The present invention relates to cash handling machines in a banking system, such as teller cash dispensers, teller cash acceptors, teller cash recyclers, or automatic teller machines (ATMs) and to monitoring such cash handling machines.
It is an important requirement to monitor the status of such cash handling machines, because they can be vital in a continued efficient operation of a bank. Cash handling machines can run out of money or develop other mechanical or software faults. At present, a manager or other monitoring operative is provided with a monitoring console which is connected to the cash handling machines for which he is responsible and allows him to access a status report from each cash handling machine at his monitoring console. The monitoring console polls the cash handling machines for updates and compiles them into such a status report.
According to one aspect of the present invention, there is provided a cash handling machine for use in a banking system, the machine comprising: a cash handling mechanism for handling physical documents or tokens pertaining to monetary value to implement at least in part a customer facing transaction; a controller executing an embedded application for monitoring the status of the cash handling mechanism and arranged to generate a status report on detection of a status update event, the status report addressed to at least one monitoring device; and a network port connected to receive a status report from the controller for transmitting the report to the at least one monitoring device.
Embodiments of the invention described in the following solve a range of technical difficulties associated with the known technique for monitoring the status of cash handling machines. One difficulty is that a manager or monitoring operative is restricted to a predetermined set of machines which are polled by the console at which he is working. Furthermore, all reports for that set of machines are received at his console, resulting in a large amount of information, much of which may not be appropriate to the task that the particular manager or other monitoring operative has to carry out. Moreover, because a manager needs to instigate access of a status report from a cash handling machine, it requires effort for him to review and he may miss critical intervening events at the cash handling machine which he then identifies too late, or later than desirable to run an effective efficient banking system.
The status reports can include a machine identifier which uniquely identifies the cash handling machine and/or an event-type identifier which uniquely identifies the type of event. The event-type identifier can distinguish between different types of event.
Advantageously, the status reports are “pushed” from the cash handling machine when the status update event is detected. When the status reports allow the machine or event type to be identified, they can be filtered at the monitoring device and made available only to “subscribers” who have subscribed to a particular machine or event type. This allows a manager or other monitoring operative to be presented only with information which is germane to the task that he has to perform. For example, a manager may be interested only in inventory-related matters at the cash handling machine (cash amounts, transactions, etc.), while a technician may be interested only in mechanical faults which develop at the cash handling machine, and will not be interested in the financial transactions conducted at the machine.
The event can be an operational event, including but not limited to a maximum amount of cash in the machine, a minimum amount of cash in the machine or the fact that the machine is empty. Alternatively, the events can be diagnostic events relating to the functionality of the cash handling machine (for example, mechanical faults), or controller-related events which can pertain to operation of the controller and/or the requirement for software updates, for example. Another type of event is a time-based event, which collects data in a certain time period and provides a report including that data at the end of the time period.
The term “cash handling machine” used herein is intended to denote any machine whose primary function is to deliver at least in part customer facing transactions. While a cash handling machine is principally capable of handling cash components in the form of note and coins, it is also capable of handling other physical or tangible documents, such as invoices, cheques, and bills. In the context, the term “cash handling mechanism” is intended to cover any physical mechanism capable of handling any of the preceding physical components. Cash handling machines include, but are not restricted to, teller cash dispensers, acceptors or recyclers and ATMs.
Another aspect of the present invention provides a monitoring device for use in a banking system, the monitoring device comprising: a network port for connecting the device to a network and configured to receive status reports from a plurality of cash handling machines connected to the network; a filter function for receiving a subscription message from an operative at a user device via the network port and configured to select filter settings for filtering incoming status reports based on one or more report identifier identified in the subscription message; and a control function for transmitting to the user device, via the network port, only status reports based on the filter settings for that operative.
