JP2002298062A - Cash receipt system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cash receipt system operated at low cost and simplifying and quickening the process in a store. SOLUTION: This cash receipt system is so formed that, when a telegraphic remittance for transferring funds from an account of a user is transmitted from a portable terminal 2 to a relay host 11, the host replies a transaction number for the transaction and stores transaction data in a history DB 11a as history information, and an accounting host 12 transfers the funds to a special deposit 13. When the transaction number is inputted from a store terminal 3 and if the transaction number is the transaction number replied to the portable terminal 2, the transaction data is transmitted to the store terminal 3 to output a receipt of the funds transfer. When the store terminal 3 demands the payment and a list transfer to the cash payment, the accounting host 12 transfers the funds of the special deposit 13 to a store account 14.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for a depositor to receive cash from his or her account in a store such as a convenience store, a gas station, a family restaurant, a fast food store or a service area on a highway. In particular, the present invention relates to a cash receiving system capable of performing cash receiving processing in a store at low cost, easily and quickly.

[0002]

2. Description of the Related Art As a system in which a depositor receives a cash refund from his / her own account, an automatic teller machine (ATM) is used.
It has been known. In particular, in recent years, ATMs have been increasingly installed in convenience stores.

[0003] In recent years, a service that allows a user to connect to the Internet using a mobile phone or a personal computer (PC), access a bank site, check the balance of one's own account, or transfer money to another account. Is spreading.

[0004] Japanese Patent Application No. Hei 11-306255, published on November 5, 1999, entitled "Cash Receiving System, Cash Receiving Method, and Cash Receiving Method", discloses a technique for enabling the receipt of cash at a convenience store or the like. Card (applicant: Sanwa Bank, Ltd. and others, inventor: Kazuhiko Tokita and others). The present invention is a system for receiving cash at a facility other than a store of a financial institution, a card information reading means for reading a cash card, a password input means for inputting a password, and a desired amount of money for inputting a desired amount of money to be received. A financial transaction device including an input unit and a cash supply unit that supplies cash is disclosed.

[0005]

However, ATMs installed in the above-mentioned conventional convenience stores and the like,
The financial transaction device constitutes a part of the financial institution, and it is necessary to perform maintenance and management on the financial institution side, and there is a problem that the cost is increased. In particular, the work and security for stocking and delivering cash to ATMs and the like have become expensive.

When using an ATM installed in a store such as a convenience store, there is usually only one A.
In some cases, use is avoided because they hate to line up with TM.

The present invention has been made in view of the above circumstances, and has as its object to provide a cash receiving system that can be operated at low cost and that can simplify and speed up processing in a shop.

[0008]

SUMMARY OF THE INVENTION According to the present invention, when a message for transferring funds for receiving cash is received, information for identifying a transaction is returned to the message, and transaction data in the message is returned. When the information is stored from the user's account that receives the funds as cash to the fund storage unit and information for identifying the transaction is input from the terminal, the information for identifying the transaction is returned to the transaction. A cash receiving system comprising: a financial institution processing system that determines whether or not the information matches the information for identifying the funds transfer, and outputs a signal indicating that the fund transfer is accepted to the terminal when the information matches. Thereby, in the cash receiving process, the process at the terminal provided in the store can be performed easily and quickly.

The present invention also provides the cash receiving system, wherein the financial institution processing system inputs a payment request for cash payment from a terminal provided in the store, and transfers the funds transferred to the fund storage unit to the store. A process of moving to an account. As a result, the terminal provided in the store can be used as a terminal for requesting the transfer of funds from the fund storage unit to the store account, and the cost can be reduced by operating the terminal under the management of the store. Can be.

Further, the present invention is characterized in that, in the above cash receiving system, the fund storage unit is a separate deposit of a financial institution.

