JP2002041786A - Cash dispenser system and cash dispenser - Google Patents

Abstract

PROBLEM TO BE SOLVED: To actualize a system which makes it possible to withdraw cash through operation conforming to telephone banking, etc., and also makes it possible to withdraw cash without a cash card. SOLUTION: This system is composed of a host device 1 of a financial institution, a cash dispenser 3 that a cashing service provider manages, and a line 2 which connects those host device 1 and cash dispenser 3. A user who has an account of the financial institution inputs data to the cash dispenser 3 by following the transfer procedure of telephone banking, Internet banking, etc. The inputted data are transmitted to the host device 1 through the line 2. The host device 1 transfers the amount obtained by adding a service commission to a withdrawn amount from the account of the user to the account of the cashing service provider and the cash dispenser 3 discharges the cash corresponding to the withdrawn amount.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash dispensing system and an automatic cash dispenser capable of withdrawing cash by operating procedures such as telephone banking and internet banking.

[0002]

2. Description of the Related Art By connecting a communication terminal device such as a telephone or a PC (personal computer) to a host computer of a bank by a line and operating the communication terminal device, a deposit balance inquiry, a deposit / withdrawal inquiry, a transfer process, and a transfer. Services such as telephone banking and Internet banking that can perform various transaction processing such as processing have been put to practical use. However, such a service has a drawback that cash cannot be withdrawn.

[0003] On the other hand, in a cash dispenser, cash is paid by inserting a bank cash card and entering a password and a withdrawal amount. However, a cash card must be carried. If you do, you will not be able to withdraw cash. For this reason, it is very inconvenient to forget the cash card even if cash is required at a place where the user is going out or traveling.

[0004]

SUMMARY OF THE INVENTION In view of the above-mentioned situation, the present invention provides a cash transfer method based on the operation of telephone banking, etc., by interlocking the transfer processing by telephone banking and the dispensing processing by a cash dispenser. It is an object of the present invention to realize a system capable of withdrawing cash without having a cash card by using an identity verification function such as telephone banking.

[0005]

The present invention is roughly divided into an immediate processing type system and a division processing type system.
In the immediate processing type system, predetermined data input and payment processing are performed as a series of procedures in a cash dispenser. On the other hand, in the split-processing system, a two-step procedure is performed in which predetermined data is input in advance in a terminal device such as a telephone, and thereafter, a dispensing process is performed in a cash dispenser. The immediate processing type system has an advantage that a dispensing procedure can be performed only with a cash dispenser without a terminal device. On the other hand, the split processing type system has an advantage that the operation procedure in the cash dispenser can be simplified and the operation time can be shortened by inputting data in advance.

The real-time processing system is constituted by a host device of a financial institution, a cash dispenser managed by a cashing service provider, and a line connecting the host device and the cash dispenser. When a user who has an account at a financial institution inputs personal identification data and withdrawal amount data at a cash dispenser, the data is entered in accordance with the operation procedure of Electronic Banking such as telephone banking. . The input data is transmitted to the host device via the line. The host device, based on the data,
The amount obtained by adding the service fee to the withdrawal amount is transferred from the user's account to the cashing service provider's account, and the cash dispenser releases cash corresponding to the withdrawal amount (claims 1 and 2).

[0007] On the other hand, the split processing type system comprises a host device of a financial institution, a cash dispenser managed by a cashing service provider, and a terminal device owned by a user who has an account with the financial institution. . The user inputs in advance personal identification data and withdrawal amount data in a terminal device such as a home telephone, a portable telephone, or a PC. Also in this case, data input is performed in accordance with the electronic banking operation procedure.
The input data is transmitted to the host device, and a transfer process is performed in the host device.
There are a transfer processing complete type (claim 3) and a transfer processing reservation type (claim 4).

In the case of the transfer processing complete type, the host device
The processing is completed by transferring the sum of the withdrawal amount and the service fee from the user's account to the cashing service provider's account. Thereafter, in the cash dispenser, when the user inputs the data for personal identification and approves the transaction contents, cash corresponding to the withdrawal amount is released. On the other hand, in the case of the transfer processing reservation type, the host device first performs a transfer reservation process for transferring an amount obtained by adding a service fee to a withdrawal amount, and reserves a necessary amount in a user's account. After that, at the cash dispenser, the user enters the data for identity verification and approves the transaction contents,
The transfer process is actually performed from the user's account to the cashing service provider's account, and cash can be withdrawn from the cash dispenser.

According to the present invention, in any of the instant processing system and the split processing system, the user can withdraw cash from a cash dispenser at any time in the same manner as in electronic banking without requiring a cash card. be able to. On the other hand, since a service fee remains in the account of the cashing service provider, the provider can earn profits from the service fee. In addition, for financial institutions such as banks, the cost of installing and operating cash dispensers can be reduced, the convenience of electronic banking can be promoted and promoted, and if a transfer fee is collected, revenue can be increased. Obtainable. FIG. 1 shows an example of the composition of a business when such a system of the present invention is adopted.

[0010] "Electronic banking" in this specification refers to various transaction processes such as deposit balance inquiry, deposit / withdrawal inquiry, transfer process, transfer process, etc., which connect a home or a company to a financial institution via a communication line and online. System. Such electronic banking includes, for example, telephone banking in which a button is operated according to voice guidance using a telephone, Internet banking in which a homepage of a financial institution is accessed from a PC or the like to operate on a screen, and a mobile phone (simplified mobile phone). There are various types such as mobile banking using a communication service (including a telephone) and TV banking in which a digital TV screen is operated with a remote controller. In this specification, the term "cash dispenser" refers not only to a device having only a cash payment function (CD), but also to a device having both a cash payment function and a cash deposit function (ATM) and a cash payment function. Also includes those to which functions other than (for example, bookkeeping) are added.

In the present invention, the division processing type system can be realized as a system using the Internet. In this case, the system is configured by the host device, the automatic teller machine, the terminal device, and the server. The data input by the terminal device is transmitted to the host device via the server, and is also recorded on the server. Further, data input at the cash dispenser is transmitted to a server, and collation with the data recorded at the server is performed. Therefore, in the case of the transfer processing complete type, communication with the host device becomes unnecessary in the processing of the cash dispenser.

