CN115147988A

CN115147988A - Financial transaction method and financial transaction system

Info

Publication number: CN115147988A
Application number: CN202110338810.8A
Authority: CN
Inventors: 冯子臣; 植田康广; 高爽
Original assignee: Glory Ltd
Current assignee: Glory Ltd
Priority date: 2021-03-30
Filing date: 2021-03-30
Publication date: 2022-10-04

Abstract

The invention provides a financial transaction method and a financial transaction system, which can obtain the same result as the case of depositing cash into a bank account of a customer or withdrawing cash from the bank account of the customer by the customer depositing cash in a cash processing device. The financial transaction method is configured to include: a step in which a cash processing device receives cash to be deposited into a bank account of a customer and executes deposit processing; a step in which the management terminal transmits, to the bank server, a deposit amount deposited to the cash processing device and information on a bank account required for account processing of the deposit amount; a step in which the bank server performs an account process of transferring a deposit amount from a bank account of the agent to a bank account of the customer; and a step in which the bank server performs an account process of transferring the collection amount from the bank account of the management company to the bank account of the agent when the management company collects cash from the cash processing device.

Description

Financial transaction method and financial transaction system

Technical Field

The present disclosure relates to a financial transaction method and a financial transaction system that can obtain the same result as in the case of depositing cash into or withdrawing cash from a bank account of a customer by processing the amount of cash that the customer accesses in a cash processing device via a bank account different from the bank account of the customer.

Background

Conventionally, in china, in a place which is far from a bank store and where an ATM (automatic teller machine) does not exist, when a customer wants to deposit cash into a bank account or withdraw cash from the bank account, an agent handles a procedure of the customer related to the bank account. In the case where the customer is to deposit cash into a bank account, for example, the customer gives the information of the bank account of the customer and cash to an agent. The agent goes to a bank shop and transacts a procedure of depositing cash registered by the customer into a bank account of the customer. When a customer withdraws cash from a bank account, the customer gives information of the bank account to an agent and receives the cash from the agent. The agent processes the procedure of withdrawing cash from the customer's bank account in the bank's store to return the cash previously given to the customer.

Disclosure of Invention

In the above-described prior art, the balance of the bank account of the customer is not updated until the agent transacts the procedure in the bank's store. Since the bank stores are far from the agent and the places where the customers are located, the agent goes to the bank stores periodically, for example, every other week, and performs the account procedures of the customers in a lump. Therefore, there may be a time difference between the customer and the agent when cash is actually delivered and the delivery content is reflected in the balance of the bank account. Since the agent corresponds to a plurality of customers, one agent handles a large amount of cash, and a problem in security may occur. Since most agents approaching a bank handle account procedures of a plurality of customers, the other customers of the bank need to wait, and banking business may be affected.

The present disclosure has been made in view of the conventional techniques including the above-described problems, and an object thereof is to provide a financial transaction method and a financial transaction system that can obtain the same result as the case of depositing cash into or withdrawing cash from a bank account of a customer by processing the amount of cash that the customer has accessed in a cash processing device via a bank account different from the bank account of the customer.

The financial transaction method of the present disclosure includes: a step in which a cash processing device receives cash to be deposited into a bank account of a customer and executes deposit processing; a step in which the management terminal transmits, to a bank server, a deposit amount deposited to the cash processing device and information on a bank account required for account processing of the deposit amount; a step in which the bank server performs an account process of transferring the deposit amount from a bank account of an agent to a bank account of the customer; and a step in which the bank server performs an account process of transferring a withdrawal amount from a bank account of the management company to a bank account of the agent when the management company withdraws cash from the cash processing apparatus.

The financial transaction method of the present disclosure includes: a step in which the cash processing device executes a withdrawal process for dispensing cash withdrawn from a bank account of a customer; a step in which a management terminal transmits, to a bank server, a withdrawal amount dispensed from the cash processing device and information on a bank account required for account processing of the withdrawal amount; a step in which the bank server performs an account process of transferring the withdrawal amount from the bank account of the customer to a bank account of an agent; and a step in which the bank server performs an account process of transferring a supplementary amount of money from the bank account of the agent to the bank account of the management company when the management company supplements cash to the cash processing device.

In the above-described configuration, the cash processing device may be configured to dispense cash in an amount obtained by subtracting a commission fee collected from the customer from the withdrawal amount when the withdrawal process is performed.

In the above configuration, when an account process of transferring the withdrawal amount from the bank account of the customer to the bank account of the agent is performed, the commission fees collected from the customer may be transferred together with the withdrawal amount.

In the above configuration, the method may further include: the bank server may further execute an account process of transferring the award money paid from the bank to a bank account of the management company when a total amount of cash deposited into the bank by each customer exceeds a total amount of cash withdrawn from the bank by each customer through a plurality of account processes performed during a predetermined period.

In the above configuration, the present invention may further include: the bank server may further execute an account process of transferring the award money paid from the bank to the bank account of the agent when a total amount of cash deposited into the bank by each customer exceeds a total amount of cash withdrawn from the bank by each customer through a plurality of account processes performed by the bank account of the agent for a predetermined period.

The financial transaction system of the present disclosure includes: a cash processing device which accepts cash deposited into a bank account of a customer and executes deposit processing; and a management terminal that transmits a deposit amount deposited to the cash processing device and information of a bank account required for an account process of the deposit amount to a bank server, wherein the bank server performs an account process of transferring the deposit amount from a bank account of an agent to a bank account of the customer and an account process of transferring a collection amount from the bank account of a management company to the bank account of the agent when the management company collects cash from the cash processing device.

The financial transaction system of the present disclosure includes: a cash processing device that executes a withdrawal process for receiving a withdrawal amount drawn from a bank account of a customer and dispensing cash; and a management terminal that transmits the withdrawal amount and information on a bank account required for account processing of the withdrawal amount to a bank server, wherein the bank server executes account processing for transferring the withdrawal amount from a bank account of the customer to a bank account of an agent, and account processing for transferring a replenishment amount from the bank account of the agent to the bank account of the management company when the management company replenishes cash to the cash processing device.