[0011] Further, according to the present invention, in the cash receiving system, when a message for transferring funds for receiving cash from a customer terminal is received, information for identifying a transaction is returned to the message and the message is transmitted. And a relay host that stores the transaction data in the history information database and outputs the fund transfer instruction, and an account that transfers the fund from the user's account that receives cash by inputting the fund transfer instruction to the fund storage unit. When the relay host inputs information for identifying a transaction for receiving the fund from a shop terminal provided in the shop, the information for identifying the transaction is transmitted to the customer. Search the history information database to see if it matches the information for identifying the transaction returned to the terminal, and if it matches, store it in the history information database The cash storage unit outputs the cashing data to the shop terminal to output the receipt confirmation data of the fund transfer. When the accounting host inputs a payment request for cash payment from the shop terminal, the cash storage unit A process of transferring the funds transferred to the store account. As a result, cash reception processing at the shop can be performed easily and quickly at low cost.

Further, according to the present invention, in a customer terminal, information for identifying a user, user registration processing for registering an account of a user whose funds are to be deducted are performed, and a message for receiving cash is transmitted. In doing so, the account to which the funds are transferred, information for identifying the user,
When the amount of the transaction is transmitted to the relay host, information for identifying the transaction returned from the relay host is received.

Further, the present invention is characterized in that the customer terminal is a portable terminal.

Further, according to the present invention, the portable terminal performs a user registration process for registering an account to which funds are to be transferred in advance, and relays information for identifying a user and a transaction amount when transmitting a message. It is characterized in that it is transmitted to the host.

Further, according to the present invention, the shop end performs a principal authentication process and, when information for identifying a transaction for receiving cash is input, transmits the information to the relay host to identify the transaction. If the relay host determines that the information for the transaction matches the information for identifying the transaction returned to the customer terminal, it receives the transaction data transmitted from the relay host and transfers funds based on the transaction data. Is output.

Further, according to the present invention, in the cash receiving system, upon receiving a message of fund transfer for receiving cash from a customer terminal, information for identifying a transaction is returned to the message, And a relay host that stores the transaction data in the history information database and outputs the fund transfer instruction, and an account that transfers the fund from the user's account that receives cash by inputting the fund transfer instruction to the fund storage unit. When the relay host inputs information for identifying a transaction for receiving the fund from a shop terminal provided in the shop, the information for identifying the transaction is transmitted to the customer. Search the history information database to see if it matches the information for identifying the transaction returned to the terminal, and if it matches, store it in the history information database And outputs the argument data to the shop terminal is intended to output the reception confirmation data transfers of funds,
When the accounting host inputs a list transfer request from the shop terminal to collectively transfer a plurality of cash payments, a process of transferring the plurality of funds transferred to the fund storage unit to the shop account is performed. Characterized in that: As a result, cash receipt processing at stores can be performed at low cost
Can be done quickly.

Further, according to the present invention, in the above cash receiving system, the relay host receives the input of the upper limit of the reception from the shop terminal, stores it, and calculates and stores the cumulative amount of the transaction. When receiving a telegram of fund transfer for receiving cash from the terminal and returning information for identifying the transaction, the cumulative amount of the transaction is obtained from the transaction amount of the fund,
If the cumulative amount of the transaction exceeds the upper limit, the subsequent transaction is terminated. Thereby, the shortage of cash in the shop can be resolved.

According to the present invention, in the cash receiving system, the relay host receives the input of the upper limit of the reception from the shop terminal and stores it, and calculates and stores the accumulated amount of the transaction. When receiving a telegram of fund transfer for receiving cash from the terminal, the accumulated amount of the transaction is obtained from the transaction amount of the fund, and the transaction is terminated when the accumulated amount of the transaction exceeds the upper limit of acceptance. It is characterized by doing. Thereby, the shortage of cash in the shop can be resolved.

Further, according to the present invention, in the above cash receiving system, the accounting host sets a dummy account for each user as a fund storage unit, and transfers the fund to the dummy account in accordance with a fund transfer instruction from the relay host, The funds are transferred from the dummy account to the shop account in response to a payment request or a list transfer request from the shop terminal. As a result, even when the system is used, cash reception processing at a store can be performed easily and quickly at low cost.

[0020]

Embodiments of the present invention will be described with reference to the drawings. The cash receiving system according to the embodiment of the present invention transmits an exchange message or a payment instruction message (hereinafter, simply referred to as “exchange message”) for transferring funds from a user's account to a relay host from a mobile terminal. When the transaction number is returned to the transaction and the transaction data is stored as history information, the funds are transferred to a separate deposit at the accounting host, and thereafter, when the transaction number is input from the shop terminal, the transaction number If the is the transaction number returned to the mobile terminal, the transaction data is transmitted to the shop terminal to output that the fund transfer is accepted, and the shop terminal requests payment for cash payment, list transfer request When there is
The accounting host transfers the funds of the separate deposit to the account of the shop, and can easily and quickly perform the cash receiving process at the shop at low cost.

