JP2009087052A - Cash withdrawal processing system, cash withdrawal processing method, and cash handling machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cash withdrawal processing system, a cash withdrawal processing method, and a cash handling machine, which quickly dispense a required amount of cash by utilizing a known electronic money technology, and easily manage money withdrawn from a user's account. <P>SOLUTION: A banking server 20 connected to a mobile phone 10 performs authentication based on a log-in request from the mobile phone 10. Upon acquiring a cash withdrawal set data containing a required amount, the server withdraws the required amount from the account of a user whose authentication has been completed. The banking server 20 generates a withdrawal ticket with information containing the required amount is encrypted by a security key of a bank, and transmits the withdrawal ticket and the electronic money corresponding to the required amount to the mobile phone. An automatic teller machine 30 that has detected the mobile phone 10 acquires the withdrawal ticket from the mobile phone 10, and if the withdrawal ticket is authenticated, performs an electronic money withdrawal request process to the mobile phone 10 to dispense cash. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a cash withdrawal processing system, a cash withdrawal processing method, and a cash handling machine for a user to withdraw cash from his / her account.

  When a user withdraws cash from his / her deposit account, an automatic teller machine is used. An automated teller machine is usually connected online to a host system that manages transaction processing for a deposit account. Then, when withdrawing cash using this automatic teller machine, a cash card is inserted into the automatic teller machine and the password set when the account is opened is input. The automatic teller machine acquires data for specifying a deposit account from the inserted cash card, and transmits the data to the host system online together with the input personal identification number data. Then, the host system authenticates the person, obtains the desired withdrawal amount from the automatic teller machine, and provides the desired withdrawal amount of cash from the account balance of the authenticated user.

  Further, a technique for withdrawing cash from an automatic teller machine using a mobile phone terminal by incorporating it into a mobile phone terminal as an application for performing financial processing is also disclosed (for example, see Patent Document 1). . In this patent document 1, a mobile phone terminal incorporating an IC chip is used. Then, using the input means of the mobile phone terminal, the personal identification number related to the bank account and the information related to the financial processing in the automatic teller machine are input to the mobile phone terminal and written into the IC chip. Then, the data is transferred from the IC chip to the automatic teller machine in a non-contact manner using the data transfer means of the mobile phone terminal. The automatic teller machine performs financial processing based on the transferred input information. Therefore, the automatic teller machine can be operated using the mobile phone terminal instead of the cash card.

On the other hand, a technique for withdrawing cash from an automatic teller machine even when offline is disclosed (for example, see Patent Document 2). In this case, a reservation ticket including the scheduled withdrawal amount and expiration date is issued to the user's mobile phone terminal. The automatic teller machine acquires a reservation ticket from the mobile phone terminal, and executes a cash withdrawal process based on the reservation ticket.
JP 2001-297198 A (1st page, FIG. 1) JP 2006-99445 A (first page, FIG. 1)

  In the technique described in Patent Document 1, a personal identification number for performing financial processing and information related to financial processing in an automatic teller machine are stored in an IC chip. Then, the cash dispenser acquires information stored in the IC chip and transmits it to the host system. Then, financial processing is performed in the host system. For this reason, it cannot be used when the automatic teller machine is offline. In addition, processing in the host system may take time, and quick procedures may not be possible.

On the other hand, in Patent Document 2, it is necessary to manage the withdrawal state of cash related to the reservation ticket in the host system.
Furthermore, a new information processing infrastructure related to a payment method is being built today, like electronic money. For this reason, it is convenient if cash can be efficiently provided using this base.

The present invention has been made to solve the above-mentioned problems, and its purpose is to quickly provide cash of a desired withdrawal amount by utilizing a known electronic money technology and to debit it from a user's account. Another object of the present invention is to provide a cash withdrawal processing system, a cash withdrawal processing method, and a cash handling machine capable of easily managing funds.