Effects of the invention

According to the financial transaction method and the financial transaction system of the present disclosure, the amount of cash that a customer has accessed in the cash processing device is processed through a bank account different from the bank account of the customer, and the same processing result can be obtained as in the case of depositing cash into the bank account of the customer or withdrawing cash from the bank account of the customer.

Drawings

Fig. 1 is a schematic diagram for explaining an outline of a financial transaction method and a financial transaction system according to the present embodiment.

Fig. 2 is a diagram showing an example of the configuration of the financial transaction system.

Fig. 3 is a schematic diagram for explaining a deposit process performed at a management company store and an account process performed along with the deposit process.

Fig. 4 is a schematic diagram for explaining a withdrawal process performed in a management company store and an account process performed along with the withdrawal process.

Fig. 5 is a schematic diagram for explaining a depositing process performed at the agent store and an account process performed along with the depositing process.

Fig. 6 is a schematic diagram for explaining a dispensing process performed at an agent store and an account process performed along with the dispensing process.

Description of the reference symbols

100 cash handling devices; 110 operating the terminal; 120 a surveillance camera; 200 a management terminal; 300 a bank server; 400 portable communication terminal.

Detailed Description

Hereinafter, embodiments of the financial transaction method and the financial transaction system according to the present disclosure will be described with reference to the drawings. First, an outline of a financial transaction method and a financial transaction system will be described. Fig. 1 is a schematic diagram for explaining an outline of a financial transaction method and a financial transaction system according to the present embodiment. As shown in fig. 1, the financial transaction system includes a bank server 300, a management terminal 200, and a cash processing device 100.

The stores in which the cash processing devices 100 are installed include a management company store in which a management company manages the cash processing devices 100, and an agent store in which an agent manages the cash processing devices 100. An agent is an individual who does not belong to a management company. For example, an agent who has dealt with an account procedure of a customer in china in the past may be the agent described in the present embodiment.

The cash processing apparatus 100 of the management company store stores cash owned by the management company in a storage unit in the apparatus. On the other hand, the cash handling apparatus 100 of the agent store stores cash owned by an agent in a storage unit in the apparatus. That is, cash that the management company does not have ownership is stored in the cash handling device 100 of the agent store.

Each cash processing device 100 is capable of performing a deposit process of receiving cash of a customer from outside the device, performing recognition and counting, and storing in a storage unit in the device, and a withdrawal process of transferring out cash of an amount requested by the customer from the storage unit in the device and discharging the cash to outside the device. For example, a part of the cash processing device 100 is formed of a metal safe, and the storage unit is provided in the safe. This ensures the security of the cash stored in the cash handling device 100.

The management terminal 200 manages the cash processing devices 100 installed in a plurality of stores. The management terminal 200 can manage the denomination and the number of banknotes by denomination of cash stored in each cash processing device 100. The management terminal 200 can instruct the bank server 300 of an account process for moving money between bank accounts according to the processing content of the cash process performed in each cash processing device 100.

As shown in fig. 1, in the management company store, a customer a who wants to deposit cash into its own bank account deposits the cash to the cash processing device 100 (A1). The management terminal 200 instructs the bank server 300 to perform account processing of the deposit amount of money obtained by moving the cash processing device 100 from the bank account of the management company to the bank account of the customer a to recognize and count cash. The bank server 300 performs a transfer process of moving the funds of the deposit amount from the bank account of the management company to the bank account of the customer a (A2). In this way, when the customer deposits cash into the cash processing device 100, the amount of cash owned by the management company in the device increases, and the amount of increase is transferred from the bank account of the management company to the bank account of the customer, so that the balance of the bank account of the customer increases, resulting in the same result as when the customer deposits cash into the bank account. In addition, in fig. 1, each transfer process is represented using a diagram of a bankbook for easy understanding, but the transfer process is, for example, a process performed by an online service provided by a bank. The transfer process is performed using account information of the bank account, and will be described in detail later.

A customer a who wants to withdraw cash from its own bank account can withdraw cash from the cash handling device 100 of the management company store and receive it (A1). The management terminal 200 instructs the bank server 300 to execute an account process of moving the money of the withdrawal amount dispensed by the cash processing device 100 from the bank account of the customer a to the bank account of the management company. The bank server 300 performs a transfer process of moving money of the withdrawal amount from the bank account of the customer a to the bank account of the management company (A2). In this way, when the customer withdraws cash from the cash processing apparatus 100, the cash owned by the management company in the apparatus decreases, and the amount of the decrease is transferred from the bank account of the customer to the bank account of the management company, so that the balance of the bank account of the customer decreases, which is the same result as when the customer withdraws cash from the bank account.

The method of first dispensing cash from a store or processing an account in the bank server 300 is not limited to the above, and cash may be dispensed after the account processing. By performing the account processing first, it is possible to avoid a situation in which the balance of the bank account is less than the withdrawal amount despite the cash is dispensed. In order to avoid a situation where the balance of the bank account of the customer is less than the withdrawal amount when cash is dispensed before the account processing, the processing of setting the upper limit of the withdrawal amount is performed, which will be described in detail later.

The instruction to execute the account process to the bank server 300 is not limited to the method performed by the management terminal 200, and may be performed by a person in charge of the management company store or a customer a using a portable communication terminal held by the person. In addition, the management company may collect a handling fee from the customer a at the time of the withdrawal processing. The commission may be a fixed amount or may be calculated by multiplying the withdrawal amount by a predetermined ratio. The charge may be collected by cash of an amount obtained by subtracting the charge from the cash dispensed when the cash processing device 100 dispenses cash, or by moving the amount of money obtained by adding the charge from the bank account of the customer a to the bank account of the management company when the account is processed.