Further, in the present invention, a portable terminal such as a portable telephone can be used as the terminal device. According to this, it is possible to perform a withdrawal procedure when necessary at an outing place or a travel destination, and the convenience is further improved. In addition, the cash dispenser is provided with a connection unit for connecting the portable terminal, and after the portable terminal is connected to the connection unit and the terminal is verified, the user inputs the data for personal identification. You may make it accept (claim 7). According to this, by reading and collating the terminal number of the portable terminal, the user does not need to input the contractor number and the like, and the operation is simplified. Further, in the case of a mobile phone, the verification may be performed by calling the telephone number displayed on the dispenser instead of connecting to the cash dispenser (claim 8).

Further, the portable terminal is provided with a position detecting means such as a GPS receiver to transmit data of the current position to a host device or the like, and the location of the cash dispenser installed near the current position from the host device or the like. The information may be received and displayed (claim 9). According to this, when withdrawing cash at a place such as going out, it is possible to easily confirm the location of the nearest cash dispenser on a map or the like.

In the present invention, a financial institution may centrally manage and operate the entire system without a caching service provider. In this case, it is not necessary to transfer money to a cashing service provider, so the transfer processing is replaced with a withdrawal processing, and the transfer reservation processing is replaced with a withdrawal reservation processing (claims 10 to 12).
In this case, the financial institutions include not only financial institutions such as banks, but also consumer financial companies. When a consumer finance company manages and operates a cash dispenser, the user receives a loan from the consumer finance company and withdraws cash, and the withdrawal amount is debited or withdrawn from the user's loan account. Make a reservation. Also, when a bank manages and operates a cash dispenser and a user withdraws cash using his or her own deposit as a source, the withdrawal amount must be deducted from the user's deposit account or a reservation for withdrawal must be made. When a user withdraws cash based on a loan from a bank or the like, a debit from a loan account or reservation for withdrawal is made in the same manner as in the case of a consumer finance company. In the case where a cashing service company is involved, the source of the transfer to the service company may be either a user's deposit or a loan to the user.

In the split processing type system, the withdrawal permission flag is set in a state where the processing such as transfer in the host device is completed and the withdrawal from the cash dispenser becomes possible.
By resetting the withdrawal permission flag when the cash dispenser has released the amount corresponding to the withdrawal amount, once the withdrawal is completed and the above flag is reset, the cash release is prohibited again. Therefore, it is possible to prevent double payment due to misuse (claim 13).

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 2 is a diagram showing an immediate processing type system which is an embodiment of the automatic cash payment system of the present invention. Reference numeral 1 denotes a host device including a host computer provided in a financial institution such as a bank, reference numeral 2 denotes a line, and reference numeral 3 denotes a cash dispenser connected to the host device 1 by a line 2. The cash dispenser 3 is installed in, for example, a shopping street, a shopping center, a convenience store, a gas station, a station, a bank, and the like, and is managed by a cashing service provider. Cashing service providers
Acquisition of cash dispenser 3 by purchase or lease,
This is installed in the above location. Note that the cashing service provider may be concurrently operated by a store or the like, or may be an independent provider.

FIG. 3 is a diagram schematically showing the appearance of the cash dispenser 3. As shown in FIG. Reference numeral 4 denotes a main body, on the front side of which is provided a touch panel 5, a cash outlet 6, a slip issuing unit 7, and a handling display unit 8. These are the same as those provided in known cash dispensers. However, the card reader is not provided, so that the structure is simplified and the cost is reduced.

FIG. 4 is a block diagram specifically showing the configurations of the host device 1 and the automatic teller machine 3. In the host device 1, reference numeral 11 denotes a communication unit for transmitting and receiving data to and from the cash dispenser 3 via the line 2, reference numeral 12 denotes a control unit including a CPU and memory, and reference numeral 13 denotes a data file in which transaction data and the like are stored. . In the automatic teller machine 3, reference numeral 14 denotes a communication unit for transmitting / receiving data to / from the host device 1 via the line 2, reference numeral 15 denotes an input unit for inputting data, and reference numeral 16
Is a display unit for displaying data and messages.
The display unit 16 constitutes the touch panel 5 of FIG. Reference numeral 17 denotes a bill processing unit that discriminates, conveys, and discharges bills, and reference numeral 18 denotes a coin processing unit that discriminates, conveys, and discharges coins, and these constitute a cash processing unit. 1
Reference numeral 9 denotes a printing unit for printing on a slip, and reference numeral 20 denotes a control unit including a CPU, a memory, and the like.

FIG. 5 and FIG. 6 are flow charts showing the operation of the immediate processing system having the above configuration. Hereinafter, the procedure for withdrawing cash will be described with reference to these. First, a screen 301 for selecting a transaction financial institution as shown in FIG. 7 is displayed on the touch panel 5 of the cash dispenser 3 (step S).
1). The user selects the financial institution 30 displayed on the screen 301.
Is selected from among the financial institutions with a deposit account (step S2). This selection is made by pressing the location of the corresponding financial institution with a finger, as is well known.

When a financial institution is selected, a signal is input from the input unit 15 of the cash dispenser 3 to the control unit 20.
The control unit 20 automatically dials the selected financial institution via the communication unit 14, and connects the cash dispenser 3 to the host device 1 via the line 2 (step S3). Subsequently, a contractor number input screen 302 as shown in FIG. 8 is displayed on the touch panel 5 of the cash dispenser 3 (step S).
4). The user inputs the key input unit 31 including the numeric keypad 32 and the correction key 33 displayed on the screen 302 from the key input unit 31.
A contractor number is entered (step S5). The contractor number is a number notified in advance by the financial institution to the user when the user makes an electronic banking contract with the financial institution. The entered contract number is
It is displayed in the contractor number display field 34 of the screen 302.

The contractor number is sent from the communication unit 14 to the host device 1 via the line 2, and the host device 1 determines whether the contractor number is correct (step S6). If the contractor number is not correct, a message to that effect is displayed as an error display (step S7), and the process returns to step S5 to accept the input of the contractor number again. If the contractor number is correct, a password number input screen 303 as shown in FIG. 9 is displayed (step S8). The user inputs a password through the key input unit 31 (step S9). In the personal identification number column 35 of the screen 303, the input personal identification number itself is not displayed, but an asterisk is displayed.