  In order to solve the above problems, the invention described in claim 1 is a cash handling machine for performing data communication with a mobile terminal having network connection means and electronic money management means for connecting to a financial institution server, and utilization A cash withdrawal processing system for performing cash withdrawal processing, comprising a financial institution server having user data storage means for storing a user's account identification information and user authentication information, wherein the financial institution server When a login request is received from the mobile terminal, a means for performing user authentication using authentication information recorded in the user data storage means and a cash withdrawal ticket issuance request including a desired withdrawal amount from the mobile terminal are received. And a means for executing a withdrawal process for the withdrawal desired amount from an account identified by the account identification information of the user authenticated by the user, and the withdrawal desired amount Means for generating a ticket, and means for transmitting electronic money corresponding to the withdrawal desired amount together with the withdrawal ticket to the portable terminal, and when the cash handling machine obtains the withdrawal ticket from the portable terminal, the withdrawal ticket And the electronic money corresponding to the desired withdrawal amount stored in the portable terminal is acquired from the withdrawal ticket when the validity of the withdrawal ticket is verified. And a means for providing cash according to the amount of the acquired electronic money.

  According to a second aspect of the present invention, in the cash withdrawal processing system according to the first aspect, the financial institution server encrypts the withdrawal request information including the withdrawal desired amount using a private key of the financial institution. The gist of the present invention is to generate a withdrawal ticket with the electronic signature and verify the validity by verifying the electronic signature of the withdrawal ticket using the public key of the financial institution.

  The invention according to claim 3 is the cash withdrawal processing system according to claim 1 or 2, wherein the financial institution server sets an expiration date of the withdrawal ticket, includes the expiration date in the withdrawal ticket, The cash handling machine compares the expiration date included in the acquired withdrawal ticket with the current date and time, and if the current date and time is within the expiration date of the withdrawal ticket, it corresponds to the desired withdrawal amount included in the withdrawal ticket The gist is to acquire electronic money and provide cash according to the corresponding amount.

  The invention according to claim 4 is a cash handling machine that performs data communication with a mobile terminal having network connection means and electronic money management means for connecting to a financial institution server, user account identification information, and user A method for performing cash withdrawal processing using a cash withdrawal processing system comprising a financial institution server having user data storage means storing authentication information, wherein the financial institution server is When receiving a login request, performing user authentication using authentication information recorded in the user data storage means, and receiving a cash withdrawal ticket issuance request including a withdrawal amount from the mobile terminal, Executing a withdrawal process for the withdrawal amount from the account specified by the account identification information of the user authenticated by the user, and generating a withdrawal ticket including the withdrawal amount When the cash handling machine obtains a withdrawal ticket from the portable terminal, the validity of the withdrawal ticket is verified. And when the validity of the withdrawal ticket can be verified, obtain a withdrawal amount from the withdrawal ticket, obtain electronic money corresponding to the withdrawal amount stored in the mobile terminal, And a stage of providing cash according to the amount of the acquired electronic money.

The invention according to claim 5 is a cash handling machine that includes a local communication processing unit that transmits and receives data to and from a portable terminal used by a user, and that provides cash, and the portable terminal is connected via the local communication processing unit. Is detected, the withdrawal ticket is requested to the portable terminal, the withdrawal ticket obtained in response to the request is verified, and if the validity of the withdrawal ticket is verified, the withdrawal ticket A withdrawal ticket management means for obtaining a withdrawal desired amount included in the electronic device, and obtaining electronic money corresponding to the withdrawal desired amount stored in the portable terminal via the local communication processing unit, and The gist of the present invention is to provide a cash providing processing means for executing a process of providing cash according to the amount of money.

(Function)
According to the invention described in claim 1 or 4, when the financial institution server receives a cash withdrawal ticket issuance request including the withdrawal desired amount from the mobile terminal, the withdrawal processing of the withdrawal desired amount from the user's authenticated user account. Execute. The financial institution server generates a withdrawal ticket including the desired withdrawal amount, and transmits electronic money corresponding to the desired withdrawal amount to the portable terminal together with the withdrawal ticket. When the cash handling machine acquires a withdrawal ticket from the mobile terminal, the cash handling machine verifies the validity of the withdrawal ticket. If the validity of the withdrawal ticket can be verified, the cash handling machine obtains the withdrawal amount from this withdrawal ticket, obtains electronic money corresponding to the withdrawal amount stored in the mobile terminal, and obtains the obtained electronic money. Provide cash according to the amount of money. For this reason, when the cash handling machine acquires a legitimate withdrawal ticket issued by a financial institution, the cash handling machine can quickly provide the desired amount of cash using a known electronic money method. Furthermore, since the amount to be withdrawn is managed in the mobile terminal as electronic money, it is easy to manage the funds withdrawn from the user's account.

