JP2002149993A - Cash receiving system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a financial institution user to receive cash in an ordinary store when drawing cash from his/her own account in a financial institution. SOLUTION: This cash receiving system having a communication interface comprises a user terminal 13 for a user 12, connected to a network 11, and a financial institution terminal 15 for a financial institution, provided with the communication interface and connected to the network 11. The user terminal 13 transmits to the financial institution terminal 15 a procedure for drawing cash from the account opened in the financial institution 14 input by the user 12, the financial institution terminal 15 issues a receipt and transmits it to the user terminal 13, and the user 12 receives cash in exchange for the receipt in a store 16.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a cash receiving system.

[0002]

2. Description of the Related Art Conventionally, when a user of a financial institution such as a bank, a post office, and a credit union withdraws cash from his or her own account,
Go to the financial institution and carry out procedures at the counter,
AT installed at the financial institution or supermarket
Automatic machines such as M and CD machines are operated by themselves. And, when carrying out the procedure at the window, the user usually brings a bankbook and a registered seal in advance, and when operating the automatic machine by himself, using his / her own cash card You can easily withdraw the required amount of cash from your account. In particular, in recent years, many automatic machines have been installed in stores other than financial institutions, such as supermarkets, so that the convenience for the users has been remarkably improved.

[0003]

However, in the above-mentioned conventional system, when a user of a financial institution withdraws cash from his or her own account, it is necessary to go to a window of the financial institution or a place where an automatic machine is installed. is there. In recent years, the number of shops in which the automatic machine has been installed has been increasing, but the automatic machine is an expensive machine, and because a relatively large installation space is required, the automatic machine is installed. The number of shops is not large enough. For this reason, many users still need to go to a remote financial institution or a place where an automatic machine is installed to withdraw cash from their accounts, and the convenience of users remains low. Up to.

[0004] The present invention solves the above-mentioned problems of the conventional system, and when a user of a financial institution withdraws cash from his / her own account, he or she must go to a window of the financial institution or to a place where an automatic machine is installed. It is an object of the present invention to provide a cash receiving system in which cash can be obtained in a ubiquitous ordinary store even if it is not provided.

[0005]

For this purpose, the cash receiving system according to the present invention comprises a communication interface, a user terminal of a user connected to a network,
A financial institution terminal of a financial institution connected to the network, comprising: the communication interface; and the user terminal for withdrawing cash from an account opened at the financial institution inputted by the user. Procedures,
It transmits to the financial institution terminal, the financial institution terminal issues a voucher and transmits it to the user terminal, and the user receives the cash at the store in exchange for the voucher.

In another cash receiving system according to the present invention, the cash receiving system further includes a communication terminal and a store terminal of a store connected to the network. Is transmitted to the financial institution terminal, and the financial institution terminal transmits to the store terminal that the exchange certificate has been issued properly.

[0007]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a conceptual diagram of a cash receiving system according to an embodiment of the present invention.

In the present embodiment, reference numeral 12 denotes a user, who opens his own account at the financial institution 14 and has the authority to withdraw cash from said account under his own name. is there. Here, it is assumed that a certain amount of money has been previously deposited in the account in the form of deposit, deposit, transfer, or the like. In addition, the user 12
Is generally an individual, but may be a company, an organization, or the like.

The user 12 is connected to a user terminal 13
Having. The user terminal 13 is generally a personal computer (personal computer), a portable terminal, or the like, but may be a mobile phone, a videophone, an electronic organizer, a PDA (Persona).
l Digital Assistants), a game machine, a digital television, and the like. Here, the user terminal 13 includes input means such as a keyboard, a mouse, and numeric keys; storage means such as a magnetic disk and a semiconductor memory; arithmetic means such as a CPU and an MPU;
T, display means such as a liquid crystal display, printing means such as a printer for printing on a medium such as paper, a communication interface, etc., directly via a wired or wireless dedicated line or public line, or further, a gateway, a server It is indirectly connected to the network 11 through the like.

The network 11 includes the Internet, a LAN (Local Area Network),
A WAN (Wide Area Network), a wireless or wired dedicated telephone network or a public telephone network, a wireless or wired dedicated communication network or a public communication network, or any other network may be used. May be combined, for example, a combination of the Internet and a public telephone network, or a combination of a LAN and a dedicated communication network.