The password is transmitted from the communication unit 14 to the host device 1 via the line 2, and the host device 1 determines whether the password is correct (step S10). If the personal identification number is not correct, a message to that effect is displayed as an error display (step S11), and the process returns to step S9 to accept the input of the personal identification number again. If the password is correct, a confirmation number input screen 304 as shown in FIG. 10 is displayed (step S12). The user inputs a confirmation number from the key input unit 31 (step S13).

To input a confirmation number, a card 50 on which a confirmation number table 51 as shown in FIG. 13 is displayed is prepared. The card 50 has been issued to the user from a financial institution in advance. In the example of FIG. 10, the message 36 requesting the input of the number “C row C” is displayed. Therefore, referring to the card 50 of FIG. Input from 31. Again,
In the confirmation number field 37 of the screen 304, the entered confirmation number is not displayed, but an asterisk is displayed.

The confirmation number is sent from the communication unit 14 to the host device 1 via the line 2, and the host device 1 determines whether the confirmation number is correct (step S14). If the confirmation number is not correct, a message to that effect is displayed as an error display (step S15), and the process returns to step S13 to accept the input of the confirmation number again. If the confirmation number is correct, the process proceeds to step S16 in FIG. 6, and a withdrawal amount input screen 305 as shown in FIG. 11 is displayed. On this screen 305, a ten key 32, a correction key 33, a ten thousand key 38, a thousand key 39, a yen key 40, and a withdrawal amount display column 41 are displayed. The user inputs a withdrawal amount using the ten keys 32, the ten thousand key 38, and the thousand key 39 (step S17). The withdrawal amount is finally determined by pressing the yen key 40. When the correction key 33 is pressed during the input (step S18),
Returning to step S17, the withdrawal amount is input again.

Once the withdrawal amount is determined, the cash dispenser 3
In step S1, an automatic calculation of the commission is performed (step S1).
9). Here, the fees are a service fee paid to a cashing service provider and a transfer fee collected by a financial institution. Based on the calculation result, a transaction details screen 306 as shown in FIG. 12 is displayed on the touch panel 5 (step S20). The transaction details screen 306 displays a withdrawal amount of 4
2. The service fee 43, the transfer fee 44, and the debit amount 45 are displayed. Account withdrawal amount 45 is withdrawal amount 4
2, the service fee 43, and the transfer fee 44. The screen 306 displays a correction key 46, a cancel key 47, and a confirmation key 48. Instead of performing the fee calculation by the cash dispenser 3, the withdrawal amount data may be sent to the host device 1 and the fee calculation may be performed by the host device 1.

Referring to the transaction details screen 306, the user presses the confirmation key 48 to approve the transaction contents, presses the correction key 46 to correct the transaction contents, and cancels the key 47 to cancel the transaction contents. push. When the correction key 46 is pressed (step S22), the process returns to step S16,
Since the withdrawal amount input screen 305 of FIG. 11 is displayed, the withdrawal amount is corrected on this screen. Also, cancel key 47
Is pressed (step S23), the process returns to step S1,
Since the financial institution selection screen 301 of FIG. 7 is displayed,
Redo the operation from the beginning.

When the confirmation key 48 is pressed (step S2)
1) The transaction content is approved, and an approval signal is transmitted to the host device 1. Upon receiving this signal, the host device 1 determines whether or not the user's balance is equal to or greater than the withdrawal amount (the account withdrawal amount 45 in FIG. 12) (step S2).
4). If the deposit balance is smaller than the withdrawal amount, the balance is displayed as insufficient (step S25), and the process returns to step S16 to accept the input of a new withdrawal amount. Note that even if the user's deposit balance is less than the withdrawn amount in step S24, if the loan contract is concluded between the financial institution and the user and the withdrawn amount is within the range of the loan limit, Alternatively, the process may proceed to step S26 described below to transfer money to the account of a cashing service provider.

If the deposit balance is equal to or more than the withdrawal amount, the host device 1 transfers the sum of the withdrawal amount 42 and the service fee 43 from the user's account to the cashing service provider's account (step S26). In this case, the account number of the trader is linked to the machine number of the cash dispenser 3, and the host device 1 recognizes the machine number in communication with the cash dispenser 3, and based on this recognizes the transfer destination account. Identify. In addition, transfer fee 44
Is also deducted, which is collected by financial institutions. When the transfer process is completed, a withdrawal instruction signal is sent from the host device 1 to the cash dispenser 3, and when the cash dispenser 3 receives this signal (step S27), the printing unit 19 prints the transaction content on the slip. Then, this is issued from the slip issuing unit 7 (FIG. 3) (step S28). In addition, the bill processing unit 17
And the coin processing unit 18 is driven to release cash corresponding to the withdrawal amount from the cash outlet 6 (step S29), and a series of operations ends.

The cash dispenser 3 is loaded with cash in advance by a cashing service company.
Therefore, the cash drawn by the user was paid by the cashing service provider, and this payment was
Redemption is made by performing a transfer process from the user's account to the trader's account. Then, since the service fee is added to the amount transferred at this time, the cashing service provider manages the cash dispenser 3,
In return for the investment, you will earn revenue from service fees.

The operations on the screens shown in FIGS. 7 to 12 are based on the operations of the transfer procedure in electronic banking such as telephone banking and Internet banking. However, in this embodiment,
As described above, the account number of the transfer destination is automatically recognized on the host side, so there is no need to input this number. In addition, although the transfer is made from the user's account to another's account, the transfer amount is eventually withdrawn by the user excluding the commission, so in FIG. 11 and FIG. It is displayed as "withdrawal amount".

As described above, in the above system, a cashing service provider is interposed between the user and the financial institution, the transfer processing from the user account to the service provider account by telephone banking or the like, and the automatic cash transfer corresponding to the transfer amount. It is linked with withdrawal processing from the payment machine. As a result, the user uses the contractor number or confirmation number acquired based on the contract with the financial institution to perform the operation in the manner of a transfer procedure such as telephone banking and withdraws cash from the cash dispenser. be able to. Further, since the above procedure includes a function of confirming the identity, cash can be withdrawn without the need for a cash card. In addition, by the transfer process, the amount paid from the cash dispenser is redeemed and a service fee is charged to the account of the cashing service provider. In the above example, in order to enhance the security, three pieces of data, ie, a contractor number, a password, and a confirmation number, are input as the personal identification data. However, this is merely an example, and all three pieces are not necessarily required. It is not necessary to use it, and for example, an operation of omitting the input of the confirmation number may be performed.