  According to the invention described in claim 2, the financial institution server generates a withdrawal ticket with an electronic signature encrypted using the private key of the financial institution with respect to the withdrawal request information including the withdrawal desired amount. The cash handling machine verifies the validity by verifying the electronic signature of the withdrawal ticket with the public key of the financial institution. For this reason, since the legitimacy of the withdrawal ticket can be verified using the public key of the financial institution that issued the withdrawal ticket, it is possible to withdraw cash also in cash handling machines of other financial institutions.

  According to the invention described in claim 3, the financial institution server transmits the withdrawal ticket including the set expiration date to the portable terminal. When a cash handling machine obtains a withdrawal ticket within the expiration date, it obtains electronic money equivalent to the desired withdrawal amount included in the cash withdrawal ticket, and provides cash according to the corresponding amount. Do. For this reason, the period during which the desired withdrawal amount is managed using electronic money in the portable terminal can be limited.

  According to the invention described in claim 5, when the cash handling machine detects the mobile terminal, it makes a request for the withdrawal ticket to the portable terminal and verifies the withdrawal ticket acquired in response to the request. If it is executed and the validity of the withdrawal ticket is verified, the desired withdrawal amount included in the withdrawal ticket is acquired. The cash handling machine acquires electronic money corresponding to the desired withdrawal amount stored in the mobile terminal via the local communication processing unit, and provides cash according to the amount of the acquired electronic money. For this reason, the cash handling machine can efficiently provide cash using the electronic money managed in the mobile terminal.

  ADVANTAGE OF THE INVENTION According to this invention, management of the withdrawal amount of cash is easy, and the cash according to the withdrawal amount can be provided efficiently.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. This embodiment demonstrates the cash withdrawal system provided with the automatic teller machine as a cash handling machine for withdrawing cash, and the banking server as a financial institution server connected to this. The cash withdrawal system of the present embodiment uses a mobile phone terminal 10 as a mobile terminal carried by a user.

  The mobile phone terminal 10 includes an electronic money management processing unit 11 as an electronic money management unit, a withdrawal ticket management processing unit 12, a mobile phone network communication processing unit 15, a local communication processing unit 16, a display processing unit, and a network connection unit. An operation processing unit is provided.

The electronic money management processing unit 11 stores data relating to the balance of electronic money in a memory and manages the data relating to this balance, as in the known electronic money method.
The withdrawal ticket management processing unit 12 manages the withdrawal ticket by storing the withdrawal ticket issued by the bank for cash withdrawal in a memory. The withdrawal ticket of the present embodiment is electronic data obtained by encrypting withdrawal desired data (drawing desire information) including an issuance authentication identifier for authenticating that the money is issued by a bank and a desired withdrawal amount.

  The cellular phone network communication processing unit 15 transmits / receives data to / from the banking server 20 that performs Internet banking. Specifically, the mobile phone network communication processing unit 15 performs wireless communication with a base station (not shown) and is connected to the banking server 20 via a known mobile phone network to which the base station is connected. .

The local communication processing unit 16 performs short-distance local communication processing using a known wireless communication technology. In the present embodiment, it is used for settlement of electronic money.
The display processing unit executes processing for displaying various screens on the display.

The operation processing unit executes processing for acquiring data input via the operation button. In this embodiment, it is used for inputting a password, the amount of cash withdrawal, and the like.
On the other hand, the banking server 20 connected to the mobile phone terminal 10 includes a net banking processing unit 21 that provides an Internet banking service. The net banking processing unit 21 includes an authentication data storage unit as user data storage means for storing user authentication data for performing user authentication of the person who has accessed. This user authentication data includes data relating to a user identification number as a customer identification identifier, a first password and a second password as a deposit account and password. Furthermore, the net banking processing unit 21 includes a screen data storage unit that stores various processing screen data to be transmitted to the mobile phone terminal 10. This processing screen data stores login screen data, menu screen data, cash withdrawal setting screen data, acceptance completion screen data, and the like.

  When the network banking processing unit 21 receives a login request including data (authentication information) related to the user identification number and the first password from the accessed mobile phone terminal 10, the network banking processing unit 21 performs user authentication using these. . When the user authentication is completed, the net banking processing unit 21 provides various Internet banking services while maintaining a session with the mobile phone terminal 10. In this case, the net banking processing unit 21 accesses the bank host system of the banking server 20 and executes a withdrawal process of the desired withdrawal amount from the user's account using account information managed by the bank host system. To do.