The financial institution 14 is a bank, a post office, a credit union, or the like, and has an account of the user 12. Further, the financial institution 14 directly connects the financial institution 15 via a wired or wireless dedicated line or a public line, or further indirectly through a gateway, a server, etc., to the financial institution terminal 15. Have.

Here, the financial institution terminal 15 includes input means such as a keyboard, a mouse, and numeric keys, a magnetic disk,
It is provided with storage means such as a semiconductor memory, arithmetic means such as a CPU and an MPU, display means such as a CRT and a liquid crystal display, and a communication interface. The financial institution terminal 15 is communicably connected to a computer for managing an account established at the financial institution 14.

The financial institution terminal 15 is generally a general-purpose computer such as a personal computer, a server, or a workstation, but may be a dedicated machine. Further, the financial institution terminal 15 may exist independently, or may be a part of another control device such as a host computer that controls the business of the financial institution 14 in an integrated manner.

Reference numeral 16 denotes a store, which may be any store as long as it provides various services and products. Further, the person who operates the store 16 may be any person such as an individual, a corporation, a for-profit company, and a public interest organization.

Here, when the store 12 withdraws cash from the user's own account opened at the financial institution 14, the store 16 makes a contract with the store 16 to deliver cash instead of the financial institution 14. Sign in advance with financial institution 14. In this case, the financial institution 14 sends the store 16
The contract may be such that a commission is paid.

The store 16 is a store terminal 17 communicatively connected to the network 11 directly via a wired or wireless dedicated line or a public line, or indirectly via a gateway, a server or the like. Having.

Here, the store terminal 17 includes input means such as a keyboard, a mouse, and numeric keys; storage means such as a magnetic disk and a semiconductor memory; arithmetic means such as a CPU and an MPU; display means such as a CRT and a liquid crystal display; It has a communication interface and the like. The store terminal 17 is generally a general-purpose computer such as a personal computer, a server, or a workstation, but may be a dedicated machine. Further, the financial institution terminal 15 may exist independently, for example,
It may be shared with other devices such as a cash register, a POS terminal, a credit card credit confirmation terminal,
It may be a part of the other equipment, or may be a part of another control device such as a host computer for controlling other operations of the store 16.

Next, the operation of this embodiment will be described.

FIG. 2 is a flowchart showing the operation of this embodiment.

First, when the user 12 wants to withdraw cash from his or her account established in the financial institution 14, the user 12 sends his / her name,
The financial institution terminal 15 is accessed via the network 11 by inputting a login number, an ID number, a password, and the like.

The user's name, login number,
Based on the ID number, password, etc., the user 12
Opens an account at the financial institution 14 and is authenticated as a person having the right to withdraw cash from the account under his / her own name, and logs in from the user terminal 13 to the financial institution terminal 15 can do.

Then, the financial institution terminal 15 displays a transaction selection menu screen edited by a WWW browser or the like. Here, the transaction selection menu screen is a normal A
This is the same as the transaction selection menu screen displayed on the display of the operation panel of a TM (cash machine) or CD machine (cash machine).
A plurality of transaction items such as transfer are displayed in a selectable manner.

Next, when the user 12 selects withdrawal of a deposit on the transaction selection menu screen from the user terminal 13, a screen for inputting the amount is displayed. The screen for inputting the amount is the same as the screen displayed on the display of the operation panel of an automatic machine such as a normal ATM or CD machine.

Subsequently, the user 12 inputs the amount of cash to be withdrawn from the account from the user terminal 13. Thus, the procedure for the user 12 to withdraw cash from his / her account is completed.

On the other hand, when the procedure for withdrawing cash from the account of the user 12 is transmitted from the user terminal 13, the financial institution terminal 15 issues an exchange certificate to be described later for withdrawing the money. I do.

The voucher is electronically issued by being edited and posted by a WWW browser or the like. Further, the exchange note includes, in addition to the money amount, letters, symbols, numbers, bar codes, and the like, which are items for identifying the financial institution 14, and further includes items for identifying each exchange order. , Characters, symbols, numbers, bar codes, and the like. The items included in the voucher are stored in the storage unit of the financial institution terminal 15.