FIG. 14 is a diagram showing a split processing type system which is another embodiment of the automatic cash payment system of the present invention. 1 is a host device of a financial institution, 2 is a line, 3 is a cash dispenser, and line 2 is composed of the Internet. Reference numeral 60 denotes a server connected to the Internet 2, which is, for example, a WWW (World Wide Web) server. The server 60 is provided with a website of a cashing service provider that manages the cash dispenser 3. Numeral 70 denotes a portable terminal, which here comprises a portable telephone. The portable terminal 70 can communicate with the host device 1 and the server 60 via the Internet 2 and can be connected to the automatic teller machine 3.

The configuration of the host device 1 is the same as the block diagram shown in FIG. FIG. 15 shows a block diagram of the server 60. 61 is a communication unit connected to the Internet 2; 62 is a control unit including a CPU and a memory;
Is a data file in which transaction data and the like are stored. FIG. 16 shows a block diagram of a portable terminal (mobile phone) 70. A communication unit 71 includes a transmitting / receiving antenna 71.
a. 72, an input unit composed of various keys;
Is a display unit composed of a liquid crystal display, etc., 74 is an audio input unit with a microphone, 75 is an audio output unit with a speaker, 76 is a connection interface with a connector for connecting to a cable, 77 is a CPU or memory, It is a control unit including an audio processing circuit and the like.

FIG. 17 is a diagram schematically showing the appearance of the cash dispenser 3. As shown in FIG. In FIG. 17, a connection interface 78 as a connection unit is added to the configuration of FIG.
The connection interface 78 includes a connector for connecting the mobile terminal 70 with a cable. Other main body 4, touch panel 5, cash outlet 6, slip issuing unit 7,
The handling display section 8 is the same as that in FIG.

FIG. 18 is a block diagram when the portable terminal 70 and the automatic teller machine 3 are connected by a cable 79. The cable 79 has connectors (not shown) at both ends, and these connectors are attached to the connectors of the connection interfaces 76 and 78, respectively, so that the portable terminal 70 and the automatic teller machine 3 are electrically connected. Connected. The configuration of the portion other than the connection interface 78 in the automatic teller machine 3 is the same as that shown in FIG.

FIGS. 19 to 21 are flow charts showing the operation of the divisional processing type system having the above configuration, and show the procedure in the case of the transfer processing complete type. 19 and 20 show the procedure in the portable terminal 70, and FIG. 21 shows the procedure in the cash dispenser 3. Hereinafter, the procedure for withdrawing cash will be described with reference to these.

First, the user connects the portable terminal 70 to the server 60 via the Internet 2 (step S3).
1). When the connection is established, a financial institution selection screen similar to that of FIG. 7 is displayed on the display unit 73 of the portable terminal 70 in accordance with the contents of the website of the server 60 (step S32). The user selects a financial institution having a deposit account from the financial institutions displayed on the screen (step S33). This selection is made, for example, by operating the cursor on the screen with the keys of the input unit 72.

When a financial institution is selected, communication with the host device 1 is performed via the server 60 thereafter.
That is, the control unit 77 of the portable terminal device 70
And automatically accesses the host device 1 of the selected financial institution via the server 60 from the antenna 71a and transmits the terminal number of the portable terminal 70 to the server 60. The transmitted terminal number is stored in the server 60
And is registered in the data file 63 (step S34).

Subsequently, the display 73 of the portable terminal 70 displays
A contractor number input screen is displayed (step S35).
This input screen is displayed, for example, as a screen obtained by removing key input unit 31 from screen 302 shown in FIG. The user inputs the contractor number using the keys of the input unit 72 of the portable terminal 70 (Step S36). The entered contractor number is displayed in the contractor number display field 34.

The contractor number is transmitted from the communication unit 71 to the server 60.
The data is sent to the host device 1 via the server 60 and recorded in the data file 63 of the server 60, and the host device 1 determines whether the contractor number is correct (step S37). As a result, if the contractor number is not correct, an error message to that effect is displayed on the display unit 73 (step S38). If the contractor number is correct, a password input screen is displayed (step S39). This input screen is displayed, for example, as a screen obtained by removing key input unit 31 from screen 303 shown in FIG. The user inputs a password through the input section 72 (step S40). In the personal identification number column 35, the entered personal identification number itself is not displayed, but an * mark is displayed.

The personal identification number is sent from the communication unit 71 to the host device 1 via the server 60, is recorded in the data file 63 of the server 60, and the host device 1 determines whether the personal identification number is correct (step S41). . As a result, if the password is not correct, an error message to that effect is displayed on the display unit 73 (step S42). If the password is correct, a confirmation number input screen is displayed (step S4).
3). This input screen is displayed as, for example, a screen obtained by removing key input unit 31 from screen 304 shown in FIG. The user inputs a confirmation number from the input unit 72 (Step S44). The confirmation number is input by looking at the card 50 in FIG. Also in this case, the input confirmation number is not displayed in the confirmation number column 37, but an * mark is displayed.

The confirmation number is sent from the communication unit 71 to the host device 1 via the server 60, is recorded in the data file 63 of the server 60, and the host device 1 determines whether the confirmation number is correct (step S45). . As a result, if the confirmation number is not correct, an error message to that effect is displayed on the display unit 73 (step S46). If the confirmation number is correct, the flow proceeds to step S47 in FIG. 20, and a withdrawal amount input screen is displayed. This input screen is displayed, for example, in FIG.
From the screen 305 shown in FIG.
It is displayed as a screen from which the 30,000 key 38, the 1000 key 39, and the yen key 40 have been removed. The user inputs the withdrawal amount from the input section 72 (Step S48). The withdrawal amount is finally determined by pressing a determination key (not shown) of the input section 72. If the correction key (not shown) of the input unit 72 is pressed during the input (step S49), the process proceeds to step S49.
Returning to 48, the withdrawal amount is input again.