Preferably, the reports are displayed at the request (for example, log-in) of the operative. Each user device can be operated by one or more operative. Each operative has an associated subscription such that when that operative logs in the reports to which he has subscribed are available to him. The user device can take the form of a monitoring console which forms part of the monitoring device or which can be networked to the monitoring device. The monitoring device can be a server with its own monitoring console. Alternatively, as in the described embodiment, a server connected to a plurality of individual user devices. In the latter case, the filter settings can be adjusted for each operative at each user device and separately stored at the server.
A user device can be in the form of a workstation or a mobile device such as a tablet or other computing device. The bank network can be wired or wireless.
Another aspect of the present invention provides a method of reporting events in a cash handling machine used in a banking system, the method comprising at the cash handling machine: monitoring a cash handling mechanism for handling physical documents or tokens pertaining to monetary value; detecting a status update event relating to the cash handling mechanism and generating a status report addressed to at least one monitoring device, the status report identifying the status update event; and transmitting the status report to the least one monitoring device. It is advantageous if the report is transmitted (pushed) when the status update event is detected.
A further aspect of the invention provides a method of monitoring operation of a plurality of cash handling machines connected to a network in a banking system, the method comprising: receiving from each of the cash handling machines, status reports identifying status update events detected at the cash handling machines; filtering the status report based on a report identifier in each report to provide to a user device only filtered status reports containing report identifiers to which an operative of the user device has subscribed; and displaying the filtered status reports at the user device.
Where the report identifier is a machine identifier, this allows a group of machines from the plurality to be monitored by a particular operative at a particular user device, without having to receive information from machines in which he is not interested.
The group of machines can be in a single branch (i.e., a single premises), or in multiple branches in a single region. Alternatively, an overall banking supervisor could receive status reports on all machines in his scope of responsibility, e.g. geographical location, regardless of branch or region.
Another aspect of the invention provides a method of monitoring operation of a group of cash handling machines connected to a network in a banking system, the method comprising: receiving from each of a plurality of the cash handling machines, including said group but not restricted to said group, status reports identifying status update events detected at the cash handling machine; filtering the status report based on a machine identifier in each report to provide to a user device, status reports only from the group of machines to which an operative of the user device has subscribed; and displaying the filtered status reports at the user device.
The described embodiments of the invention provide the possibility for selected monitoring by an operative of cash handling machines at any granularity of machine or type of event. They can even be used to allow the machines to be monitored outside the particular banking enterprise. For example, service providers may wish to monitor mechanical faults of certain selected machines, and cash in transit (CIT) companies may be interested to monitor the cash status of particular machines for which they are responsible.
A further aspect of the invention provides a computer program product comprising program code means which when executed by a processor in a cash handling machine monitor the status of a cash handling mechanism of the cash handling machine and generate a status report on detection of a status update event, the status report addressed to at least one monitoring device.
The invention further provides a banking system comprising: a network; at least one cash handling machine connected to the network, the cash handling machine arranged to generate a status report on detection of a status update event related to operation of the cash handling machine; at least one monitoring device connected to the network to which the status report is addressed and configured to receive the status report and to filter status reports based on a report identifier in each report; and at least one user device connected to the network for receiving filtered status reports which contain report identifiers to which an operative of the user device has subscribed.
It is expected that in most banking environments, the communication of the status update reports will be secure, that is in the context of a secured network. However, in situations where the reports are required outside the enterprise, unsecured communication of the reports could be provided. In one embodiment, the status update reports could be transmitted (broadcast) over the public Internet. In that context where unsecured communication is inappropriate, communication could be limited at the user device for access only by particular subscribers and/or encrypted so that their meaning is only decrypted at the user device.
For a better understanding of embodiments of the present invention and to show how they may be put into effect, reference is made to the accompanying drawings:
The core system 100 comprises a database 106 which is where the records for all the customers of the bank are stored, including the account data for each customer defining the monetary value of the account and potentially other factors such as a credit or overdraft limit. Any transaction such as those involving dispensing cash to a customer, accepting deposit of cash from a customer, transferring funds between accounts, paying bills or loaning funds to a customer's account must be cleared by the core network 100 and recorded in the database 106 of the core system 100.