The structure of the cash receiving system according to the embodiment of the present invention will be described with reference to FIG. FIG.
1 is a configuration block diagram of a cash receiving system according to an embodiment of the present invention. As shown in FIG. 1, the cash receiving system (the present system) according to the embodiment of the present invention basically includes a bank processing system 1, which is a processing system of a financial institution, a mobile terminal 2, and a shop terminal 3. Is configured. Actually, there are a plurality of mobile terminals 2 connected to the bank processing system 1, and a plurality of shop terminals 3 connected to the bank processing system 1. If the mobile terminal 2 is a mobile phone, the connection between the mobile terminal 2 and the bank processing system 1 may use an Internet connection service provided by a carrier. It is conceivable that a dedicated line or a public line is used for the connection.

The bank processing system 1 includes a relay host 11
And an accounting host 12. here,
The division between the relay host and the accounting host is part of the function of the host computer of the financial institution, and it is conceivable that the processing in these hosts is outsourced. The relay host 11 receives the exchange message from the mobile terminal 2 and stores the transaction contents in a history information database (history information DB) 11a, and transmits and receives transaction data relating to cash receipt to and from the shop terminal 3. I do.

The accounting host 12 processes normal banking operations, and further transfers funds from a specific portable terminal 2 (transfer), which is a feature of the present invention, from a personal account to a fund storage unit, for example, a separate deposit. Then, the fund transfer b1 is performed on No. 13. Further, when there is a payment request or the like from the shop terminal 3 to the bank processing system 1 for the paid cash, the funds transfer b2 from the separate deposit 13 to the shop account 14 is performed. Normally, a separate deposit is used to temporarily hold the transfer amount at a bank when the transfer is made on the next day, but in the present invention, the owner of the portable terminal 2 transfers cash I use it to receive it. In addition, the separate deposit 13 is the shop account 1
One or a plurality are provided in correspondence with No. 4, and it is a deposit account that is managed for the shop in the bank.

The portable terminal 2 can access the Internet, accesses a bank website via the Internet, and connects to the relay host 11. In addition, the mobile terminal 2 transmits an exchange message for cash receipt to the relay host 11, and receives information for identifying a transaction, for example, a "transaction number" at that time. Here, the mobile terminal 2
Although a mobile phone that can be connected to the Internet was assumed, a personal computer (PC) or personal information terminal (PD)
A). Further, instead of the portable terminal 2, a desktop PC may be used. These terminals are collectively referred to as “customer terminals”.

The shop terminal 3 is operated by the owner of the portable terminal 2 and receives receipt confirmation data, for example, a receipt for a transfer or payment instruction (hereinafter simply referred to as a "transfer receipt confirmation") by inputting a valid "transaction number". 4) is output.
Cash will be paid from the cash register of the shop according to the transfer confirmation slip. In this system, the transfer receipt confirmation slip is output, but when the clerk checks the screen of the shop terminal, the transaction details are written on the IC card, the data is displayed on the cash register, and the capacity is When checking, or when the store terminal and the cash register are connected by wire or wireless, and the transaction data is transferred from the store terminal to the cash register and the clerk checks, it is not necessary to use the transfer receipt confirmation slip Good.

The outline of the processing in this system will be described with reference to FIG. First, in order to use the present system, the user operates the relay host 11 via the portable terminal 2.
Register as a user. Thereafter, the user transmits the exchange message a to the relay host 11 of the bank processing system 1 in order to receive payment of cash using the mobile terminal 2. "Transaction number" is returned in response to this transmission.

The above transaction is stored in the relay host 11 and output to the accounting host 12 so that the transaction amount b1 is transferred from the user's account to the separate deposit 13. Then, the user operates the shop terminal 3 to read the card, authenticate the user, and receive a transfer receipt confirmation slip 4 printed by inputting a valid transaction number. By presenting the transfer receipt confirmation slip 4, cash is received from the cash register of the shop.