When the withdrawal amount is determined, this amount data is sent from the communication unit 71 to the server 60, and the server 60 performs an automatic calculation of the commission (step S50).
As described above, the fee is a service fee to be paid to a cashing service provider and a transfer fee collected by a financial institution. The server 60 transmits the calculated data to the communication unit 61
To the host device 1 and the portable terminal 70 via the Internet 2, the antenna 71a of the portable terminal 70 receives this, and the transaction details screen 306 shown in FIG. Step S51).

The user sees the transaction details screen 306 and selects the confirmation key 48 to approve the transaction contents.
To correct the transaction content, the user selects the correction key 46, and to cancel the transaction content, the user selects the cancel key 47. When the correction key 46 is selected (Step S53), Step S4
7, the withdrawal amount input screen is displayed, and the withdrawal amount is corrected on this screen. When the cancel key 47 is selected (step S54), the process returns to step S32, and the transaction financial institution selection screen is displayed, and the operation is restarted from the beginning. Note that the correction key 46, the cancel key 47, and the confirmation key 48 may be omitted, and the operation may be performed using the keys of the input unit 72.

When the confirmation key 48 is selected (step S5)
2) The transaction content is approved, and an approval signal is transmitted to the host device 1. Upon receiving this signal, the host device 1 determines whether or not the user's balance is equal to or greater than the withdrawal amount (step S55). If the deposit balance is smaller than the withdrawal amount, the balance is displayed as insufficient (step S5).
6) Return to step S47 and accept the input of a new withdrawal amount. Note that, as in the case of FIG.
Even if the deposit balance of the user is less than the withdrawal amount in 5, the loan contract has been signed between the financial institution and the user, and
If the debit amount is within the loan limit, step S5
7 and the transfer to the cashing service provider's account may be performed. If the deposit balance is equal to or more than the withdrawal amount, the host device 1 transfers the withdrawal amount plus the service fee from the user's account to the cashing service provider's account (step S57). Also in this case, the host device 1 recognizes the transfer destination account number from the machine number of the automatic teller machine 3. When the transfer process ends,
A transfer end signal is sent from the host device 1 to the server 60,
Upon receiving this signal, the server 60 sets the withdrawal permission flag to "1" in the control unit 62 (or the data file 63) (step S58). The transfer fee is also deducted from the user's account, which is collected by the financial institution.

Thus, a series of operations in the portable terminal 70 ends. It should be noted that the server 60 is omitted and the host device 1 has the function of the server 60, and
0 and the host device 1 may directly exchange data. The user performs the above-described operation at any time and in any place in a manner such as telephone banking, and after completing the operation, goes to the place where the cash dispenser 3 is installed and performs the operation described below. You can withdraw cash.

Next, the procedure in the cash dispenser 3 will be described.
This will be described with reference to FIG. First, the user connects the portable terminal 70 to the cash dispenser 3 (step S61).
This connection is made by connecting the connection interfaces 76 and 78 with the cable 70 as described above. Alternatively, the mobile terminal 70 can be used without using a cable.
May be directly attached to the cash dispenser 3.

When the portable terminal 70 is connected to the cash dispenser 3, the control unit 20 of the cash dispenser 3 connects the cash dispenser 3 to the server 60 via the Internet 2 and The terminal device number of the device 70 is read and transmitted to the server 60 (step S62).

The server 60 determines whether the transmitted terminal number matches the terminal number already registered in the data file 63 (step S63). At the same time, the withdrawal permission flag is checked (step S65). If the withdrawal permission flag is “1”, it means that the transfer processing has been completed in the host device 1 and no withdrawal has been made yet. On the other hand, if the withdrawal permission flag is “0”, it means that the transfer processing has not been completed in the host device 1 or the withdrawal has already been made. If the terminal numbers do not match or the withdrawal permission flag is “0”, a signal to that effect is transmitted from the communication unit 61 to the cash dispenser 3, and the touch panel 5 of the cash dispenser 3 is An error is displayed (steps S64 and S64).
66), withdrawal is prohibited. If the terminal numbers match and the withdrawal permission flag is “1”, then the password input screen 303 of FIG. 9 is displayed on the touch panel 5 (step S67). The user inputs a password through the key input unit 31 of the screen 303 (step S6).
8). In the personal identification number column 35 of the screen 303, the input personal identification number itself is not displayed, but an asterisk is displayed.

The password is transmitted from the communication unit 14 to the server 60, and the server 60 determines whether the password is correct (step S69). That is, in the data file 63 of the server 60, the password inputted in the portable terminal 70 is recorded, and the password is checked with reference to this. As a result, if the password is not correct, an error message to that effect is displayed on the touch panel 5 (step S70). If the password is correct, a transaction details screen 307 as shown in FIG. 22 is displayed on the touch panel 5 (step S70). S71). This transaction statement screen 307 is shown in FIG.
This corresponds to the screen shown in FIG. 2, but does not include the correction key 46 shown in FIG. This is because the transfer processing has been completed in step S57 (FIG. 20), so that the amount can no longer be corrected.

Referring to the transaction details screen 307, the user presses the confirmation key 48 to approve the transaction contents, and presses the cancel key 47 to cancel the transaction contents. When the cancel key 47 is pressed (step S73), a transfer process for returning the amount transferred to the cashing service provider's account to the user's account is performed (step S74), and the withdrawal permission flag is reset to "0". (Step S77)
The process ends.

When the confirmation key 48 is pressed (step S7)
2) Since the transaction content is approved, the cash dispenser 3 prints the transaction content on the slip by the printing unit 19,
This is issued from the slip issuing unit 7 (FIG. 3) (step S
75). In addition, the banknote processing unit 17 and the coin processing unit 18 are driven to release cash corresponding to the withdrawal amount from the cash outlet 6 (step S76), and thereafter, the withdrawal permission flag is reset to “0” ( Step S77), a series of operations ends. In this way, in the operation of the automatic teller machine 3, since the data collation is performed by the server 60,
Communication with the host device 1 becomes unnecessary. The server 60
Can be omitted, and data can be directly exchanged between the cash dispenser 3 and the host device 1.

In the split processing type system as described above, similarly to the immediate processing type system, data can be input in accordance with the operating procedure of a transfer procedure such as telephone banking, and a cash card is not required. You can withdraw cash. Further, the cash paid by the cashing service provider is redeemed by a transfer process from the user's account, and the service fee at this time allows the provider to make a profit.