As shown in fig. 1, in the agent store, a customer B who wants to deposit cash into his/her own bank account deposits the cash into the cash processing apparatus 100 (B1). The management terminal 200 instructs the bank server 300 to execute an account process of moving the fund of the deposit amount obtained by recognizing and counting cash by the cash processing device 100 from the bank account of the agent to the bank account of the customer B. The bank server 300 performs a transfer process of moving the funds of the deposit amount from the agent's bank account to the bank account of customer B (B2). In this way, when the customer deposits cash into the cash processing device 100, although the amount of cash of all the agents in the device increases, the amount of increase is transferred from the bank account of the agent to the bank account of the customer, so that the balance of the bank account of the customer increases, and the result is the same as that in the case where the customer deposits cash into the bank account.

A customer B who wants to withdraw cash from his bank account can withdraw cash from the cash handling device 100 of the agent store and receive it (B1). The management terminal 200 instructs the bank server 300 to execute an account process of moving the money of the withdrawal amount dispensed by the cash processing device 100 from the bank account of the customer B to the bank account of the agent. The bank server 300 performs a transfer process of moving money of the withdrawal amount from the bank account of the customer B to the bank account of the agent (B2). In this way, when the customer withdraws cash from the cash processing apparatus 100, although the cash owned by the agent in the apparatus decreases, the amount of decrease is transferred from the bank account of the customer to the bank account of the agent, and the balance of the bank account of the customer decreases, which results in the same result as when the customer withdraws cash from the bank account.

The management terminal 200 manages the denomination and the number of sheets per denomination of cash in the cash processing device 100. When cash of a denomination with the number of sheets exceeding a preset collection threshold is generated, the management terminal 200 determines that the cash of the denomination needs to be collected from the cash processing device 100, and executes a notification process of notifying the management company of the determination result. When cash of a denomination having a count lower than a preset replenishment threshold is generated, the management terminal 200 determines that the cash of the denomination needs to be replenished to the cash processing device 100, and executes a notification process of notifying the management company of the determination result. The management company that has received the notification collects cash from the cash processing apparatus 100 and supplements the cash to the cash processing apparatus 100. This makes it possible to avoid a situation in which the storage unit of the cash processing device 100 is full of cash and cannot perform the deposit process, and a situation in which the storage unit is short of cash and cannot perform the withdrawal process.

As shown in fig. 1, when the management company receives cash from the cash handling device 100 of the agent store (C1), ownership of the cash is transferred from the agent to the management company. Accordingly, the management terminal 200 recognizing that cash has been recovered instructs the bank server 300 to perform an account process of moving the funds of the amount of the recovered money from the bank account of the management company to the bank account of the agent. Thereby, the bank server 300 performs a transfer process of moving the funds of the amount of the recovered money from the bank account of the management company to the bank account of the agent (C2). In this way, in the cash processing device 100 of the agent store, when the amount of cash of a certain currency exceeds the collection threshold value and the management company collects the cash from the cash processing device 100, the cash owned by the agent in the device decreases, and the amount of the decrease is transferred from the bank account of the management company to the bank account of the agent.

When the management company supplies cash to the cash handling device 100 of the agent store (C1), ownership of the cash is transferred from the management company to the agent. Accordingly, the management terminal 200 recognizing that the cash has been replenished instructs the bank server 300 to perform an account process of moving the funds of the replenishment amount from the agent's bank account to the management company's bank account. Thereby, the bank server 300 performs a transfer process of moving the supplementary amount of money from the agent's bank account to the management company's bank account (C2). In this way, in the cash processing device 100 of the agent store, when the amount of cash of a certain currency is lower than the replenishment threshold value and the management company replenishes the cash processing device 100 with the cash, the cash owned by the agent in the device increases, and the increase is transferred from the bank account of the agent to the bank account of the management company.

The instruction to execute the account process to the bank server 300 is not limited to the method performed by the management terminal 200, and may be a method performed by an agent or a customer B using a portable communication terminal held by the agent or customer B. For example, a method may be used in which an agent operates a mobile communication terminal such as a smartphone to connect to an online service of a bank, and inputs information such as an account number necessary for account processing to perform account processing.

In the withdrawal process, the agent may collect a commission fee from the customer B. The commission may be a fixed amount, or may be calculated by multiplying the withdrawal amount by a predetermined ratio. The charge may be collected by cash of an amount obtained by subtracting the charge when cash is dispensed from the cash processing device 100, or by moving funds of an amount obtained by adding the charge from the bank account of the customer B to the bank account of the agent when the account is processed.

When the management terminal 200 instructs the bank server 300 to execute the account process, information necessary for the account process is transmitted to the bank server 300. The management terminal 200 acquires information on the amount of money deposited to the cash processing device 100 and the amount of money dispensed from the cash processing device 100 and transmits the information to the bank server 300. Information related to the bank account of the management company and the bank account of the agent is managed in advance by the management terminal 200, and the management terminal 200 transmits the information to the bank server 300.

The information on the bank account of the customer may be a method in which the management terminal 200 manages account information including the account number of the customer in advance in association with identification information of the customer, and receives input of the identification information of the customer to specify the account information.

The management terminal 200 may be configured to input account information to the management terminal 200 every time cash is accessed in a store without storing account information of a customer. The account information of the customer may be input by an input device such as a keyboard, or may be input by reading a graphic code such as a barcode or a two-dimensional code obtained by encoding the account information by a reading device such as a scanner or a camera. For example, the customer may hold a medium such as a bankbook or a cash card containing a graphic code, and cause a reading device to read the graphic code from the medium, thereby inputting the account information to the management terminal 200. Further, for example, the customer may operate a mobile communication terminal such as a smartphone of the customer, input information such as an account number to generate a graphic code, and cause a reading device to read the graphic code, thereby inputting account information to the management terminal 200.