Further, the net banking processing unit 21 stores data relating to an issue authentication identifier and a secret key, and performs a process of issuing an encrypted withdrawal ticket.
An automatic teller machine 30 is connected to the banking server 20 via a bank network within the bank. The automatic teller machine 30 includes an electronic money settlement processing unit 31 as a cash provision processing unit, a withdrawal ticket verification processing unit 32 as a withdrawal ticket management unit, a host communication processing unit 35, a local communication processing unit 36, and a cash handling processing unit. 37.

The electronic money settlement processing unit 31 instructs the mobile phone terminal 10 to reduce the balance of electronic money according to the desired withdrawal amount, as in the known electronic money system. Further, the electronic money settlement processing unit 31 supplies the cash handling processing unit 37 with an instruction to pay out cash according to the desired withdrawal amount.

  The withdrawal ticket verification processing unit 32 verifies the validity of the withdrawal ticket acquired from the mobile phone terminal 10 and executes a process for providing cash using the withdrawal ticket. Specifically, the withdrawal ticket verification processing unit 32 stores data relating to the public key of the financial institution and the issue authentication identifier. The withdrawal ticket verification processing unit 32 decrypts the withdrawal ticket, compares the issued authentication identifier included in the decrypted desired withdrawal data with the stored issuance authentication identifier, and verifies the validity of the withdrawal ticket. To do. The withdrawal ticket verification processing unit 32 then supplies the electronic money settlement processing unit 31 with the desired withdrawal amount included in the decrypted withdrawal desired data.

  The host communication processing unit 35 communicates with the banking server 20 via the bank network. In the present embodiment, transaction processing history data regarding deposit / withdrawal processing is transmitted to the banking server 20.

The local communication processing unit 36 transmits / receives data to / from the local communication processing unit 16 of the mobile phone terminal 10 within a predetermined range by wireless communication.
The cash handling processing unit 37 executes cash withdrawal according to instruction data from the electronic money settlement processing unit 31.

A cash withdrawal process using the cash withdrawal system configured as described above and the user's mobile phone terminal 10 will be described with reference to FIGS. 2 and 3.
The user causes the mobile phone terminal 10 to access the banking server 20 when cash withdrawal is desired.

The banking server 20 that has received the access transmits the login screen data to the accessed mobile phone terminal 10.
In this case, the mobile phone terminal 10 displays the login screen 610 shown in FIG. 3 on the display based on the acquired login screen data. The login screen 610 is a screen for acquiring authentication data in order to provide an Internet banking service. The login screen 610 includes an identification number input field for inputting an identification number of a user who uses the net banking service, a password input field for inputting a first password used for authentication, and a login button.

Here, the user inputs his / her identification number and the first password in the identification number input field and the first password input field, and selects a login button.
In this case, the mobile phone terminal 10 executes a login request process for the banking server 20 (step S1-1). Specifically, the operation processing unit of the mobile phone terminal 10 acquires the identification number and the first password entered via the display. Then, a login request including data relating to the identification number and the first password is transmitted via the mobile phone network communication processing unit 15.

  The banking server 20 that has received the login request executes a user authentication process (step S1-2). Specifically, the net banking processing unit 21 of the banking server 20 searches for user authentication data including the received identification number and the first password. If the user authentication data having the same identification number and the first personal identification number is not registered, the net banking processing unit 21 transmits that fact to the mobile phone terminal 10 and rejects the login.

  On the other hand, when the user authentication data having the same identification number and the first password can be extracted, the net banking processing unit 21 transmits the menu screen data to the mobile phone terminal 10 (step S1-3).

  In this case, the mobile phone terminal 10 displays the menu selection screen 620 shown in FIG. 3 on the display based on the acquired menu screen data. This menu selection screen 620 is a screen for selecting the contents of a request for banking processing. The menu selection screen 620 includes a cash withdrawal ticket issue button in addition to a button for selecting a normal net banking process such as a balance inquiry process button or a transfer / transfer process button.