The shop terminal 3 is a bank processing system 1
In order to have the user pay the cash paid to the accounting host 12, the payment request is automatically made at the time of output of the transfer acceptance confirmation slip. Thereby, accounting host 1
2 transfers funds corresponding to the amount of the payment request from the separate deposit 13 to the shop account 14 (fund transfer b2). If the shop terminal is linked to the POS, it is possible to request another PC connected to the POS to make a payment request.

Next, information transfer between the portable terminal 2 and the shop terminal 3 and the bank processing system 1 will be described in detail with reference to FIG. FIG. 2 is a schematic diagram for explaining information transfer in the present system. First, a user registration process is performed between the mobile terminal 2 and the bank processing system 1 first. In this case, the user specifies his own account to withdraw cash and registers. In this user registration, it is also possible to designate and register the account of the store where the cash is to be transferred in advance. Thereafter, the user connects to the relay host 11 via the Internet using the portable terminal 2 and inputs, for example, a personal identification number, the amount of cash to be received (transaction amount) and the like as information for identifying the user himself / herself. To send the exchange message a, and the relay host 11
Receive transaction number from.

Further, when the portable terminal 2 accesses a website, it is possible to select a store account for receiving cash or a user account for which cash is to be withdrawn according to the guidance on the website. For example, considering cash receipt in a service area, it is more convenient to be able to select a cash receiving store at the destination.

Basically, from the portable terminal 2 to the relay host 1
The information to be sent to 1 requires its own account (bank code, store number, account number), the account of the transfer destination (bank code, store number, account number), the PIN of the card, and the transaction amount. However, when the above information is input by operating the mobile terminal 2, the operation is troublesome. Therefore, at the stage of user registration, register your own account or further transfer account (shop account). If the information is registered beforehand, the operation on the mobile terminal 2 is simplified.

In the example of FIG. 3, the user's own account is registered by user registration, and the “bank code”, “shop number”, “account number”, “card PIN”, and “amount” of the transfer destination are transmitted from the portable terminal 2. Shows what to send. When connected to the relay host 11, the relay host 11 holds the information of the user and the transfer destination, such as “bank code”, “shop number”, and “account number”. "Can be traded simply by sending the". " In addition, the bank code, the store number, and the account number of the transfer destination are stored in advance in the internal memory of the mobile terminal 2 and read out when transmitting the exchange message a, and only the “card PIN” and “amount” are read. May be input. FIG. 3 is a diagram illustrating information processed by the mobile terminal.

Next, the processing in the portable terminal 2 will be described with reference to FIG. FIG. 5 is a flowchart illustrating processing in the mobile terminal. The processing in the mobile terminal 2 is as follows.
As shown in FIG. 5, the portable terminal 2 is operated to connect to the relay host 12 of the bank processing system 1, and a cash receiving service is selected (S11). Subsequently, a personal identification number or the like is input from the mobile terminal 2 (S12), and a debit account (user's account) is selected (S13). Thereafter, a balance inquiry is made (S14), a transfer destination (shop account) is selected (S15), and a transaction amount is input (S16). The transaction number is transmitted to the mobile terminal 2 if appropriate.
The mobile terminal 2 receives the transaction number (S17). In the balance inquiry, after the process S13, the relay host 11 checks the balance of the user account with the accounting host 12, transmits the balance to the portable terminal 2, and displays the balance on the portable terminal 2.

In addition, if a large amount of money is transferred for one cash receipt, the store will have to have more financial margin.
They try to choose from as little as 10,000, 30,000 and 50,000 yen. Specifically, when the mobile terminal 2 accesses the website, guidance for selecting the amount is displayed, and the guidance prompts the user to select one of the above-mentioned 13,500,000 yen. I have.

The relay host 11 having received the exchange message a from the portable terminal 2 stores transaction data relating to the exchange message in the history information DB 11a. In this case, the relay host 11
Performs a process of setting a transfer flag on the transaction data. This transfer flag is lowered when the user operates the shop terminal 3 to receive cash. That is, the flag is used to determine whether or not there is a transaction for receiving cash from the shop terminal 3. Further, the relay host 11 outputs transaction data of the exchange message to the accounting host 12. The accounting host 12 transfers the funds b1 to the separate deposit 13 based on the transaction data. This fund transfer b1 includes a commission for cash receipt.