The bank pays a bonus to the management company according to the result of the account processing. For example, in the case where the total amount of cash deposited into the bank account by each customer exceeds the total amount of cash withdrawn from the bank account by each customer through a plurality of account processes performed during a predetermined period, the bank server 300 executes an account process of transferring the bonus money to the bank account of the management company. In other words, as a result of the account processing performed by the customer who has accessed cash in the cash processing device 100, when the amount obtained by summing the balances of the bank accounts of the customers increases compared to the time traced back for the predetermined period, the award money is transferred to the bank account of the management company.

The management terminal 200 manages information on the deposit processing and the withdrawal processing performed in each store in association with information on the account processing performed by the bank server 300 in association with the cash processing. For example, the management terminal 200 determines whether or not the total amount of cash deposited into the bank account by each customer through account processing for a predetermined period exceeds the total amount of cash withdrawn from the bank account by each customer, and reports the determination result to the bank server 300. After receiving the report, the bank server 300 performs a transfer process of the bonus money.

The amount of the bonus money may be a fixed amount, or may be calculated by multiplying an amount obtained by subtracting the total amount of cash that each customer withdraws from the bank account from the total amount of cash that each customer deposits into the bank account for a predetermined period by a predetermined ratio.

The management terminal 200 may allocate the bonus money to the management company and the agent in accordance with a ratio of an amount obtained by subtracting a total amount of cash withdrawn from the bank account by each customer from a total amount of cash deposited in the bank account by each customer in the management company store for a predetermined period and an amount obtained by subtracting a total amount of cash withdrawn from the bank account by each customer from a total amount of cash deposited in the bank account by each customer in the agent store for the same period, and instruct the bank server 300 to perform an account process of transferring a share due to the agent in the bonus money from the bank account of the management company to the bank account of the agent.

The processing of the bonus money may be performed separately for the management company store and the agent store. In this case, for example, the management terminal 200 may determine whether the bonus money can be obtained from the bank based on an account process with cash processing performed in a management company store for a predetermined period, and when the bonus money can be obtained, instruct the bank server 300 to execute an account process of transferring the bonus money to a bank account of the management company. Similarly, the management terminal 200 may determine whether the bonus money can be obtained from the bank based on an account process accompanying a cash process performed in the agent store for a predetermined period, and when the bonus money can be obtained, instruct the bank server 300 to perform an account process of transferring the bonus money to an account of the agent bank account.

In this way, in the financial transaction system, the amount of money that is accessed by the customer by accessing cash in the cash processing device 100 installed in the store is immediately reflected in the balance of the bank account of the customer. In addition, since cash is stored in a storage portion in a safe provided in the cash handling device 100, security of cash can be ensured.

Next, the structure of the financial transaction system will be described. Fig. 2 is a diagram showing an example of the configuration of the financial transaction system. Fig. 2 shows 2 stores, but the number of stores is not particularly limited, and a plurality of management company stores or a plurality of agent stores may be provided. Further, although one cash processing device 100, one operation terminal 110, and one surveillance camera 120 are shown in each store, a plurality of cash processing devices 100 may be installed in a store, and a plurality of operation terminals 110 and surveillance cameras 120 may be installed in correspondence with these devices. In addition, although the mobile communication terminal 400 used by one customer is shown in each store, the number of mobile communication terminals 400 used in a store is not limited, and each customer who is present in each store uses its own mobile communication terminal 400. In addition, the mobile communication terminal 400 held by the person in charge of the management company and the agent may be used.

The management terminal 200 is communicably connected with the bank server 300. The management terminal 200 is communicably connected to the operation terminal 110, and the cash processing device 100 and the monitoring camera 120 are communicably connected to the operation terminal 110. The monitoring camera 120 may be directly connected to the management terminal 200 without passing through the operation terminal 110, or the cash processing device 100 may be directly connected to the management terminal 200 without passing through the operation terminal 110. Note that the cash processing device 100 may also have the function of the operation terminal 110, or the cash processing device 100 may also have the function of the monitoring camera 120. The operation terminal 110 may also have the function of the monitoring camera 120.

The cash processing device 100 is capable of executing various cash processes including a deposit process for receiving cash from outside the device and performing recognition and counting and storing the cash in a storage unit inside the device, and a withdrawal process for transferring the dispensed cash from the storage unit inside the device and discharging the cash to outside the device. The cash handled by the cash handling device 100 includes at least one of banknotes and coins. Since a device for storing and taking out bills and coins is known in the related art, a detailed description thereof is omitted.

The operation terminal 110 is, for example, a computer device including an operation unit, a display unit, and a storage unit. The person in charge, the agent, and the customer of the management company can operate the operation terminal 110 to cause the cash processing device 100 to execute the cash processing. When the cash processing is executed, the denomination and the number of sheets per denomination of cash stored in the storage unit in the cash processing device 100 change. The operation terminal 110 manages stock information indicating the denomination and the number of sheets per denomination of cash in the cash processing device 100. The operation terminal 110 transmits the inventory information to the management terminal 200. When cash processing is performed in response to a request from a customer, the operation terminal 110 receives an input of account information of the customer and transmits the input to the management terminal 200.

The monitoring camera 120 photographs the cash processing device 100 and the operation terminal 110. The monitoring camera 120 is provided at a position capable of photographing a person in charge, an agent, or a customer of a management company performing cash processing. The operation terminal 110 transmits the monitoring image captured by the monitoring camera 120 during a period from the start to the end of the cash processing in the cash processing device 100 to the management terminal 200 together with information relating to the cash processing.

In the management terminal 200, identification information of each store, date and time of cash processing, information of cash accessed in the cash processing, and surveillance video are managed in association with each other. Specifically, the monitoring video transmitted from the monitoring camera 120 to the management terminal 200 is stored in the management terminal 200 as main image data. The management terminal 200 receives information indicating the start time and the end time of the cash processing performed in the cash processing device 100 from the operation terminal 110. The management terminal 200 cuts out a monitoring video image at the time of cash processing from the main image data based on the information received from the operation terminal 110, and manages the monitoring video image in association with other information related to the cash processing. Thus, for example, when it is necessary to confirm the contents of cash processing performed in a certain store, the person in charge of the management company can confirm the information of the accessed cash by using the operation terminal 110 or another device, and can reproduce a monitoring image at the time of cash processing to confirm that the cash is accessed. In addition, since the main image data also includes a monitoring video other than the cash processing time, the main image data can be reproduced and confirmed if necessary.