Here, the user selects a cash withdrawal ticket issue button. The cellular phone terminal 10 transmits a cash withdrawal ticket issue request to the banking server 20 (step S1-4).
The net banking processing unit 21 of the banking server 20 that has received the cash withdrawal ticket issuance request transmits cash withdrawal setting screen data to the mobile phone terminal 10 (step S1-5).

  In this case, the mobile phone terminal 10 displays the cash withdrawal setting screen 630 shown in FIG. 3 on the display based on the acquired cash withdrawal setting screen data. This cash withdrawal setting screen 630 is a screen for performing settings relating to cash withdrawal processing (desired withdrawal amount, etc.). The cash withdrawal setting screen 630 includes an amount input field, a second password input field, and an execution button.

The amount input column is a column for inputting the amount of cash desired to be withdrawn (desired withdrawal amount). In the present embodiment, the amount can be input in units of “1” to “9”.
The second personal identification number input field is a field for inputting a second personal identification number for executing a process involving money transfer.

The execution button is a button for instructing execution of the cash withdrawal process.
Here, the user inputs the desired withdrawal amount and the second personal identification number in the amount input field and the second personal identification number input field, and selects the execution button. In this case, the mobile phone terminal 10 transmits the cash withdrawal setting data to the banking server 20 (step S1-6).

  The banking server 20 that has received the cash withdrawal setting data executes a withdrawal process (step S1-7). Specifically, first, the net banking processing unit 21 of the banking server 20 determines whether the second password included in the user authentication data extracted in the user authentication process matches the received second password. Confirm whether or not.

  When it is confirmed that the second passwords match, the net banking processing unit 21 specifies the customer account data of the user included in the user authentication data, and sends the obtained withdrawal amount to the bank host system. Supply. The bank host system subtracts the withdrawal amount from the account balance of the customer account data.

  Next, the banking server 20 executes a withdrawal ticket generation process (step S1-8). Specifically, the net banking processing unit 21 of the banking server 20 assigns an issue number to the withdrawal ticket to be issued. Then, the net banking processing unit 21 generates a withdrawal ticket obtained by encrypting withdrawal desired data including the issuance number, issuance authentication identifier, and withdrawal desired amount with a bank private key.

  And the banking server 20 performs the issuing process of electronic money and a withdrawal ticket (step S1-9). Specifically, the net banking processing unit 21 of the banking server 20 transmits to the mobile phone terminal 10 an instruction to charge electronic money for an amount corresponding to the desired withdrawal amount and the generated withdrawal ticket. In this case, the net banking processing unit 21 acquires reception completion screen data, and also transmits screen data including the issue number. Further, the banking server 20 records data relating to the issue number, the desired withdrawal amount and the processing time of the withdrawal ticket at this time in the account information of the bank host system as transaction processing history data.

  The mobile phone terminal 10 executes the electronic money and withdrawal ticket storage process (step S1-10). Specifically, the electronic money management processing unit 11 of the mobile phone terminal 10 adds the amount included in the charge instruction from the banking server 20 to the balance of electronic money stored in the memory, and the balance of electronic money Is updated and stored in the memory.

  The withdrawal ticket management processing unit 12 of the mobile phone terminal 10 stores the withdrawal ticket acquired from the banking server 20 in a memory and manages it. Furthermore, the mobile phone terminal 10 displays a reception completion screen 640 shown in FIG. 3 on the display based on the acquired reception completion screen data. This acceptance completion screen 640 is a screen for displaying that the acceptance of the withdrawal process has been completed (withdrawal ticket issuance process completed), and includes an instruction to receive cash at the automatic teller machine 30 and an issue number. It is.

  Thereafter, the user brings the mobile phone terminal 10 storing the withdrawal ticket to the automatic teller machine 30. Then, the user holds the mobile phone terminal 10 over the automatic teller machine 30. In this case, communication between the local communication processing unit 16 of the mobile phone terminal 10 and the local communication processing unit 36 of the automatic teller machine 30 starts.

  First, the automatic teller machine 30 performs the detection process of the mobile phone terminal 10 (step S1-11). Specifically, the local communication processing unit 36 of the automatic teller machine 30 detects the local communication processing unit 16 of the mobile phone terminal 10 within a predetermined range, and transmits / receives data to / from the local communication processing unit 16. .