Next, the transfer of information between the shop terminal 3 and the bank processing system 1 will be described with reference to FIGS. 2, 4 and 6. FIG. 4 is a configuration block diagram schematically showing the appearance of the shop terminal, and FIG. 6 is a flowchart showing processing in the shop terminal. As shown in FIG. 4, the components appearing on the exterior of the shop terminal 3 include, for example, a display unit 31,
An input unit 32 and a card reader 33 are provided. still,
As an internal configuration, a processing unit such as a CPU that performs information processing,
It has a storage unit for storing programs and necessary data, and a transmission / reception unit for transmitting / receiving data.
Here, the card reader 33 may read a magnetic cash card or may read an IC card. Of course, an IC card can improve security.

The processing in the shop terminal 3 is performed according to the operation guidance displayed on the display unit 31, as shown in FIG.
The card is passed through the card reader 33, the personal identification number is input from the input unit 32, and the card information and the personal identification number are inquired to the accounting host 12 to perform personal authentication (S21). Thereafter, the transaction number is input from the input unit 32 (S22).
Then, the transaction number is transmitted to the relay host 11. If the card is not correct or the password is incorrect in the personal authentication, an error is displayed on the display unit 31 to re-read the card and re-enter the password.

The relay host 11, which has received the transaction number from the shop terminal 3, searches the history information DB 11a and checks whether there is transaction data corresponding to the transaction number in the transaction data with the transfer flag set. If there is no corresponding transaction data, the relay host 11 sends a message to that effect to the shop terminal 3, and the shop terminal 3 displays an error indicating that the transaction number is incorrect on the display unit 31, and Perform a process to prompt for a transaction number. If there is such transaction data, the relay host 11 transmits the content of the transaction data to the shop terminal 3, and the shop terminal 3 prints out the content as a transfer receipt confirmation slip. The user presents the transfer receipt confirmation slip to the store clerk and receives the cash.

The shop terminal 3 automatically issues a payment request d to the bank processing system 1 after performing cash payment processing (cash reception processing) to the user. The payment request d is executed by transmitting the transaction data transmitted from the relay host 11 to the shop terminal 3 to the accounting host 12. Payment request d
The accounting host 12 having received the information performs a process of transferring funds from the separate deposit 13 to the shop account 14 (fund transfer b2).

In the above example, it is assumed that the transaction data relating to the payment request d from the shop terminal 3 is not rewritten, but the bank processing system 1 checks the contents of the payment request d from the shop terminal 3. If so, the relay host 11 receives the payment request d, refers to the history information DB 11a, compares the transaction with the transaction of the payment request d, and outputs an instruction of the fund transfer b2 to the accounting host 12 when they match. Alternatively, the accounting host 12 may perform the fund transfer b2 from the separate deposit 13 to the shop account 14 according to the instruction. Note that the shop terminal 3 inquires of the accounting host 12 for a change statement c.
1. A balance inquiry c2 can be performed.

Next, the transfer acceptance restriction processing in this system will be described with reference to FIGS. FIG. 7 is a block diagram showing the outline of the transfer acceptance restriction process, and FIG. 8 is a flowchart showing the reception restriction process at the relay host. The transfer acceptance restriction process means that if the cash reception process by the user is performed without restriction, cash in the cash register at the store may be insufficient and normal commercial transactions may be obstructed. This is to set it, and when the limit is reached, the transaction of cash receipt at the shop is terminated.

As shown in FIG. 7, the shop terminal 3 transmits the transfer acceptance upper limit amount e to the relay host 11. The relay host 11 stores the received transfer acceptance upper limit amount e in the history information DB.
At 11a, it is stored as the transfer acceptance upper limit A. Further, the cumulative B of the transactions in the store is stored in the history information DB 11a.

The transfer acceptance restriction processing in the relay host 11 is as follows.
As shown in FIG. 8, when a transaction (foreign exchange message a) for cash receipt is received from the mobile terminal 2 (S31), the current transaction amount is added to the current transaction accumulation to obtain a new transaction accumulation B. It is determined (S32). Next, the transfer acceptance upper limit A is read (S33), and it is determined that AB ≦ 0 (A: transfer acceptance upper limit, B: accumulation of transactions).