The management terminal 200 is, for example, a computer device including a storage unit. The management terminal 200 may include an operation section and a display section. The management terminal 200 manages stock information of each cash processing device 100. The management terminal 200 manages information and monitoring images of cash processing performed in each cash processing device 100 of each store. The management terminal 200 transmits account information of a management company or an agent and account information of a customer acquired by the operation terminal 110 to the bank server 300, and instructs execution of account processing, which will be described in detail later.

The portable communication terminal 400 is a portable communication terminal having an operation unit and a display unit. For example, a smartphone is used as the portable communication terminal 400. The customer receives the notification from the bank server 300 at the portable communication terminal 400, and can check account information such as the content of the transfer process performed in the bank account of the customer and the account balance.

The bank server 300 is, for example, a computer device including a storage unit. The bank server 300 may include an operation part and a display part. The bank server 300 receives the account information from the management terminal 200 and performs account processing. After the completion of the account processing, the bank server 300 notifies a notification destination registered in advance of information relating to the account processing. For example, the management terminal 200 and the mobile communication terminal 400 are registered as notification destinations. The information notified to the management terminal 200 is displayed on the screen of the display unit provided in the operation terminal 110. This enables the person in charge and the agent of the management company to confirm the content of the account processing performed by the bank server 300.

For example, when a customer performs a deposit process in the cash processing device 100 and transfers money from a bank account of a management company or an agent to a bank account of the customer, information indicating completion of the transfer and information indicating the amount of the transfer and the source of the transfer are notified to the mobile communication terminal 400 used by the customer. The customer can confirm that the amount of cash deposited in the cash processing device 100 is transferred from another account to the bank account of the customer and the balance is increased, based on the notified information.

When a customer performs a withdrawal process in the cash processing device 100 and transfers money from a bank account of the customer to a bank account of a management company or an agent, information indicating completion of the transfer and information indicating the amount of the transfer and a transfer destination are notified to the mobile communication terminal 400 used by the customer. The customer can confirm that the amount of money of the cash dispensed from the cash processing device 100 is transferred from the bank account of the customer to another account and the balance is reduced, based on the notified information.

Next, a process performed in the financial transaction system will be specifically described. Fig. 3 is a schematic diagram for explaining a deposit process performed at a management company store and an account process performed along with the deposit process. A customer who wants to deposit cash 20 into the bank account 40 inputs account information 10 recorded in a bankbook, cash card, or the like to the operation terminal 110 (S1). The input may be performed by an operation unit of the operation terminal 110, or may be performed by causing a reading device connected to the operation terminal 110 to read a graphic code that encodes the account information 10.

The customer deposits the cash 20, which is desired to be deposited into the bank account 40, into the cash handling device 100 (S2). The cash processing device 100 executes a deposit process of recognizing and counting the deposited cash 20 and storing the same in a storage part in the device (S3). The cash processing device 100 inputs the amount of the deposited cash 20, that is, the deposit amount, to the operation terminal 110. The monitoring image captured by the monitoring camera 120 is also input to the operation terminal 110.

The operation terminal 110 transmits deposit information including account information of the customer, date and time of the deposit process, the amount of the deposit, and a monitoring image in the deposit process to the management terminal 200 (S4). The management terminal 200 instructs the bank server 300 to perform a transfer process of transferring funds by moving the deposit amount from the bank account 30 of the management company to the bank account 40 of the customer (S5). The bank server 300 performs a transfer process of moving the funds of the deposit amount from the bank account 30 of the management company to the bank account 40 of the customer (S6). When the transfer process is completed, the management terminal 200 starts management of information related to the deposit process (S7). The information managed by the management terminal 200 includes the date and time of the deposit process, the deposit amount, and the monitoring image performed by the cash processing device 100, and the date and time of the transfer process, the transfer amount, account information of a management company of the transfer source, and account information of a customer of the transfer destination performed by the bank server 300. The management terminal 200 associates these pieces of information with each other and manages them.

The bank server 300 transmits a notice of completion of the transfer to the portable communication terminal 400 of the customer (S8). The customer can confirm that the money of the amount of money deposited in the cash processing device 100 is transferred to the bank account 40 of the customer and the balance of the bank account of the customer is increased, based on the notification received in the mobile communication terminal 400.

As shown in fig. 3, when a customer deposits P-dollar cash 20 into the cash processing device 100, the stock of cash stored in the cash processing device 100 is increased by P dollars. P dollars are transferred from the bank account 30 of the management company to the bank account 40 of the customer, the balance of the bank account 30 of the management company is decreased by P dollars, and the balance of the bank account 40 of the customer is increased by P dollars. The balance of the bank account 40 of the customer is increased by the amount of the cash 20 to be deposited into the cash processing device 100, and the state can be the same as the case where the cash 20 is deposited into the bank account 40.

Fig. 4 is a schematic diagram for explaining a withdrawal process performed in a management company store and an account process performed along with the withdrawal process. A customer who wants to withdraw cash 21 from the bank account 40 inputs account information 10 recorded in a bankbook, cash card, or the like to the operation terminal 110 (S11). The input may be performed by an operation unit of the operation terminal 110, or may be performed by causing a reading device connected to the operation terminal 110 to read a graphic code that encodes the account information 10.

The account information 10 is transmitted from the operation terminal 110 to the management terminal 200. The management terminal 200 inquires the bank server 300 about the balance of the bank account 40 of the customer based on the account information 10 (S12). The management terminal 200 sets the balance of the bank account 40 of the customer found by the inquiry as the upper limit amount of cash that the customer can withdraw from the cash processing device 100. When the withdrawal amount is input to operation terminal 110, operation terminal 110 transmits withdrawal information including the withdrawal amount to management terminal 200 (S13).