The branch banking network 102 is connected to the core system 100 by a wide area network (WAN) of the bank. The branch banking network 102 is the part of the banking environment relating to the interface between branch staff and customers. Within the branch banking network 102 for the whole bank enterprise, each individual branch comprises a respective local area network (LAN) 108. Each branch's LAN 108 comprises a branch server 114 and teller equipment 118 for one or more tellers.
The teller equipment 118 comprises one or more cash-handling machines 202, e.g. in the form of a teller cash dispenser (TCD), teller cash acceptor (TCA) and/or teller cash recycler (TCR). Each cash-handling machine 202 comprises a secure cash box and a mechanism for dispensing and/or accepting cash.
In one example 118b of such an arrangement, the cash-handling machine 202 still does not have its own user interface and the workstation 204 is arranged to communicate with the cash-handling machine 202 via the branch LAN 108 in order to conduct transactions such as dispensing and/or accepting cash, paying bills, etc. In embodiments, some or all of the software for operating the cash-handling machine 202 may be hosted on the branch server 114, or even an enterprise server 110 of the wider branch-banking network 102. This software may be accessed using an application in the form of a computer program resident on the workstation 204.
The branch LAN 108 may also comprise one or more further branch terminals 116 other than a teller workstation 204, not immediately located next to a cash-handling machine 202. For instance this may be a supervisor's terminal, a terminal of a manager's office or a terminal in a separate client meeting room. In the network model, a further branch terminal 116 like this may also be enabled to access functionality of the cash-handling machines 202. Similarly, connected to the wider branch banking network 102 but not necessarily associated with any single branch, the branch banking network 102 may further comprise one or more terminals 112 such as a terminal of a regional manager's office or a headquarters. Again such terminals 112 may be enabled to access functionality of the cash-handling machines 202 in one or more of the various branches via the branch banking network 102.
For example, the network model may provide wider visibility of inventory (how much cash is in which cash-handling machines 202). A teller, supervisor or manager having branch-wide or regional responsibility may be able to view inventory of a plurality of different cash-handling machines 202 in one or more branches via the network 114 or 102 using one of the further terminals 116 or 112 or work stations 204. This enables a more intelligent management of inventory, as the user can see a wider picture of which machines 202 are low on cash and which are relatively full, and plan the movement of cash between them in a more efficient given visibility of this information over the network. That is, it may be used to reduce delivery or collections to/from the machines.
A further possible use is to provide diagnostic or maintenance related information, e.g. a technician may monitor the status of cash-handling machine remotely from an external terminal 112. This may enable the technician to arrive at the branch more prepared for the required maintenance (e.g. taking the right tools) or even perform a remote recovery for some faults.
In another example arrangement 118c, the cash-handling machine 202 has its own user interface 208 integrated into the same terminal (in the same housing) allowing it to be operated directly. An example of this is a teller assisted machine, which is partially (but not fully) self-service. The customer can initiate or perform part of a transaction him or herself, but a teller is still available on the branch floor to assist in the transaction. In this case one of the users may be a customer as opposed to a member of bank staff as in the other examples above.
Again some or all of the software may be hosted on a server 110 or 114, but this time accessed via a resident application running on the teller assisted machine 118c itself rather than a separate workstation 204. Also, the inventory and/or diagnostic or maintenance information for this machine 118c may again be made visible to other terminals 112, 116 or 204.
In another example, a mobile user terminal such as a smart phone, tablet or laptop may be able to access some functionality of the system via a suitable wireless connection with the LAN 108 or wider network 102, e.g. to access inventory or diagnostic information in a manner to be discussed in more detail with reference to
The ATM network 104 is a separate, distinct system to the branch banking network 102. The ATM network 104 comprises a constituent ATM network 124 of the bank comprising a plurality of ATMs (automatic teller machines) 128 of that bank, and a constituent ATM network 128 of one or more other banks comprising a plurality of ATMs 130 of those one or more other banks.