If the above relational expression is satisfied (in the case of Yes), the transaction is terminated so as not to accept any further transfer (S35). Therefore, the subsequent transfer acceptance will be rejected. If the above relational expression does not hold (No), the transaction can be continued.
Returning to 1 will correspond to the next transaction.

The transfer acceptance restriction process shown in FIG. 8 is a process for determining whether or not cumulative B has exceeded the transfer acceptance upper limit A due to the transaction after receiving the forex message, and continuing or ending the subsequent transaction. It is determined whether or not the cumulative B generated by the transaction of the forex message has exceeded the transfer acceptance upper limit A before receiving the forex message and returning the transaction number, If it exceeds, the transaction end may be notified to the mobile terminal 2 without returning the transaction number.

Next, the processing after receipt by the depositor will be described with reference to FIG. FIG. 9 is a schematic diagram illustrating processing after reception. In the example of FIG. 9, the shop terminal 3 does not automatically transmit the payment request to the accounting host 12, but collects the transfer of the number of transactions collected by the regular operation on the shop terminal 3. Request. This request is referred to as a list transfer request f.

The transaction data transmitted from the relay host 11 to the shop terminal 3 in order to output the transfer acceptance confirmation slip 4 at the shop terminal 3 is stored in the storage unit of the shop terminal 3 up to the list transfer request f. Stored. The stored data is protected from being rewritten and is deleted when a list transfer request f is made. The list transfer request f is executed by the shop terminal 3 transmitting all the transaction data accumulated in the storage unit to the accounting host 12. The shop terminal 3 is programmed to delete the transaction data in the storage unit after transmitting the list transfer request f. Account host 12 receiving list transfer request f
Performs the process of transferring funds from the separate deposit 13 to the store account 14 (fund transfer b2). The fund transfer b1 from the accounting host 12 to the special deposit 13 is performed when the exchange message a from the mobile terminal 2 is received and the transaction number is returned.

Next, a modification of the present system will be described with reference to FIG.
This will be described with reference to FIG. FIG. 10 is a schematic diagram for explaining a system configuration using a dummy account. In the embodiments shown in FIGS. 1 to 9, funds are transferred to the store account using a separate deposit, but in the example of FIG. 10, an A dummy account is provided for the transfer requester account A15a. The bank terminal 16a is provided with a B dummy account 16b for the transfer requester account B15b, and is temporarily moved to the dummy account 16 in response to a fund transfer request from the mobile terminal 2 by a foreign exchange message. Payment request d or list transfer request f
Is received by the accounting host 12, the transfer of funds b2 from the dummy account 16 to the shop account 14 may be performed. In this case, the accounting system becomes large-scale, but it is effective when outsourcing accounting business.

According to the cash receiving system according to the embodiment of the present invention, the relay host 11 stores the cash transfer request for cash reception from the portable terminal 2 as history information, and System host 12 is a separate deposit 13
When the cash transfer b1 is performed and the operation for cash receipt is performed from the shop terminal 3, the history information of the relay host 11 is checked, and the shop terminal 3 outputs the transfer receipt confirmation slip and uses it. Cash transfer is possible to the customer, and the accounting host 12 performs the fund transfer b2 from the special deposit 13 to the shop account 14 in response to the payment request d or the list transfer request f from the shop terminal 3. The shop terminal 3 can be positioned not as an ATM but as a terminal for requesting the transfer of funds from the separate deposit 13 to the shop account 14, so that the shop terminal 3 can be used not under bank management but under shop management. Therefore, the shop terminal 3 can be operated at a low cost, and since the fund transfer request has been made in the mobile terminal 2 in advance, the operation at the shop terminal 3 can be simplified.

Further, according to the cash receiving system according to the embodiment of the present invention, the transfer acceptance restriction process for restricting the amount of funds that can be handled in the shop in response to the fund transfer request from the portable terminal 2 is performed. Therefore, there is an effect that the shortage of cash in the shop can be eliminated.