When the withdrawal amount exceeds the upper limit amount, the management terminal 200 notifies the operation terminal 110 of the upper limit amount and requests a change of the withdrawal amount. When the withdrawal amount changed to the upper limit amount or less by the operation terminal 110 is transmitted to the management terminal 200 again, the following process is performed.

Further, the operation terminal 110 may receive the upper limit amount from the management terminal 200 and display the upper limit amount on the screen of the display unit before accepting the withdrawal amount. In this case, the customer can input the withdrawal amount to the operation terminal 110 within a range not exceeding the upper limit amount displayed on the screen of the operation terminal 110. Alternatively, after the operation terminal 110 accepts the withdrawal amount, the balance of the bank account 40 of the customer may be inquired to determine whether or not the withdrawal amount can be extracted from the bank account 40.

When a withdrawal amount equal to or less than the upper limit amount extractable from the bank account 40 of the customer is input to the operation terminal 110, the management terminal 200 instructs the bank server 300 to perform a transfer process of transferring funds of the withdrawal amount from the bank account 40 of the customer to the bank account 30 of the management company (S14). The bank server 300 performs a transfer process of moving money of the withdrawal amount from the bank account 40 of the customer to the bank account 30 of the management company (S15). When the transfer process is completed, the management terminal 200 instructs the operation terminal 110 to execute the withdrawal process (S16). As a result, the cash processing device 100 executes the dispensing process (S17), and the customer can receive the cash 21 dispensed from the cash processing device 100 (S18).

When the dispensing process is completed, the date and time of the dispensing process and the monitoring image during the dispensing process are transmitted from the operation terminal 110 to the management terminal 200, and the management terminal 200 starts management of information related to the dispensing process (S19). The information managed by the management terminal 200 includes the date and time of the withdrawal process performed by the cash processing device 100, the withdrawal amount, and the monitoring image, and the date and time of the transfer process performed by the bank server 300, the transfer amount, account information of the management company of the transfer destination, and account information of the customer of the transfer source. The management terminal 200 associates these pieces of information with each other and manages them.

The bank server 300 transmits a notice of completion of the transfer to the portable communication terminal 400 of the customer (S20). The customer can confirm that the amount of money of the cash 21 dispensed from the cash processing device 100 is transferred from the bank account 40 of the customer to the bank account 30 of the management company and the balance of the bank account of the customer is decreased, based on the notification received in the mobile communication terminal 400.

As shown in fig. 4, when a customer withdraws Q-ary cash 21 from the cash processing apparatus 100, the stock of cash stored in the cash processing apparatus 100 is reduced by Q. Q is transferred from the customer's bank account 40 to the management company's bank account 30, the balance of the management company's bank account 30 is increased by Q, and the balance of the customer's bank account 40 is decreased by Q. The balance of the bank account 40 of the customer is reduced by the amount of the cash 21 dispensed from the cash processing device 100, and the same state can be achieved as in the case where the cash 21 is withdrawn from the bank account 40.

When a setting is made to receive a commission charge from a customer at the time of withdrawal, the commission charge is collected at the time of withdrawal processing in a store or transfer processing in the bank server 300. When a commission fee is collected at the time of the withdrawal processing, the cash processing device 100 dispenses cash of an amount obtained by subtracting the commission fee from the withdrawal amount. In the case where a commission is imposed at the time of transfer processing, funds in an amount of the withdrawal amount plus the commission amount are transferred from the bank account 40 of the customer to the bank account 30 of the management company. When a commission fee is collected from the bank account 40 of the customer, the upper limit amount of cash that the customer can withdraw from the cash processing device 100 is the amount obtained by subtracting the commission fee from the balance of the bank account 40. The management terminal 200 manages the information related to the commission charge in association with other information.

Fig. 5 is a schematic diagram for explaining a deposit process performed at the agent store and an account process performed along with the deposit process. A customer who wants to deposit cash 22 into the bank account 40 inputs account information 10 recorded in a bankbook, cash card, or the like to the operation terminal 110 (S31). The input may be performed by an operation unit of the operation terminal 110, or may be performed by causing a reading device connected to the operation terminal 110 to read a graphic code that encodes the account information 10.

The customer deposits the cash 22, which is desired to be deposited into the bank account 40, into the cash handling device 100 (S32). The cash processing device 100 executes a deposit process of recognizing and counting the deposited cash 22 and storing the cash in a storage portion in the device (S33). The cash processing device 100 inputs the amount of the cash 22 to be deposited, that is, the deposit amount, to the operation terminal 110. The monitoring image captured by the monitoring camera 120 is also input to the operation terminal 110.

The operation terminal 110 transmits deposit information including account information of the customer, date and time of the deposit process, the amount of the deposit, and a monitoring image in the deposit process to the management terminal 200 (S34). The management terminal 200 instructs the bank server 300 to perform a transfer process of transferring funds by moving the deposit amount from the agent 'S bank account 50 to the customer' S bank account 40 (S35). The bank server 300 performs a transfer process of moving the funds of the deposit amount from the agent 'S bank account 50 to the customer' S bank account 40 (S36). When the transfer process is completed, the management terminal 200 starts management of information related to the deposit process (S37). The information managed by the management terminal 200 includes the date and time of the deposit process, the deposit amount, and the monitoring image performed by the cash processing device 100, and the date and time of the transfer process, the transfer amount, account information of the agent of the transfer source, and account information of the customer of the transfer destination performed by the bank server 300. The management terminal 200 associates and manages these pieces of information.

The bank server 300 transmits a notice of completion of the transfer to the portable communication terminal 400 of the customer (S38). The customer can confirm that the money of the amount of money deposited in the cash processing device 100 is transferred to the bank account 40 of the customer and the balance of the bank account of the customer is increased, based on the notification received at the mobile communication terminal 400.