According to the division processing type system, the transfer procedure is performed in advance by the portable terminal 70,
Since the transaction data is recorded in the server 60 (or the host device 1), the operation at the cash dispenser 3 is simplified, the time is shortened, and the cash can be quickly withdrawn. Although a mobile phone is used as a terminal device for electronic banking here, the present invention is not limited to the mobile phone, and a mobile terminal such as a PDA (Personal Digital Assistant) or a mobile PC can also be used. Further, the terminal device is not limited to a portable type, and may be a stationary telephone, a PC, a digital television, or the like. When a stationary terminal device is used, the terminal device is operated at home or the like to perform a transfer procedure in advance, and then a cash dispenser performs a withdrawal procedure.

In the division processing type system, the state of the withdrawal permission flag is checked as described above, and when the flag is "1", the release of cash corresponding to the withdrawal amount is permitted, and the flag is set to "1". In the case of "0", by prohibiting the release of cash corresponding to the withdrawal amount, the cash can be released even though the transfer process on the host side has not been completed, or the withdrawal operation despite the withdrawal has been completed. By repeating the above, it is possible to prevent abuse such as receiving duplicate payments.

In the example of FIG. 21, the cash dispenser 3
The terminal number of the portable terminal 70 is collated by connecting the terminal number to the account number. If the terminal number and the account number are linked, the account number can be automatically searched. it can. Therefore, in the operation of the automatic teller machine 3, it is not necessary to input the contractor number for searching the account number, and it is only necessary to input the personal identification number as the identification data. On the other hand, when the stationary terminal device is used, there is no verification of the terminal number as described above, so that the account search is performed by inputting the contractor number in addition to the password. In FIG. 19, as in FIG. 5, three pieces of data, ie, a contractor number, a password, and a confirmation number, are entered as personal identification data. It may be omitted.

Also, in the above example, verification of the terminal by connecting the portable terminal 70 to the automatic teller machine 3,
The server side can recognize that the user is operating the cash dispenser by identifying himself / herself by inputting the personal identification number. However, instead of this, the cash dispenser 3 is required to specify the payer. Display your unique phone number,
When the user inputs the telephone number to the portable terminal 70 and makes a call, the portable terminal 70 is connected to the server 60 (or the host device 1) to perform verification of the terminal, and thereafter a password is input. The server may recognize the operation of the cash dispenser by the user himself / herself by receiving the request and confirming the identity. This eliminates the need for mechanical connection of the portable terminal 70.

FIG. 23 and FIG. 24 are flowcharts in the case of a transfer processing reservation type which is another embodiment of the division processing system. FIG. 23 shows a process in the portable terminal 70, and FIG. 24 shows a process in the cash dispenser 3. In FIG. 23, the processing of steps S31 to S56 is the same as that of steps S31 to S56 described with reference to FIGS.
Since it is completely the same as the process of S56, the description is omitted.

In FIG. 23, if the deposit balance (or the loan limit) is equal to or more than the debit amount in step S55,
The transfer reservation process is performed without performing the actual transfer process as in step S57 of FIG. 20 (step S57a). The transfer reservation process is a process to reserve at least the amount of the debit amount as the balance of the account until the actual transfer process is completed, during which there was a withdrawal request that the remaining amount was less than the debit amount If so, prohibit this. After performing the transfer reservation process, the server 60 sets the withdrawal permission flag to “1” in the control unit 62 (or the data file 63) (step S58), and ends the operation.

Thereafter, the user goes to the place where the automatic teller machine 3 is installed and performs the operation shown in FIG. In FIG. 24, the processing in steps S61 to S72 is completely the same as the processing in steps S61 to S72 described in FIG. Step S73
When the cancel key 47 is pressed in step S57 in FIG.
The transfer reservation process executed in step a7 is canceled (step S7).
4a), the withdrawal permission flag is reset to "0" (step S77), and the process ends. On the other hand, step S72
When the confirmation key is pressed and the transaction content is approved, the host device 1 actually transfers the sum of the withdrawal amount and the service fee from the user's account to the cashing service provider's account (step S72a).

When the transfer process is completed, a withdrawal instruction signal is sent from the host device 1 to the cash dispenser 3, and the cash dispenser 3 receives this signal (step S72).
b) The transaction content is printed on the voucher by the printing unit 19 and is issued from the voucher issuing unit 7 (FIG. 3) (step S7).
5). Further, the banknote processing unit 17 and the coin processing unit 18 are driven to release cash corresponding to the withdrawal amount from the cash outlet 6 (step S76), and thereafter, the withdrawal permission flag is set to “0”.
(Step S77), and the process ends.
The processes in steps S75 to S77 are the same as those in FIG.

FIG. 25 shows another embodiment of the present invention.
This is an example in which a position detecting unit is provided in the portable terminal 70. As a position detecting means, here, GPS (Global Positioning)
System) Although the receiver 80 is used, other detection means may be used. As is well known, the GPS receives radio waves transmitted from a plurality of geosynchronous satellites (not shown), calculates the distance to each satellite from the propagation time, and based on this and the position information of the satellite. This is a system that detects the current position (latitude and longitude).

When the GPS receiver 80 is mounted on the portable terminal 70, the nearest financial institution for withdrawing cash can be displayed on the display unit 73. That is, the key operation of the input unit 72 causes the GPS receiver 80 to operate.
Is transmitted from the communication unit 71 to the host device 1. The host device 1 has a data file 1
3 has a map database, and transmits, to the portable terminal 70, map data indicating the location of the cash dispenser installed near the current position based on the sent current position data. . In the portable terminal 70, the communication unit 71 receives this map data, and a map such as that shown in FIG. In FIG. 26, the current position and the location of the cash dispenser near the current location are displayed, and by looking at this, the nearest location can be easily known.

Instead of transmitting the data of the current position to the host device 1, the data may be transmitted to the server 60 and the map data may be obtained from the data file 63 of the server 60. Further, the location information displayed on the display unit 73 is not limited to a map, and may be text information representing an address or the like of a location.