In the above embodiment, the bank processing system 1
The processing with the shop terminal 3 has been mainly described, but a system for maintaining the shop terminal 3 may be added. In this case, it is possible to provide a network and a maintenance processing device for online connection to the shop terminal 3, manage the status of the shop terminal 3 online, and construct a system for checking for problems in advance.

[0052]

According to the present invention, upon receiving a telegram of fund transfer for receiving cash, information for identifying a transaction is returned to the telegram, and transaction data in the telegram is stored. Is transferred from the user's account that receives cash as cash to the fund storage unit, and when information for identifying the transaction is input from the terminal, the information for identifying the transaction returns the information for identifying the transaction returned. The cash receiving system includes a financial institution processing system that outputs to the terminal that the fund transfer has been accepted when it matches with the terminal, so that the processing at the terminal provided at the store in the cash receiving process is simple and quick. There is an effect that can be performed.

According to the present invention, when the financial institution processing system inputs a payment request for cash payment from a terminal provided in the store, the financial institution processing system performs processing for transferring the funds transferred to the fund storage unit to the store account. Since the cash receiving system is used, the terminal provided in the store can be used as a terminal for requesting transfer of funds from the fund storage unit to the account of the store, and the terminal can be operated under the management of the store. There is an effect that the cost can be reduced.

According to the present invention, upon receiving a telegram of funds transfer for receiving cash from a customer terminal, information for identifying a transaction is returned to the telegram, and the transaction data in the telegram is stored in a history information database. And remember
A relay host that outputs a transfer instruction of funds, and an accounting host that transfers funds from an account of a user who receives cash by inputting the transfer instruction of funds to a fund storage unit, wherein the relay host is provided in the shop If you enter information to identify the transaction to receive funds from the shop terminal that was received, whether the information to identify the transaction matches the information to identify the transaction returned to the customer terminal The history information database is searched, and if they match, the transaction data stored in the history information database is output to the shop terminal and the receipt confirmation data of the fund transfer is output, and the accounting host pays for cash receipt from the shop terminal. When a request or a list transfer request is entered, the cash transfer system is used to transfer the funds transferred to the fund storage unit to the store account. One there is an effect that it is possible to carry out simple and quick.

According to the present invention, the relay host receives the input of the upper limit from the shop terminal, stores it, calculates and stores the accumulated amount of the transaction, and receives cash from the customer terminal. When receiving the telegram of fund transfer and returning information for identifying the transaction, the accumulated amount of the transaction is calculated from the transaction amount of the fund, and if the accumulated amount of the transaction exceeds the upper limit of acceptance, then Since the above-described cash receiving system for ending the transaction is used, there is an effect that the shortage of cash in the shop can be resolved.

According to the present invention, the relay host receives and stores the upper limit of the reception amount from the shop terminal, calculates and stores the accumulated amount of the transaction, and receives the cash from the portable terminal. When receiving the telegram of the fund transfer to receive, the cumulative amount of the transaction is obtained from the transaction amount of the fund, and when the cumulative amount of the transaction exceeds the upper limit of the reception, the cash receiving system to end the transaction is performed. Because
This has the effect of eliminating the cash shortage at the store.

According to the present invention, the accounting host establishes a dummy account for each user as a fund storage unit, transfers funds to the dummy account in accordance with a transfer instruction from the relay host,
The cash receipt system described above transfers funds from the dummy account to the store account in response to a payment request or a temporary transfer request from the store terminal. -There is an effect that can be performed quickly.

[Brief description of the drawings]

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

FIG. 2 is a schematic diagram for explaining information transfer in the present system.

FIG. 3 is a diagram showing information processed by a mobile terminal.

FIG. 4 is a configuration block diagram illustrating an outline of the appearance of a shop terminal.

FIG. 5 is a flowchart illustrating a process in the mobile terminal.

FIG. 6 is a flowchart illustrating processing in a shop terminal.

FIG. 7 is a configuration diagram illustrating an outline of a transfer acceptance restriction process.

FIG. 8 is a flowchart illustrating a transfer acceptance restriction process in the relay host.

FIG. 9 is a schematic diagram illustrating processing after reception.

FIG. 10 is a schematic diagram for explaining a system configuration using a dummy account.