Even in the case where the teller equipment 118 takes the form of a teller assisted machine 118c, this is not an ATM. Firstly, the teller equipment 118 is equipment that involves an interaction between a member of bank staff (a human teller) and the customer, and is never entirely self-service. Secondly, any transaction performed through the branch banking network relates to an account with that particular bank, i.e. that particular enterprise. In contrast, a user does not need to have an account with a given bank to use the ATM of that bank. To this end the ATM network 104 comprises an ATM transaction acquirer 120 to couple between the core system 100 of the bank and the core system(s) of the one or more other banks, and are arranged to perform the relevant interaction to dispense cash from the ATM of one enterprise and deduct from the account of another enterprise. Conversely, a user of an ATM can only access one (his own) account. An ATM does not give visibility into any other accounts. On the other hand, an ATM cannot reach other accounts than that of the customer operating it (typically only the account associated with the card with which the ATM is presented), whereas a teller assigned machine would allow some operators like a teller or supervisor to access many different accounts of other users (multiple customers' accounts). Further, the branch banking network 102 and ATM network 104 operate on different protocols.
In the present context, the term “cash handling machine” extends to include but are not restricted to teller operated, teller assisted machines and customer self-service machines such as ATMs.
Events in the cash handling machine can include an event that a certain lower or upper limit of cash has been reached; that the cash store is empty; that there is a fault, etc. A CPU-related event may be that the software which runs the operation of the cash handling machine requires an update.
Another type of event is a “time-based” event. According to this event, data is collected from the machine over a certain time period and then compiled into a status report at the end of that time period. For example, the transaction rate of the machine can be collected to determine usage in certain periods, including certain times of day. Alternatively, changes in an inventory can be logged in a certain time period.
Status reports are sent from the machine 202 addressed in accordance with the TCP/IP protocol. Any other suitable network protocol is possible, and the network could be wired or wireless. In some embodiments it is a private secure network because the machines are used in a banking environment. In other embodiments, the Internet can be used. The status reports can be addressed to a single server, a specific group of servers or broadcast to all servers over the network. The server can be the branch server 114 or enterprise server 110.
As shown in
Additionally or alternatively, operatives can subscribe to receiving status reports only for particular types of events. To that end, each event carries a type identifier which denotes the type of event and allows the filter function to present only those types of event to which the operative has subscribed.
Thus, the filter function can implement a plurality of different filters so different operatives can subscribe to different updates, for example, based on location. For example a branch manager could subscribe to updates from the branch and the sub-branch, while a regional manager subscribes to all updates within a region, or based on the type of update (for example, technical faults or machine too empty or too full of cash). Requests can be sent from the server when updates are received from machines, or can be despatched at certain intervals. Each report returned to the user device contains only status updates subscribed to by the operative at the user device. Each user device can be operated by one or more operative. Each operative has an associated subscription such that when that operative logs in the reports to which he has subscribed are available to him.
When an operative logs on, he has access to historic reports which have been received with the identifiers of interest to him. That is, he can access a history associated with a particular report identifier as well as receiving new reports tagged to the same identifier.
The embodiment described above in which reports are transmitted from the machines when the event of interest is detected (so-called “pushed”), is particularly advantageous because it allows events at a machine to be available to an operative who is monitoring the machine in real time should the operative choose to do so. The operative can intervene quickly and effectively when he receives notification of the event. Moreover, he is not overwhelmed with data from machines for which he is not responsible, or from or by events which he is not interested in because he can subscribe only to those events of particular relevance to the role that he has to perform.
Nevertheless, an advantage can still be gained in a scenario where events are not necessarily pushed from the machines in real time. For example, they could be sent from the machines periodically at certain times of day or at certain periods.
It will be appreciated that the above embodiments have been described only by way of example. Other variants may be implemented by a person skilled in the art given the disclosure herein. The scope of the invention is not limited by the described embodiments but only by the accompanying claims.
Number | Date | Country | Kind |
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1305719.5 | Mar 2013 | GB | national |
Filing Document | Filing Date | Country | Kind |
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PCT/EP2014/056360 | 3/28/2014 | WO | 00 |