In each of the above embodiments, a caching service provider exists in addition to the financial institution. However, in the present invention, the financial institution may manage and operate the entire system in a centralized manner. In this case, in the immediate processing type system or the split processing type system in which the transfer processing is completed, the transfer processing is replaced with the withdrawal processing. The financial institution is a bank, etc.
If the source of the cash payment is the user's own deposit, the host device 1 withdraws the withdrawal amount from the user's deposit account. Specifically, the calculation and display of the commission in steps S19 and S20 in FIG. 6 and steps S50 and S51 in FIG. 20 become unnecessary, and the processing in step S26 in FIG. 6 and step S57 in FIG. Replaced by debiting from account. Regarding other points, the above-described embodiment can be adopted as it is. If the financial institution is a consumer finance company and the source of cash payment is a loan to the user, the withdrawal amount is deducted from the user's loan account. The same applies when a bank or the like makes a loan. The loan account is set with the user's loan limit, and the debit is made within this range.

In the transfer processing reservation type division processing system, the transfer reservation processing is replaced with the withdrawal reservation processing. If the financial institution is a bank or the like and the source of the cash payment is the user's own deposit, the host device 1 performs a withdrawal reservation process for withdrawing the withdrawal amount from the user's deposit account. More specifically, the transfer reservation process of step S57a in FIG. 23 is replaced with a withdrawal reservation process, the transfer process of step S72a of FIG. 24 is replaced with a withdrawal process, and the cancellation of the transfer reservation process of step S74a is replaced with a cancellation of the withdrawal reservation process. . Regarding other points, the above-described embodiment can be adopted as it is. If the financial institution is a consumer finance company and the source of the cash payment is a loan to the user, a withdrawal reservation process for deducting the withdrawal amount from the user's loan account is performed. The same applies when a bank or the like makes a loan. Also in this case, the withdrawal reservation processing is performed within the range of the loan limit.

The present invention can adopt various modes other than those described above. For example, in FIGS. 7 to 12, the operation is performed in accordance with the guidance message displayed on the screen. However, when a telephone is used as the terminal device, the guidance message may be transmitted by voice.

In FIGS. 3 and 17, the cash dispenser 3 is not provided with a card reader, but is provided with a card reader to handle ordinary cash cards and electronic banking according to the present invention. May be able to do both. In the division processing type system of the present invention, when cash is withdrawn from the cash dispenser provided with the card reader as described above, the operation can be simplified by using a cash card together. That is, the subscriber number of the user in electronic banking is usually linked to the account number of the cash card. Therefore, if the user has a cash card, the user can insert the card into the cash dispenser and read the account number of the card, so that the contractor number can be input as in the case of the mobile terminal 70 described above. It becomes unnecessary and the operation is simplified. Of course, even if you do not have a cash card, you can withdraw cash by entering the contractor number.

In each of the above examples, cash can be withdrawn from the cash dispenser 3 after the transfer processing of the host device 1 is completed in order to guarantee the payment of the payment amount to the cashing service provider. Depending on the operation mode,
After the withdrawal from the automatic teller machine 3 is completed, the host device 1 may perform the transfer processing. In this case, the transfer process is not performed unless the withdrawal is made due to a failure of the cash dispenser 3 or the like, so that the process of returning the once transferred amount to the original account becomes unnecessary.

In the case of the divisional processing type system, even if a predetermined time (for example, 24 hours) elapses after completion of the pre-procedures shown in FIGS. If the dispensing procedure of FIGS. 21 and 24 is not performed in the machine 3, a timeout process may be performed so that the dispensing from the cash dispenser 3 cannot be performed unless the operation is restarted from the beginning. In this case, the host device 1 or the server 60 records the time at which the pre-procedure was performed, and checks whether or not the cash dispenser 3 has made a withdrawal within a predetermined time from this time. If there is no withdrawal within the time, timeout processing may be performed.

[0071]

According to the present invention, the transfer processing by electronic banking and the withdrawal processing by cash dispenser are linked, so that cash is withdrawn from the cash dispenser by the same procedure as telephone banking. This allows the user to withdraw cash without having a cash card. Also, if the cash dispenser is managed and operated by a cashing service provider, the cashing service provider can earn profits from service fees and the financial institution can reduce the installation and operation costs of the cash dispenser. .
Furthermore, the convenience of the system of the present invention allows financial institutions to promote the spread of electronic banking and increase revenue.

[Brief description of the drawings]

FIG. 1 is a diagram showing a composition of a business by the system of the present invention.

FIG. 2 is a diagram showing an immediate processing type system according to an embodiment of the present invention.

FIG. 3 is a schematic external view of a cash dispenser.

FIG. 4 is a block diagram of a host device and a cash dispenser.

FIG. 5 is a flowchart showing the operation of the immediate processing type system.

FIG. 6 is a flowchart continued from FIG. 5;

FIG. 7 is a diagram showing a transaction financial institution selection screen.

FIG. 8 is a diagram showing a contractor number input screen.

FIG. 9 is a diagram showing a password input screen.

FIG. 10 is a diagram showing a confirmation number input screen.

FIG. 11 is a diagram showing a withdrawal amount input screen.

FIG. 12 is a diagram showing a transaction statement screen.

FIG. 13 is a diagram of a card on which a confirmation number table is displayed.

FIG. 14 is a diagram showing a division processing type system according to an embodiment of the present invention.

FIG. 15 is a block diagram of a server.

FIG. 16 is a block diagram of a portable terminal.

FIG. 17 is a schematic external view of a cash dispenser provided with a connection portion.

FIG. 18 is a block diagram when a portable terminal and a cash dispenser are connected.

FIG. 19 is a flowchart showing an operation of the portable terminal in the division processing type system.

FIG. 20 is a flowchart continued from FIG. 19;

FIG. 21 is a flowchart showing the operation of the cash dispenser in the split processing type system.

FIG. 22 is a diagram showing a transaction statement screen.

FIG. 23 is a flowchart illustrating an operation of a portable terminal according to another embodiment.

FIG. 24 is a flowchart showing the operation of a cash dispenser according to another embodiment.

FIG. 25 is a block diagram of a portable terminal according to another embodiment.