  And the automatic teller machine 30 performs the request | requirement process of a withdrawal ticket with respect to the mobile telephone terminal 10 (step S1-12). Specifically, the withdrawal ticket verification processing unit 32 of the automatic teller machine 30 transmits a withdrawal ticket request to the mobile phone terminal 10 via the local communication processing unit 16.

  The mobile phone terminal 10 that has received the withdrawal ticket request executes a withdrawal ticket provision process (step S1-13). Specifically, the withdrawal ticket management processing unit 12 acquires a withdrawal ticket stored in the memory and transmits it via the local communication processing unit 16. Then, when the transmission of the withdrawal ticket is completed, the withdrawal ticket management processing unit 12 deletes the withdrawal ticket stored in the memory.

  The automatic teller machine 30 executes verification processing of the withdrawal ticket acquired via the local communication processing unit 36 (step S1-14). Specifically, the withdrawal ticket verification processing unit 32 of the automatic teller machine 30 decrypts the obtained withdrawal ticket with the public key. Next, the withdrawal ticket verification processing unit 32 compares the issuance authentication identifier included in the withdrawal desired data obtained by decrypting the withdrawal ticket with the issuance authentication identifier stored in the memory. If the issued authentication identifiers do not match, the withdrawal ticket verification processing unit 32 transmits a message to the mobile phone terminal 10 that cash withdrawal is not possible.

  On the other hand, when the issue authentication identifiers match and can be verified, the withdrawal ticket verification processing unit 32 specifies the issue number and the desired withdrawal amount included in the withdrawal request data and supplies them to the electronic money settlement processing unit 31.

  Next, the automatic teller machine 30 executes the electronic money payment request process for the desired withdrawal amount (step S1-15). Specifically, the electronic money settlement processing unit 31 of the automatic teller machine 30 transmits, via the local communication processing unit 36, an instruction to reduce the desired withdrawal amount from the electronic money balance to the mobile phone terminal 10.

  The mobile phone terminal 10 that has received the reduction instruction executes electronic money reduction processing (step S1-16). In this case, the automatic teller machine 30 confirms the balance of the electronic money in the mobile phone terminal 10 as in the known electronic money method. Specifically, the mobile phone terminal 10 compares the withdrawal desired amount included in this reduction instruction with the electronic money balance stored in the memory. As a result of the comparison, if the electronic money balance is lower than the desired withdrawal amount, the mobile phone terminal 10 transmits that fact to the automatic teller machine 30. In this case, the automatic teller machine 30 refuses to provide cash.

  On the other hand, when the electronic money balance is equal to or larger than the desired withdrawal amount, the desired withdrawal amount is subtracted from the balance of electronic money stored in the memory to update the electronic money balance. In this case, the mobile phone terminal 10 notifies the automatic teller machine 30 of the subtraction.

  On the other hand, the automatic teller machine 30 executes a cash withdrawal process (step S1-17). Specifically, the electronic money settlement processing unit 31 of the automatic teller machine 30 supplies the cash handling processing unit 37 with a cash withdrawal instruction corresponding to the desired withdrawal amount. The cash handling processing unit 37 outputs the designated amount of cash to the outside of the automatic teller machine 30. Then, the electronic money settlement processing unit 31 transmits transaction processing history data to the banking server 20 via the host communication processing unit 35. In this case, the electronic money settlement processing unit 31 includes, in the transaction processing history data, an issue number included in the withdrawal request data, a desired withdrawal amount, and a process identifier indicating that cash withdrawal has been performed using the withdrawal ticket. And the processing time when the cash is paid out. The banking server 20 records the acquired transaction processing history data as user account information. Thus, the cash withdrawal process is completed.

According to this embodiment, the following effects can be obtained.
In the present embodiment, the banking server 20 extracts user authentication data including the identification number and the first password received from the mobile phone terminal 10, and executes user authentication processing (step S1-2). When the cash withdrawal setting data is received after the authentication is completed, the banking server 20 specifies the customer account data of the user included in the user authentication data used for the authentication and executes the withdrawal process (step S1-7). . The banking server 20 generates a withdrawal ticket by encrypting the withdrawal request data including the withdrawal amount (step S1-8), and issues electronic money and a withdrawal ticket corresponding to the withdrawal amount (step S1-9). And stored in the mobile phone terminal 10 (step S1-10). Thereafter, when the automatic teller machine 30 detects the mobile phone terminal 10, the automatic teller machine 30 acquires a withdrawal ticket from the mobile phone terminal 10 and executes a verification process of the withdrawal ticket (step S1-14). If the withdrawal ticket is valid, the electronic money payment request process for the desired withdrawal amount is executed (step S1-15), and the cash payout process is executed (step S1-17). For this reason, the automatic teller machine 30 can provide cash of the withdrawal desired amount quickly using a publicly known electronic money system, when the legitimate withdrawal ticket provided from the bank is acquired. Furthermore, since the amount to be withdrawn is managed as electronic money in the mobile phone terminal 10, it is easy to manage the funds withdrawn from the user's account. Further, since the amount of money to be withdrawn (desired amount of withdrawal) is managed as electronic money, when the user does not withdraw cash, it can be used as it is as electronic money.

