JP2002230627A - Payment system using network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment system using a network allowing a user to request transactions for payment and receive the desired denomination and the amount of cash as business fund, such as changes, without showing the ID number needed for payment or handing over a bankbook and a seal. SOLUTION: A cash processor installed in a financial institution or the like for paying cash, a transaction indicating device for indicating the contents of transactions, and a host computer for processing and managing transaction data at the financial institution or the like are connected to one another by the network. Data about payment transactions and data about the reception of cash are input from the transaction indicating device to the host computer via the network whereby the payment transaction at the host computer is complete. Thereafter, specification information for specifying the payment transaction and data about the reception of cash are transmitted to the designated cash processor as data about the reception of cash.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash processing set up at a desired place after performing a withdrawal transaction using a network such as the Internet or an intranet in a transaction with a financial institution such as a bank or a post office. The present invention relates to a dispensing system using a network adapted to receive cash from a machine.

[0002]

2. Description of the Related Art In general, transactions at financial institutions and the like are performed at a counter window where a passbook, a seal, and a slip describing transaction details are submitted at a counter, and at an automatic transaction machine such as an ATM (automatic teller machine). There is an automatic transaction in which a customer inserts a card, inputs a personal identification number and transaction details, and performs an operation. In addition, when a business manager such as a store or a store prepares operating funds such as change, money has been exchanged for money of a desired denomination after withdrawing funds from his / her account at a counter or an ATM. In the case of counter transactions, the required denomination and quantity must be entered on the slip, and for special denominations such as wrapped coins, the exchange operation must be performed by an automatic money changer.

[0003] Since ATMs, which are automatic transactions, do not have a coin dispensing function, after the dispensing transaction has been performed, a separate currency exchange operation must be performed on the coins using an automatic exchange machine.

[0004]

In the case of window transactions, passbooks and seals are required, and in the case of automatic transactions, cash cards (bank cards) and personal identification numbers, which are very valuable, are required. In addition, the balance and the like can be easily confirmed. From the privacy point of view, there is a problem that only the manager of a store or a store or the like can practically make a withdrawal transaction and cannot request a person such as an employee or a part-time clerk. In addition, when preparing operating funds such as change, it is necessary to separately perform an exchange operation using an automatic exchange machine after conducting a withdrawal transaction, which is troublesome and requires time and labor. Was.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a password required for withdrawal or to request a withdrawal transaction without handing over a passbook or a seal. Can be made, the desired denomination as operating funds such as change,
It is an object of the present invention to provide a withdrawal system using a network capable of receiving a quantity of cash.

[0006]

SUMMARY OF THE INVENTION The present invention relates to a cash dispensing system using a network, and an object of the present invention is to provide a cash processing machine installed in a financial institution or the like for dispensing cash, and a transaction for instructing transaction contents. An instruction device and a host computer for processing and managing transaction data of the financial institution or the like are connected via a network, and data relating to withdrawal transactions and data relating to cash receipt are input from the transaction instruction device to the host computer via the network. And completing the withdrawal transaction in the host computer, and thereafter, transmitting specific information for specifying the withdrawal transaction and the data on the cash receipt to the cash processor designated as the data on the cash receipt. Achieved by

[0007] Further, the object of the present invention is to provide a cash processing machine comprising a memory, wherein the transmitted data is stored so that the specific information for specifying the withdrawal transaction is stored. A one-time password that is valid only once. When the one-time password is entered and verified, the cash is withdrawn based on the data on the cash receipt, or the withdrawal transaction is specified. The ID information of a card to which specific information is preliminarily provided is valid only when a withdrawal transaction is performed, and when the card is inserted and verified, cash is collected based on the cash receipt data. By making a withdrawal,
Alternatively, the data related to the cash receipt includes data of the denomination and quantity of the cash received, or the data related to the cash receipt includes data of the date and time of the cash receipt. Is achieved.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a system configuration of the present invention, in which a cash processing machine 100 installed in a lobby or the like of a branch 1 of a financial institution and a transaction installed in a home / company 2 are shown. The pointing device (personal computer) 3 and a host computer 5 installed in a center 4 such as a financial institution are connected via a network 10 such as the Internet or an intranet, and can communicate with each other.