FIG. 26 is an example of a map displayed on the mobile terminal.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Host apparatus 2 Line 3 Cash dispenser 5 Touch panel 14 Communication part 15 Input part 17 Banknote processing part (cash processing part) 18 Coin processing part (cash processing part) 60 Server 70 Mobile terminal (terminal device) 72 Input part 78 Connection interface (connection part) 80 GPS receiver (position detection means)

Continuation of the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G07D 1/00 301 G07D 1/00 301 9/00 436 9/00 436B G07F 19/00 476

Claims (13)

[Claims] 1. A host device of a financial institution, a cash dispenser managed by a cashing service provider, and a line connecting the host device and the cash dispenser, wherein the cash dispenser includes the financial institution An input unit is provided for a user having an account to input personal identification data and withdrawal amount data in accordance with the electronic banking operation procedure, and the data input at the input unit is transmitted to the host device via the line. The host device transfers an amount obtained by adding a service fee to the withdrawal amount from the user's account to a cashing service provider's account based on the data, and the cash dispenser corresponds to the withdrawal amount. An automatic cash dispensing system for discharging cash. 2. The automatic teller machine according to claim 1, wherein a user having an account at said financial institution has personal identification data and withdrawal amount data in accordance with an electronic banking operation procedure. An input unit for inputting the data, a communication unit for transmitting data input at the input unit to the host device via the line, and a cash processing unit for discharging cash corresponding to the withdrawal amount.
A cash dispenser comprising: 3. A host device of a financial institution, a cash dispenser managed by a cashing service provider, and a terminal device held by a user who has an account at the financial institution, wherein the terminal device includes An input unit is provided for the user to input personal identification data and withdrawal amount data in accordance with the operation procedure of electronic banking, and the cash dispenser is provided with an input unit for the user to input personal identification data. The host device transfers an amount obtained by adding a service fee to the withdrawal amount from the user's account to the cashing service provider's account based on the data input at the input unit of the terminal device. Releasing cash equivalent to the withdrawal amount based on the user inputting data for personal identification and approving the transaction contents. Automatic payment system. 4. A host device of a financial institution, a cash dispenser managed by a cashing service provider, and a terminal device held by a user who has an account with the financial institution, wherein the terminal device includes An input unit is provided for the user to input personal identification data and withdrawal amount data in accordance with the operation procedure of electronic banking, and the cash dispenser is provided with an input unit for the user to input personal identification data. The host device performs a transfer reservation process for transferring the sum of the withdrawal amount and the service fee from the user's account to the cashing service provider's account based on the data input at the input unit of the terminal device. At the same time, the amount is executed based on the fact that the personal identification data has been input and the transaction contents have been approved in the cash dispenser. Caching transfer money to the service provider of the account to initiate a funds transfer processing, automated teller machine, to release the cash corresponding to the pull-out amount of money, automatic cash payment system, characterized in that on. 5. The automatic payment system according to claim 3, wherein the host device, the automatic payment machine and the terminal device are connected to the Internet, and a server connected to the Internet is provided; The data input at the input unit of the terminal device is transmitted to the host device via the server and recorded on the server, and the data input at the input unit of the cash dispenser is transmitted to the server, An automatic cash payment system, wherein the data is collated with data recorded in the server. 6. The automatic cash payment system according to claim 3, wherein said terminal device is a portable terminal. 7. The automatic teller machine according to claim 6, further comprising: a connection portion to which said portable terminal is connected, wherein said portable terminal is connected to said connection portion, and said terminal is connected to said connection portion. A cash dispenser, which accepts the input of personal identification data by a user after the machine is verified. 8. The cash dispensing system according to claim 6, wherein the portable terminal is a portable telephone, and a unique telephone number for identifying the dispensing machine is displayed on the cash dispenser. The user inputs the telephone number to the mobile phone to make a call, and after the mobile phone is connected to the host device or the server and the telephone is collated, accepts the input of the user identification data by the user. A cash automatic payment system characterized by the above-mentioned. 9. The automatic cash payment system according to claim 6, wherein said portable terminal comprises a position detecting means for detecting a current position of said terminal, and a data of a current position detected by said position detecting means is provided. The host device or the server transmits the location information of the cash dispenser installed near the current position to the portable terminal based on the data of the current position, based on the data of the current position. Wherein the location information is displayed. 10. A host device of a financial institution, a cash dispenser managed by the financial institution, and a line connecting the host device and the cash dispenser, wherein the cash dispenser includes the financial institution An input unit is provided for a user having an account to input personal identification data and withdrawal amount data in accordance with the electronic banking operation procedure, and the data input at the input unit is transmitted to the host device via the line. Sent to the host device, based on the data, the withdrawal amount is withdrawn from the user's account, the cash dispenser discharges cash corresponding to the withdrawal amount, automatic cash payment system. 11. A host device of a financial institution, a cash dispenser managed by the financial institution, and a terminal device held by a user who has an account at the financial institution, wherein the terminal device includes An input unit is provided for the user to input personal identification data and withdrawal amount data in accordance with the operation procedure of electronic banking, and the cash dispenser is provided with an input unit for the user to input personal identification data. The host device debits the withdrawal amount from the user's account based on the data input at the input unit of the terminal device, and the cash dispenser inputs the user identification data and A cash automatic payment system, wherein cash corresponding to the withdrawal amount is released based on the approval of the system. 12. A host device of a financial institution, a cash dispenser managed by the financial institution, and a terminal device held by a user who has an account at the financial institution, wherein the terminal device includes An input unit is provided for the user to input personal identification data and withdrawal amount data in accordance with the operation procedure of electronic banking, and the cash dispenser is provided with an input unit for the user to input personal identification data. The host device performs a withdrawal reservation process for withdrawing the withdrawal amount from the user's account based on the data input at the input unit of the terminal device, and performs identification data at the cash dispenser. Is entered and the transaction contents are approved, the withdrawal amount is actually withdrawn from the user's account, and the cash dispenser performs the withdrawal processing. An automatic cash payment system, which discharges cash corresponding to a withdrawal amount. 13. The automatic cash dispensing system according to claim 3, 4, 5, 6, 11, 11, or 12, wherein the processing of the host device is completed and the automatic cash dispenser is completed. The withdrawal permission flag is set in a state where the withdrawal from the cash dispenser is possible, and the withdrawal permission flag is reset when the cash dispenser has released the amount corresponding to the withdrawal amount. Cash, wherein the cash corresponding to the withdrawal amount is released when the withdrawal permission flag is set, and the release of cash corresponding to the withdrawal amount is prohibited when the withdrawal permission flag is reset. Automatic payment system.