  In the present embodiment, the net banking processing unit 21 generates a withdrawal ticket obtained by encrypting withdrawal desired data including the issue number, the issuance authentication identifier, and the withdrawal desired amount with a bank secret key. And the automatic teller machine 30 performs the verification process of the withdrawal ticket acquired via the local communication processing part 36 (step S1-14). In this case, the withdrawal ticket verification processing unit 32 of the automatic teller machine 30 decrypts the obtained withdrawal ticket with the public key. For this reason, since the legitimacy of the withdrawal ticket can be verified using the public key of the bank that issued the withdrawal ticket, cash can be withdrawn even in an automatic teller machine of another financial institution.

Moreover, you may change the said embodiment as follows.
○ In the above embodiment, when the cash dispenser 30 can verify the validity of the withdrawal ticket, it executes the electronic money payment request processing for the desired withdrawal amount (step S1-15), A payout process was executed (step S1-17). In this case, an expiration date may be set for the withdrawal ticket, and cash output processing may be executed only when the verified withdrawal ticket is within the expiration date. Specifically, the banking server 20 stores data related to the valid time of the withdrawal ticket in the memory. In the withdrawal ticket generation process (step S1-8), the banking server 20 calculates the expiration date obtained by adding the effective time stored in the memory to the time when the cash withdrawal setting data is received from the mobile phone terminal 10. Then, the banking server 20 generates a withdrawal ticket from the withdrawal request data including the expiration date. And the automatic teller machine 30 performs the verification process of a withdrawal ticket (step S1-14). In this case, when the issued authentication identifiers match and can be verified, the withdrawal ticket verification processing unit 32 compares the expiration date included in the withdrawal desired data with the current time. As a result of the comparison, if the expiration date has already passed, the automatic teller machine 30 refuses to provide cash and notifies that cash cannot be provided. On the other hand, when the current time is within the expiration date, the withdrawal ticket verification processing unit 32 specifies the issue number and the desired withdrawal amount, and supplies them to the electronic money settlement processing unit 31. For this reason, the period during which the desired withdrawal amount is managed using electronic money in the portable terminal can be limited.

  In the above embodiment, the automatic teller machine 30 transmits the transaction processing history data to the banking server 20 after executing the cash payout process (step S1-17). Not only this but the automatic teller machine 30 may be offline which is not connected to the banking server 20. In this case, the automatic teller machine 30 may record transaction processing history data on an internal magnetic tape or the like.

  In the above embodiment, the banking server 20 generates a withdrawal ticket obtained by encrypting the withdrawal desired data including the withdrawal desired amount with the private key of the bank in the withdrawal ticket generation process (step S1-8). The automatic teller machine 30 decrypts the obtained withdrawal ticket with the public key in the withdrawal ticket verification process (step S1-14), and the issued authentication identifier included in the decrypted withdrawal desired data is stored in the memory. Judgment was made as to whether or not it was verified in accordance with the issued authentication identifier. The verification method is not limited to the electronic signature as long as it is a technique that can verify that the withdrawal ticket has been issued by a financial institution. For example, in the automatic teller machine 30 managed only by the financial institution that issued the withdrawal ticket, a key used when the financial institution encrypts and generates the withdrawal ticket, and a key that the automated teller machine 30 decrypts the withdrawal ticket. May be shared.