[Explanation of symbols]

1 ... bank processing system, 2 ... portable terminal, 3 ... shop terminal, 4 ... transfer acceptance confirmation slip, 11 ... relay host,
11a: history information DB, 12: accounting host, 13
... Separate deposit, 14 ... store account, 15a ... transfer client account A, 15b ... transfer client account B, 16a ... A dummy account, 16b ... B dummy account, 31 ... display part,
32: input unit, 33: card reader

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Tadao Asahara 2-7-1 Marunouchi, Chiyoda-ku, Tokyo Inside the Bank of Tokyo-Mitsubishi Corporation (72) Inventor Hideo Kubota 2-3-10 Kawaramachi, Chuo-ku, Osaka-shi, Osaka No. Kyoraku System Create Co., Ltd. F-term (reference) 3E040 AA10 BA17 CA12 CA14 CB04 DA03 EA01 EA02

Claims (11)

[Claims] 1. Upon receiving a message instructing a transfer of funds,
Returning information for identifying a transaction to the message, storing transaction data in the message, moving the fund to a fund storage unit, and inputting information for identifying the transaction, Determine whether the information for identifying the transaction matches the information for identifying the returned transaction,
A cash receiving system comprising: a function realizing unit that outputs that the transfer of funds is accepted when they match. 2. The cash receiving system according to claim 1, wherein upon receipt of the instruction of the payment request, a process of further moving the fund moved to the fund storage unit is performed. 3. The cash receiving system according to claim 1, wherein the fund storage unit is a separate deposit unit of a financial institution. 4. Upon receiving a message instructing the transfer of funds,
A function realizing means for returning information for identifying a transaction to the message, storing transaction data in the message in a history information database, and outputting the fund transfer instruction, and receiving the fund transfer instruction Then, a function realizing means for transferring the fund in the fund storage unit is provided, and when information for identifying the transaction is received, the information for identifying the transaction is used for identifying the transaction returned to the message. The history information database is searched to determine whether or not the information matches the information. If the information matches, information on receipt of transfer of funds including transaction data stored in the history information database is output. A cash receiving system further comprising a function realizing means for further moving the fund moved to the storage unit. 5. A user registration process for registering information for identifying a principal and a fund withdrawal account in advance, and when transmitting a message for instructing a fund transfer, identifying the account to which the fund is to be transferred and identifying the principal. A communication device comprising: a function realizing unit that transmits information for performing a transaction and an amount of the transaction, and receives information for identifying the transaction returned in response to the information. 6. The communication device according to claim 5, wherein the communication device including the function realizing means according to claim 5 is a portable terminal. 7. A communication device for performing personal authentication processing, transferring information for identifying an input transaction, and outputting data for confirming receipt of funds transfer relating to the transaction. 8. Upon receiving a message instructing the transfer of funds,
A function realizing means for returning information for identifying a transaction to the message, storing transaction data in the message in a history information database, and outputting the fund transfer instruction, and receiving the fund transfer instruction Then, the fund storage unit has a function realizing means for transferring the fund, and when information for identifying the transaction is received, the information for identifying the transaction matches the information for identifying the returned transaction. Whether or not the history information database is searched, and if they match, the transaction data stored in the history information database is output together with the receipt confirmation data of the fund transfer. Receiving a list transfer request to perform a process of further moving a plurality of funds moved to the fund storage unit. Cash receipt system to butterflies. 9. When the input upper limit is stored, the accumulated amount of the transaction is stored, and when a message for instructing the transfer of funds is received and information for identifying the transaction is returned, the transaction amount of the fund is returned. The cash receiving system according to claim 4, wherein a cash transfer instruction is not received if the accumulated amount of the transaction exceeds the upper limit of the reception. 10. The system stores an input upper limit amount, stores a cumulative amount of a transaction, and upon receiving a message instructing a transfer of funds, updates the cumulative amount of the transaction based on the data of the instruction of the fund. 9. The cash receiving system according to claim 4, wherein if the updated accumulated amount exceeds the upper limit, the instructed fund transfer is not performed. 11. The fund storage unit according to claim 4, wherein the fund storage unit is a dummy account provided for each user.
11. The cash receiving system according to any one of claims 10 to 10.