpi,
When the input medium is a check, the check information read out in the resolution of 100 dpi to 200 dpi is transmitted to the upper control unit in the check,
In the case of banknotes, the data obtained at the resolution of 100 dpi to 200 dpi is converted into the resolution of 30 dpi to 70 dpi, and the authenticity, the denomination and the damaged state of the banknote are discriminated using the converted data having the resolution of 30 dpi to 70 dpi Check / banknote deposit / withdrawal device of reflux type automatic teller machine.
The method of claim 1,
The temporary storage unit,
The bills and / or checks are loaded inside through a plurality of rollers and guides, and when the bills and / or checks are taken out, the stack and the stacks are separated by a single unit through the plurality of rollers. Check / bank deposit and withdrawal device of reflux type automatic teller machine.
The method of claim 1,
The check cassette,
A check printing unit which prints deposit confirmation information on the deposit check and prints the deposit confirmation information on the withdrawal check;
A check deposit unit for storing a deposit check;
A check withdrawal unit for storing a withdrawal check;
Wherein the check / banknote deposit / withdrawal device of the refillable type automatic teller machine.
The method of claim 1,
The conveying path,
A first conveying path which is advanced from the deposit / withdrawal portion and connected to the medium discriminating portion;
A second conveying path which is sequentially connected to the plurality of banknote cassettes and the check cassettes from the medium discrimination unit;
A third conveying path which proceeds from an end of said second conveying path and is connected to said temporary storage part;
A fourth conveying path connecting the first conveying path and the third conveying path;
A reject conveyance path extending from a point where the end of the second conveyance path and the third conveyance path are connected to the reject box and extending in a predetermined path;
Wherein the check / banknote deposit / withdrawal device of the refillable type automatic teller machine.
The method of claim 9,
The conveying path,
A first switching gate is provided at the point where the third conveyance path and the fourth conveying path are connected, and a second switching gate is provided at the point where the second conveyance path, the third conveyance path and the reject conveyance path are interconnected. But
The first and second switching gates,
Wherein the control unit is configured to be switched in two directions to switch the movement path of the check and / or paper money.
A method for operating a check / banknote deposit / withdrawal apparatus provided in a reflux-type automated teller machine,
Receiving a check and / or a banknote through the deposit / withdrawal portion;
Conveying the deposited check and / or banknotes to pass through the medium discrimination unit;
It is possible to discriminate whether the check and / or bills are overlapped with each other through the medium discrimination unit, and at the same time, to read the image of the check and / or the bill to determine whether the medium to be conveyed is a check or a bill, The check information read out from the check is transferred to the upper control unit, and if it is a bill, discriminating the damaged state, the authenticity, and the denomination;
Determining whether the check is normal based on the check information transmitted from the medium discrimination unit in the upper control unit;
Storing checks and / or bills discriminated into normal tickets in a temporary storage unit;
A check and / or a bill discriminated as an abnormal rejection right is conveyed to the reject conveying route and held and held;
A step of informing the customer of the deposit details of the normal right and the reject right and returning the check and / or paper money held in the reject conveying route to the customer through the deposit and withdrawal unit;
In the process of returning the checks and / or bills stored in the temporary storage unit according to the payment transaction confirmation of the customer, it is determined whether the medium returned through the media discrimination unit is a check or a bill, and the medium is a bill. Separating each kind of book and storing it in a plurality of bill cassettes, and storing a check cassette in the case of a check;
Wherein the check / banknote deposit / withdrawal device operation method of the refillable type automatic teller machine is provided.
12. The method of claim 11,
If there is a check that is discriminated as a check from the medium discriminating unit and returned to the temporary storage unit, there is a check that is classified as an abnormal check in the discrimination result of the upper control unit.
A method of operating a check / bank deposit / withdrawal device of a cash flow type automated teller machine, characterized by stopping a transaction and returning all checks and / or bills stored in the temporary storage.
12. The method of claim 11,
In the step of storing the check stored in the temporary storage unit in a check cassette,
A method of operating a check / bank deposit / withdrawal device of a reflux type automated teller machine, characterized in that performing a front and back inversion for a check that needs to be reversed.
The method of claim 13,
The method for performing the inversion of the check of the check includes:
Of the checks returned from the temporary storage section through the media discrimination section, checks that do not need to be reversed are returned to the check cassette.
Checks that need to be reversed are circulated through the return path and returned to the temporary storage section for temporary storage.
After the return of the check that does not need to be reversed is completed, the return of the check that is stored in the temporary storage unit needs to be reversed again by returning the check to the check cassette and returning it to the check cassette. How to operate a check / cash register in a automated teller machine.
12. The method of claim 11,
Check and bill counting speed in the step of discriminating checks and bills received through the deposit and withdrawal unit and storing them in the temporary storage unit,
After confirming the customer's deposit transaction, the check and bills stored in the temporary storage unit in the step of storing checks and bills, respectively, in the step of storing the checks and bills of the reflux type automated automated machine How to operate a check / cash register.

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