As shown in fig. 5, when the customer deposits the R-dollar cash 22 in the cash processing device 100, the stock of the cash stored in the cash processing device 100 is increased by R dollars. The transfer of the R-gram is made from the agent's bank account 50 to the customer's bank account 40, the balance of the agent's bank account 50 is decreased by the R-gram, and the balance of the customer's bank account 40 is increased by the R-gram. The balance of the bank account 40 of the customer is increased by the amount of the cash 22 to be deposited into the cash processing device 100, and the state can be the same as the case where the cash 22 is deposited into the bank account 40.

After that, when the R-dollar amount of cash 24 is collected from the cash handling device 100 by the management company (S40), the bank server 300 is instructed from the management terminal 200 to perform a transfer process of transferring the R-dollar amount of money from the bank account 30 of the management company to the bank account 50 of the agent, and the bank server 300 performs the transfer process (S41). As a result, the stock of the cash stored in the cash processing device 100 returns to the state before the deposit processing is executed, and the balance of the bank account 50 of the agent also returns to the state before the deposit processing is executed. Note that, for the sake of simplicity of explanation, the collection of cash is explained by taking 1 time of deposit processing as an example, but actually, the deposit processing amounts of a plurality of times are collectively processed. The management terminal 200 manages information at the time of each deposit process, and thus can collectively process the multiple deposit processing amounts using the information.

Fig. 6 is a schematic diagram for explaining a withdrawal process performed in the agent store and an account process performed along with the withdrawal process. A customer who wants to withdraw cash 24 from the bank account 40 inputs account information 10 recorded in a bankbook, cash card, or the like to the operation terminal 110 (S51). The input may be performed by an operation unit of the operation terminal 110, or may be performed by causing a reading device connected to the operation terminal 110 to read a graphic code that encodes the account information 10.

The account information 10 is transmitted from the operation terminal 110 to the management terminal 200. The management terminal 200 inquires the bank server 300 about the balance of the bank account 40 of the customer based on the account information 10 (S52). The management terminal 200 sets the balance of the bank account 40 of the customer to the upper limit amount of cash that the customer can withdraw from the cash processing device 100. When the withdrawal amount is input to operation terminal 110, operation terminal 110 transmits withdrawal information including the withdrawal amount to management terminal 200 (S53).

When the withdrawal amount exceeds the upper limit amount, the management terminal 200 notifies the operation terminal 110 of the upper limit amount and requests a change of the withdrawal amount. When the withdrawal amount changed to the upper limit amount or less in the operation terminal 110 is transmitted to the management terminal 200 again, the following processing is performed.

When a withdrawal amount equal to or less than the upper limit amount extractable from the bank account 40 of the customer is input to the operation terminal 110, the management terminal 200 instructs the bank server 300 to perform a transfer process of transferring funds of the withdrawal amount from the bank account 40 of the customer to the bank account 50 of the agent (S54). The bank server 300 performs a transfer process of moving money of the withdrawal amount from the bank account 40 of the customer to the bank account 50 of the agent (S55). When the transfer process is completed, the management terminal 200 instructs the operation terminal 110 to perform a withdrawal process (S56). As a result, the cash dispensing process is executed in the cash processing device 100 (S57), and the customer can receive the cash 24 dispensed from the cash processing device 100 (S58).

When the dispensing process is completed, the date and time of the dispensing process and the monitoring image during the dispensing process are transmitted from the operation terminal 110 to the management terminal 200, and the management terminal 200 starts management of information related to the dispensing process (S59). The information managed by the management terminal 200 includes the date and time of the withdrawal process performed by the cash processing device 100, the withdrawal amount, and the monitoring image, and the date and time of the transfer process performed by the bank server 300, the transfer amount, account information of the customer who is the transfer source, and account information of the agent who is the transfer destination. The management terminal 200 associates and manages these pieces of information.

The bank server 300 transmits a notice of completion of the transfer to the portable communication terminal 400 of the customer (S60). The customer can confirm that the amount of money of the cash 24 dispensed from the cash processing device 100 is transferred from the bank account 40 of the customer to the bank account 50 of the agent and the balance of the bank account of the customer is decreased, based on the notification received by the mobile communication terminal 400.

As shown in fig. 6, when the customer withdraws S the S-dollar cash 24 from the cash processing device 100, the stock of the cash stored in the cash processing device 100 is reduced by S dollars. The transfer of the S dollar is made from the customer 'S bank account 40 to the agent' S bank account 50, the balance of the agent 'S bank account 50 is increased by the S dollar, and the balance of the customer' S bank account 40 is decreased by the S dollar. The balance of the bank account 40 of the customer is reduced by the amount of the cash 24 dispensed from the cash processing device 100, and the state can be the same as the case of withdrawing the cash 24 from the bank account 40.

After that, when the cash 25 of S dollars is replenished to the cash processing device 100 by the management company (S62), the bank server 300 is instructed from the management terminal 200 to execute the transfer process of transferring the funds by the amount of S dollars from the bank account 50 of the agent to the bank account 30 of the management company, and the bank server 300 executes the transfer process (S63). As a result, the stock of cash stored in the cash processing device 100 returns to a state before the execution of the dispensing process, and the balance of the bank account 50 of the agent also returns to a state before the execution of the dispensing process. Note that, although the dispensing process of 1 time is described as an example for simplicity of description, actually, the dispensing process amounts of a plurality of times are collectively processed. Since the management terminal 200 manages information at the time of each withdrawal process, a plurality of withdrawal processes can be collectively handled using the information.