The system schematic of embodiment of this invention. The flowchart explaining the process sequence of the cash withdrawal process in embodiment. Explanatory drawing of the screen displayed on the mobile telephone terminal in embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Mobile phone terminal as a mobile terminal, 11 ... Electronic money management processing part as electronic money management means, 12 ... Withdrawal ticket management processing part, 15 ... Mobile telephone network communication processing part as network connection means, 16 ... Local communication Processing unit, 20 ... Banking server as a financial institution server, 30 ... Automatic teller machine as a cash handling machine, 31 ... Electronic money settlement processing unit as cash provision processing means, 32 ... Withdrawal ticket verification as withdrawal ticket management means Processing unit, 35... Host communication processing unit, 36... Local communication processing unit.

Claims (5)

A cash handling machine for performing data communication with a mobile terminal provided with a network connection means and an electronic money management means for connecting to a financial institution server;
A cash withdrawal processing system configured with a financial institution server provided with user data storage means for storing user account identification information and user authentication information, and for performing cash withdrawal processing,
The financial institution server
Means for performing user authentication using authentication information recorded in the user data storage means when receiving a login request from a portable terminal;
Means for executing a withdrawal process of the withdrawal desired amount from an account specified by the account identification information of the user authenticated by the user when receiving a cash withdrawal ticket issuing request including the withdrawal desired amount from the mobile terminal;
Means for generating a withdrawal ticket including the desired withdrawal amount and transmitting electronic money corresponding to the desired withdrawal amount to the portable terminal together with the withdrawal ticket;
Cash handling machine
When obtaining a withdrawal ticket from the mobile terminal, means for verifying the validity of the withdrawal ticket;
If the validity of the withdrawal ticket can be verified, a desired withdrawal amount is obtained from the withdrawal ticket, electronic money corresponding to the desired withdrawal amount stored in the mobile terminal is obtained, and the obtained electronic money is acquired. And a means for providing cash according to the amount of money. The financial institution server generates a withdrawal ticket with an electronic signature encrypted with a private key of the financial institution for the withdrawal request information including the withdrawal desired amount,
The cash withdrawal processing system according to claim 1, wherein the cash handling machine verifies validity by verifying an electronic signature of the withdrawal ticket using a public key of the financial institution. The financial institution server sets an expiration date of the withdrawal ticket, includes this expiration date in the withdrawal ticket,
The cash handling machine compares the expiration date included in the acquired withdrawal ticket with the current date and time, and if the current date and time is within the expiration date of the withdrawal ticket, it corresponds to the desired withdrawal amount included in the withdrawal ticket The cash withdrawal processing system according to claim 1 or 2, wherein electronic money is acquired and cash is provided according to an amount corresponding to the electronic money. A cash handling machine for performing data communication with a mobile terminal provided with a network connection means and an electronic money management means for connecting to a financial institution server;
This is a method for performing cash withdrawal processing using a cash withdrawal processing system comprising a financial institution server having user data storage means for storing user account identification information and user authentication information. And
The financial institution server
When receiving a login request from a mobile terminal, performing user authentication using authentication information recorded in the user data storage means;
When receiving a cash withdrawal ticket issuance request including a withdrawal desired amount from the mobile terminal, executing a withdrawal process of the withdrawal desired amount from an account specified by the account identification information of the user authenticated by the user;
Generating a withdrawal ticket including the desired withdrawal amount, and transmitting electronic money corresponding to the desired withdrawal amount to the portable terminal together with the withdrawal ticket;
Cash handling machine
When obtaining a withdrawal ticket from the mobile terminal, verifying the validity of this withdrawal ticket;
If the validity of the withdrawal ticket can be verified, a desired withdrawal amount is obtained from the withdrawal ticket, electronic money corresponding to the desired withdrawal amount stored in the mobile terminal is obtained, and the obtained electronic money is acquired. And a step of providing cash according to the amount of money. A cash handling machine that includes a local communication processing unit that transmits and receives data to and from a mobile terminal used by a user, and that provides cash,
When a portable terminal is detected via the local communication processing unit, a request for a withdrawal ticket is made to the portable terminal, verification of the withdrawal ticket acquired in response to this request is performed, and the validity of the withdrawal ticket is confirmed. If it can be verified, a withdrawal ticket management means for acquiring a desired withdrawal amount included in the withdrawal ticket;
Cash providing process for acquiring electronic money corresponding to the withdrawal desired amount stored in the mobile terminal via the local communication processing unit and executing a process of providing cash according to the amount of the acquired electronic money And a cash handling machine.

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