The structure of the cash handling machine 100 is as shown in FIG. 2, and shutters 111, 121, 131 which are opened and closed to take out coins and bills are provided at the upper part on the front side of the machine.
Are provided, and corresponding to each shutter, a wrapped coin ejection unit 110, a loose banknote depositing / dispensing unit 120, and a bundled banknote ejection unit 13
0 is provided inside the device. An operation display unit 1 in the form of a touch panel is provided on the inclined front panel at the top of the apparatus.
2, a card reader 102 and a receipt processing unit 103 are provided on the right side in FIG. 2, and a shutter 141 is provided on the left side corresponding to the loose coin depositing / dispensing unit 140. Display units (lamp) 112 to 142 are provided corresponding to the shutters 111 to 141, respectively, to instruct a user to the shutter position and the opening and closing thereof.

The shutters 111 and 131 are formed in an L-shape by two shutter plates, and can be opened and closed up and down and back and forth, respectively. Further, the shutters 121 and 141 are constituted by one shutter plate,
Reference numeral 1 denotes front and rear, and shutter 141 opens and closes, respectively.

FIG. 3 shows an example of the internal structure of the cash processing machine 100.
The control section 150 is connected to a memory 151 for storing data, and further connected to an operation display section 101, a card reader 102, and a receipt processing section 103. . The control unit 150 includes a shutter driving unit 154 that controls opening and closing of the shutters 111 to 141, a display unit 112 to 14
Display control part 152 which controls lighting display of No. 2 is connected, and bundle bill ejection control part 1 which controls bundle bill ejection part 130
33, a loose bill receiving / dispensing control unit 123 for controlling the loose bill receiving / dispensing unit 120, a wrapped coin dispensing control unit 113 for controlling the wrapped coin dispensing unit 110, and a loose coin receiving / dispensing control for controlling the loose coin receiving / dispensing unit 140. The unit 143 is connected.

In such a configuration, the operation at the time of dispensing will be described with reference to the flowchart of FIG.

First, a user such as a store or a store accesses the host computer 5 via the network 10 using the transaction instruction device 3 (step S1), and inputs a pre-assigned ID number (step S2). If the ID number is correct, a withdrawal preparation screen is displayed, and a transaction of "withdrawal" is selected on the screen (step S3). By this selection, for example, a dispensing operation screen as shown in FIG. 5 is displayed.

On the dispensing operation screen, the user inputs transaction contents for dispensing (data on dispensing transaction and data on cash receipt) (step S4). As shown in FIG. 5, specific input items of the transaction contents are “financial institution name”, “branch name”, “machine name”, “amount”, and “dispensing date and time”, and input “amount”. When the "specify denomination" button is clicked, a denomination designation screen as shown in FIG. 6 is displayed.
On the denomination designation screen, for banknotes, bundled banknotes and loose banknotes can be specified for each banknote (in this example, 10,000 yen, 5,000 yen, 2,000 yen, 1,000 yen), and for coins, wrapped coins and loose coins To each coin (500 yen, 100 yen, 50 yen, 10 yen in this example)
Yen, 5 yen, 1 yen). Clicking the "Date and Time" button when "Payment Date and Time" is entered will bring up a date and time designation screen as shown in Fig. 7, where you can enter the date of withdrawal and the time zone of the withdrawal time. 9:00 in the example
-12: 00, 12: 00-15: 00, 15: 00-18: 00, 18: 00-21: 00). By specifying the date and time, the waiting time required for withdrawal at a financial institution or the like can be shortened.

When the transaction contents are sequentially input as described above, the entered transaction contents are confirmed on the screen (step S5), and the input of the transaction contents is repeated until the input is completed (step S6). When the input is completed, the data registered in the host computer 5 is transmitted to the cash processor 100 via the network 10 (step S7),
51. At the same time, a one-time password is issued to the user, a reception completion display is performed, and the dispensing process ends (step S8). One-time password is 1
It is valid only for one withdrawal, and a different password is issued for each withdrawal process. The issued one-time password is also transmitted to the cash processing machine 100 and stored in the memory 151.

When the dispensing process is completed as described above, cash will be received at the designated date and time. The operation will be described with reference to the flowchart of FIG.

First, the user goes to the place where the cash handling machine 100 is installed (a branch of a financial institution or the like specified in the transaction details) and operates the operation display unit 1.
The user operates 01 to input the one-time password assigned at the time of the withdrawal process (step S10). The entered password is compared with the password stored in the memory 151. If the correct password is entered, the control unit 150 processes the data transmitted from the host computer 5 and stored in the memory 151. The reception state is set so that it can be performed (step S11). When there is cash receipt (step S12), a cash receipt confirmation screen is displayed on the operation display unit 101 (step 1).
S13), a cash receipt confirmation input is performed (step S1).
4) Wait for input completion (step S15). The confirmation screen is, for example, the amount and denomination input in the withdrawal process.