When a commission charge is set to be received from the customer at the time of withdrawal, the commission charge is collected at the time of withdrawal processing in the store or transfer processing in the bank server 300. When a commission fee is collected at the time of the withdrawal processing, the cash processing device 100 dispenses cash of an amount obtained by subtracting the commission fee from the withdrawal amount. In the case where a commission is imposed at the time of transfer processing, funds of an amount obtained by adding the commission to the withdrawal amount are transferred from the bank account 40 of the customer to the bank account 50 of the agent. When the commission charge is collected from the bank account 40 of the customer, the upper limit amount of cash that the customer can withdraw from the cash processing device 100 is the amount obtained by subtracting the commission charge from the balance of the bank account 40. The management terminal 200 manages the information related to the commission charge in association with other information.

When the management company receives all or a part of the commission fees collected from the customers, for example, when funds of the supplementary amount are transferred from the bank account 50 of the agent to the bank account 30 of the management company, the transfer process of the commission fees is performed. Specifically, a transfer process is performed in which funds of an amount obtained by adding a commission fee to the amount of cash replenished to the cash processing device 100 are transferred from the agent's bank account 50 to the management company's bank account 30. Since the management terminal 200 manages information at the time of each dispensing process, the process fee for the dispensing process for a plurality of times can be collectively handled by using the information. However, the method is not limited to the method in which the management company collects the commission fee from the customer via the bank account 50 of the agent. For example, in the transfer process from the bank account 40 of the customer to the bank account 50 of the agent, the bank server 300 may perform a separate transfer process of transferring funds by a commission amount from the bank account 40 of the customer to the bank account 50 of the agent.

The configuration of the financial system shown in the present embodiment is a functional outline configuration, and the configuration of the financial system is not physically limited to this configuration. For example, in the example shown in fig. 2, the cash processing device 100 may be configured to implement a part or all of the functions and operations of the operation terminal 110. The method of dispersing and combining the devices is not limited to the above example, and all or a part of the devices may be functionally or physically dispersed and combined in arbitrary units according to various loads, use situations, and the like.

In the present embodiment, an example of transferring funds is described using a bank account as an example, but funds may be transferred using an account other than a bank account. For example, the transfer process to the bank account 40 of the customer in fig. 3 may be performed by digital currency owned by a management company, or the like, and similarly, the transfer process to the bank account 40 of the customer in fig. 5 may be performed by digital currency owned by an agent.

As described above, in the financial transaction system according to the present embodiment, the customer deposits cash into the cash processing device provided in the store to perform account processing, and the balance of the bank account of the customer increases, so that the same processing result as that obtained when cash is deposited into the bank account can be obtained. Further, the customer withdraws cash from the cash handling device provided in the store to perform account processing, and the balance of the bank account of the customer decreases, so that the same processing result as that obtained when cash is withdrawn from the bank account can be obtained. Even in a store or an ATM region where a bank is not present, the bank can provide the same service as in the case where the bank is present to the customer.

Industrial applicability

As described above, the financial transaction method and the financial transaction system of the present disclosure are useful for: the customer accesses cash in the cash handling device, and can obtain the same result as in the case of depositing or withdrawing cash to or from the bank account of the customer.

Claims

1. A method of financial transaction, comprising:

a step in which a cash processing device accepts cash deposited into a bank account of a customer and executes a deposit process;

a step in which the management terminal transmits, to a bank server, a deposit amount deposited to the cash processing device and information of a bank account required for account processing of the deposit amount;

a step in which the bank server performs an account process of transferring the deposit amount from a bank account of an agent to a bank account of the customer; and

when a management company withdraws cash from the cash processing device, the bank server performs an account process of transferring a withdrawal amount from a bank account of the management company to a bank account of the agent.

2. A method of financial transactions, comprising:

a cash processing device for executing a withdrawal process for dispensing cash drawn from a bank account of a customer;

a step in which the management terminal transmits, to a bank server, a withdrawal amount dispensed from the cash processing device and information on a bank account required for account processing of the withdrawal amount;

a step in which the bank server performs an account process of transferring the withdrawal amount from the bank account of the customer to a bank account of an agent; and

when a management company replenishes cash to the cash processing device, the bank server performs an account process of transferring a replenishment amount from the agent's bank account to the management company's bank account.

3. The financial transaction method of claim 2,

when the withdrawal processing is performed, the cash processing device dispenses cash in which an amount of money obtained by subtracting a commission charge collected from the customer from the withdrawal amount is used.

4. The financial transaction method according to claim 2 or 3,

when an account process of transferring the withdrawal amount from the bank account of the customer to the bank account of the agent is performed, a commission charge collected from the customer is transferred together with the withdrawal amount.

5. The financial transaction method of claim 1 or 2, further comprising:

the bank server may further execute an account process of transferring the award money paid from the bank to a bank account of the management company when a total amount of cash deposited into the bank by each customer exceeds a total amount of cash withdrawn from the bank by each customer through a plurality of account processes performed during a predetermined period.

6. The financial transaction method of claim 1 or 2, further comprising:

the bank server may further execute an account process of transferring the award money paid from the bank to the bank account of the agent when a total amount of cash deposited into the bank by each customer exceeds a total amount of cash withdrawn from the bank by each customer through a plurality of account processes performed by the bank account of the agent for a predetermined period.

7. A financial transaction system, comprising:

a cash processing device which accepts cash deposited into a bank account of a customer and executes deposit processing; and

a management terminal for transmitting the deposit amount deposited to the cash processing device and information of a bank account required for account processing of the deposit amount to a bank server,

in the bank server, an account process of transferring the deposit amount from a bank account of an agent to a bank account of the customer and an account process of transferring a withdrawal amount from a bank account of a management company to a bank account of the agent when the management company withdraws cash from the cash processing apparatus are performed.

8. A financial transaction system, comprising:

a cash processing device that executes a withdrawal process for receiving a withdrawal amount drawn from a bank account of a customer and dispensing cash; and

a management terminal for sending the withdrawal amount and information of a bank account required for account processing of the withdrawal amount to a bank server,

in the bank server, an account process of transferring the withdrawal amount from the bank account of the customer to a bank account of an agent, and an account process of transferring a replenishment amount from the bank account of the agent to the bank account of the management company when the management company replenishes cash to the cash processing device are performed.