Subsequently, the exchange certificate is stored in the user terminal 1
3 and printed on a medium such as paper by the printing means of the user terminal 13. When the user terminal 13 is portable such as a mobile phone,
The exchange certificate may be displayed on display means of the user terminal 13.

Then, the user 12 goes to the store 16 with the printed voucher and requests that the cash shown in the voucher be delivered in exchange for the voucher. When the exchange certificate is displayed on the display unit of the user terminal 13, the exchange certificate displayed on the display unit is presented to a clerk of the store 16 or the like.

Then, in the store 16, in order to confirm that the exchange certificate has been issued properly, the amount included in the exchange certificate, characters, symbols, and the like for identifying the financial institution 14. Numbers, barcodes, etc., and characters, symbols, numbers, barcodes, etc. for identifying individual exchange orders are input from the store terminal 17 to the financial institution terminal 15 via the network 11. Send.

In this case, a part or all of the money amount, characters, symbols, numbers, barcodes and the like included in the exchange certificate may be input from input means such as a keyboard.
The information may be automatically read and input by a CR device, a barcode reader, or the like.

On the other hand, when the financial institution terminal 15 receives the items included in the exchange certificate transmitted from the store terminal 17, the financial institution terminal 15 includes the items included in the exchange certificate in the exchange certificate stored in the storage means. And confirm that the voucher has been issued properly. Subsequently, a notification to the effect that it has been confirmed that the exchange certificate has been issued properly is returned to the store terminal 17 and stored in the storage means.

When the store terminal 17 receives the notification returned from the financial institution terminal 15, the clerk or the like of the store 16 exchanges the exchange certificate for the cash amount shown in the exchange certificate. To the user 12. The voucher is stored in the store 16 as evidence of the fact that cash was handed to the user 12.

In the case where the exchange certificate is displayed on the display means of the user terminal 13, the information included in the exchange certificate and the fact that cash has been handed to the user 12 based on the exchange certificate are described. By storing the cash in the storage means of the store terminal 17, cash is stored as evidence of the fact that the cash was handed to the user 12.

Thus, the user 12 does not have to go to the window of the financial institution 14 or the place where the automatic machine such as the ATM or the CD machine is installed, and it is possible to store the shop 12 in a place convenient for the user such as a neighborhood of the residence. At 16, the user can obtain the cash withdrawn from his / her account.

On the other hand, the clerk or the like of the store 16 goes to the financial institution 14 immediately or at a later date and submits or presents the stored exchange certificate to thereby reduce the amount handed over to the user 12. Ask them to transfer to their account. In addition, the cash of the said amount can be received.

Then, the financial institution 14 identifies the items included in the exchange certificate as the items included in the exchange certificate stored in the storage means, and confirms that the exchange certificate has been issued properly. It confirms the fact that it has returned a notification to the effect that it has returned to the store terminal 17. Subsequently, the financial institution 14
Depositing the amount into the account of the store 16 or
The amount of cash is handed to a clerk of the store 16 or the like.

Thus, the store 16 can receive the amount handed to the user 12 from the financial institution 14.

It is desirable from the viewpoint of security that information transmitted and received among the user terminal 13, the financial institution terminal 15, and the store terminal 17 be scrambled or encrypted. . Here, when scrambling the information, a method such as an exclusive OR operation can be used. When encrypting the information, generally, an encryption key such as a common key, a public key, and a secret key is used. Ciphers that use encryption keys include:
DES encryption using common key, RS using private key and public key used for electronic signature of e-mail
A cipher and the like.

As described above, in the present embodiment, when the user 12 withdraws cash from his or her own account established at the financial institution 14, the user terminal 13 transmits the cash to the financial institution terminal 15.
To get the exchange certificate issued. Then, the user 12 can obtain cash in exchange for the issued certificate of exchange at the store 16 which has previously concluded a contract with the financial institution 14.

Therefore, even if the user 12 does not go to the window of the financial institution 14 or the place where the automatic machine is installed, the user 12 can use his / her account at the store 16 in a convenient place such as the neighborhood of the residence. You can get the cash you withdraw.

Also, the user 12 has his own user terminal 13
Can be used to withdraw cash, so that time is not wasted waiting at the counter at the window of the financial institution 14 or at the automatic machine.