When the input operation for withdrawal is completed, the control unit 150 controls the specified denominations.
And drives the corresponding packaging coin dispensing unit 110, loose banknote depositing and dispensing unit 120, bundled banknote dispensing unit 130, and loose coin depositing and dispensing unit 140 to eject coins, and displays the corresponding display units 112 to 142 is illuminated and displayed via the display controller 152, and the shutters 111 to 111 are displayed via the shutter driver 154.
141 is opened, and the user receives the dispensed cash (step S16). After receiving the cash, the receipt processing unit 103
Prints and issues a receipt, and ends the dispensing operation (step S17).

In the above description, after the data from the host computer 5 is fetched from the memory 151 into the control unit 150, the cash reception screen is displayed and confirmed (steps S12 to S15). May be omitted and money is directly dispensed and withdrawn.

In the above description, a one-time password is issued at the time of withdrawal. However, a predetermined card is given to a user of the present system, and the card is read by a card reader of the cash processor 100. The money may be inserted into the coin 102 to withdraw money. Furthermore, although the explanation has been given of withdrawal at a bank, it is also possible to install a cash processing machine at a convenience store.

[0021]

As described above, according to the dispensing system using the network of the present invention, it is possible to provide a password required for dispensing and to request a dispensing transaction without handing over a passbook or a seal. Can be made, the desired denomination as operating funds such as change,
You can receive the quantity of cash. In addition, since the dispensing process has already been completed when the user goes to the place of the cash dispenser, no extra dispensing is performed and the dispensing operation is simplified.

Further, in the case where a one-time password is issued upon completion of withdrawal, the security is improved for both the requesting side and the requested side by teaching the requester a valid password only once.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a system configuration example of the present invention.

FIG. 2 is an external view illustrating an example of a cash processing machine.

FIG. 3 is a block diagram showing an example of the internal configuration of the cash processing machine.

FIG. 4 is a flowchart showing a dispensing operation example according to the present invention.

FIG. 5 is a screen diagram showing an example of a dispensing operation screen.

FIG. 6 is a screen diagram showing an example of a denomination designation screen.

FIG. 7 is a screen diagram showing an example of a date and time designation screen.

FIG. 8 is a flowchart showing an operation example at the time of receiving cash.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 branch 2 home / company 3 transaction instruction device 4 center 5 host computer 10 internet 100 cash processor 101 operation display unit 102 card reader 103 receipt processing unit 110 wrapping coin ejection unit 120 loose banknote depositing / dispensing unit 130 bundle banknote ejection Department 140 Bulk coin deposit and withdrawal department

Claims (6)

[Claims] A cash processing machine installed at a financial institution or the like for dispensing cash, a transaction instructing device for instructing transaction contents, and a host computer for processing and managing transaction data of the financial institution or the like are connected via a network. Inputting data relating to the withdrawal transaction and data relating to the cash receipt from the transaction instruction device to the host computer via the network to complete the withdrawal transaction at the host computer, and then specifying the data as the data relating to the cash receipt A cash dispensing system using a network, wherein the cash dispensing machine transmits specific information for specifying the dispensing transaction and data on the cash receipt. 2. The cash dispenser comprises a memory,
2. The dispensing system using a network according to claim 1, wherein the transmitted data is stored. 3. The specific information for specifying the withdrawal transaction is a one-time password that is valid only once, and when the one-time password is input and verified, based on the data relating to the cash receipt. 3. A dispensing system using a network according to claim 1 or 2, wherein the dispensing system is for dispensing cash. 4. The ID information of a card to which specific information for specifying the withdrawal transaction has been given is made valid only when the withdrawal transaction is performed, and the card is inserted and collation is performed. 3. A dispensing system using a network according to claim 1 or 2, wherein cash is dispensed on the basis of data on the cash receipt. 5. A dispensing system using a network according to claim 1, wherein the data on cash receipt includes data on a denomination and a quantity of cash received. 6. The dispensing system using a network according to claim 1, wherein the data on the cash receipt includes data on the date and time of the cash receipt.