Further, the store 16 can perform a procedure for confirming that the exchange certificate has been issued by the store terminal 17 properly, and is expensive and requires an ATM or a CD which requires a large installation space. Even if an automatic machine such as a machine is not installed in the store, an increase in customers visiting the store can be expected.

Next, the flowchart will be described. Step S11 The user 12 inputs his / her name, login number, ID number, password and the like from the user terminal 13, and accesses the financial institution terminal 15 via the network 11. Step S12 The user 12 selects “withdraw” on the transaction selection menu screen from the user terminal 13. Step S13 The user 12 inputs the amount on the screen for inputting the amount from the user terminal 13. Step S14 The financial institution terminal 15 issues an exchange certificate for withdrawing the input amount. Step S15: The user 12 holds the exchange certificate to store 1
Go to 6 and request that the cash shown in the exchange certificate be delivered in exchange for the exchange certificate. Step S16 The store 16 inputs the items included in the exchange certificate from the store terminal 17 and transmits it to the financial institution terminal 15 via the network 11 in order to confirm that the exchange certificate has been issued properly. I do. Step S17 The financial institution terminal 15 identifies the voucher, confirms that the voucher has been issued properly, and sends it back to the store terminal 17. Step S18 The store 16 delivers the cash to the user 12 in exchange for the exchange certificate. Step S19 The user 12 obtains the cash withdrawn from his or her account. Step S20 The store 16 goes to the financial institution 14,
By submitting or presenting the exchange certificate, the user 12 is requested to transfer the amount handed over to the user's account. Step S21 The financial institution 14 determines that the store 16 is the user 1
The amount handed to 2 is deposited in the account of the store 16. Step S22 The store 16 receives the amount handed to the user 12 from the financial institution 14.

It should be noted that the present invention is not limited to the above-described embodiment, but can be variously modified based on the gist of the present invention, and they are not excluded from the scope of the present invention.

[0046]

As described above in detail, according to the present invention, the cash receiving system includes a communication interface, a user terminal of a user connected to a network, and the communication interface. A financial institution terminal of a financial institution connected to the network,
The user terminal transmits to the financial institution terminal a procedure for withdrawing cash from an account established at the financial institution, which is input by the user, and the financial institution terminal issues an exchange certificate and issues the The information is transmitted to a user terminal, and the user receives the cash in exchange for the exchange certificate at a store.

In this case, even if the user does not go to the window of the financial institution or the place where the automatic machine is installed, the user can transfer cash from his or her account at a store located in a convenient place such as a neighborhood. You can get the cash you withdraw.

Further, since the user can carry out a procedure for withdrawing cash using his / her own user terminal, no time is wasted waiting at a turn at a counter of a financial institution or an automatic machine. .

In another cash receiving system,
Furthermore, it comprises the communication interface and has a store terminal of a store connected to the network, and the store terminal transmits to the financial institution terminal a matter included in the exchange certificate input at the store, Financial institution terminals
The fact that the exchange certificate has been issued properly is transmitted to the store terminal.

In this case, the store can carry out a procedure for confirming that the exchange certificate has been properly issued by the store terminal, and can transfer the cash to the user without worry.

Moreover, an increase in the number of customers who visit the store can be expected without installing an automatic machine, such as an ATM or a CD machine, which is expensive and requires a large installation space.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a cash receiving system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the present embodiment.

[Explanation of symbols]

 11 network 12 user 13 user terminal 14 financial institution 15 financial institution terminal 16 store 17 store terminal

Claims (2)

[Claims] 1. A user terminal of a user provided with a communication interface and connected to a network, and (b) a financial institution terminal of a financial institution provided with the communication interface and connected to the network. (C) the user terminal transmits to the financial institution terminal a procedure for withdrawing cash from an account established at the financial institution, which is input by the user, and (d) the financial institution terminal Issue a voucher and send it to the user terminal, and (e) the user receives the cash in exchange for the voucher at a store. (A) comprising the communication interface;
A store terminal of a store connected to the network,
(B) the store terminal transmits, to the financial institution terminal, items included in the exchange certificate input at the store,
(C) The cash receiving system according to claim 1, wherein the financial institution terminal transmits to the store terminal that the exchange certificate has been issued properly.