JP2003051053A - Vending device, automatic deposit system and fund transfer device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system, with which a fraction in the remainder of a prepaid card or electronic money can be automatically transferred to a bank account, and a device to be used for this system. SOLUTION: A user inserts a negotiable medium 16 to an automatic vending machine 12 and gives an article purchase instruction. The price of purchase is subtracted from an amount read from the negotiable medium 16 by a calculation/instruction means 22. When the subtracted result has a fraction, the fraction is further subtracted so that an amount convenient to leave off can be provided. Such an amount convenient to leave off is stored in the negotiable medium 16 by a read/write means 20. As a result, the amount recorded on the negotiable medium 16 can be maintained with the amount convenient to leave off. An instruction to pay the amount of the fraction to a prescribed account is given to an account managing device 14 by the calculation/instruction means 22. When this instruction is received, the amount of 'fraction' excessively removed from the negotiable medium 16 is paid to the prescribed account by the account managing device 14. Thus, the fraction can be saved in the account.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to an automatic deposit system. In particular, it relates to a system capable of automatically moving a part of electronic money or money in a prepaid card to a predetermined deposit account.

[0002]

2. Description of the Related Art Conventionally, various electronic money, prepaid cards, and other electronically recorded media having a financial value have been widely used.

For example, Mondex (registered trademark) is known as electronic money. This mondex is I
It is called C-card type electronic money and has the same value as ordinary money by inserting (writing) money from a bank account into the IC card.

The user can use this Mondex IC card in a vending machine, a public telephone, a retail store, or the like.

It is also possible to attach a plurality of IC cards to a device called a wallet and transfer funds between the IC cards. With such a function, money can be exchanged between individuals.

On the other hand, purchase of train tickets, public telephones, etc.
Prepaid cards are used for various payment purposes. Often, these prepaid cards are inserted into a given device and based on the balance of the prepaid card,
You can make phone calls and purchase tickets. Then, when the telephone conversation is completed, the amount of money involved in the prepaid card is reduced. Also,
If you buy a ticket, the amount of the prepaid card will be reduced by the amount of the ticket.

[0007]

In the conventional prepaid card, the amount of money used is gradually reduced, and as a result, a so-called fraction often remains at the end. Therefore, in order to process this fraction, it is necessary to work together with other cash, which requires complicated work.

[0008] In the case of electronic money, it is necessary for the user to make a judgment on his or her own account and to carry out work such as returning to the bank account, for the fraction remaining as a result of use.

As described above, it is the same that the processing of the remaining fractional amount used for both prepaid cards and electronic money becomes complicated. It would be convenient if such a fraction could be automatically transferred to a predetermined bank account.

The present invention has been made based on such a background, and it is an object of the present invention to provide a system and a device used for the system that can automatically transfer the fraction of the balance of a prepaid card or the like to a bank account. And

[0011]

In order to solve the above problems, the present invention reads a valuable medium in which a predetermined monetary value is stored in a sales device for selling a predetermined product or service to a user. , A reading means for reading the stored amount of money, and a calculation for subtracting the price of the goods or services to be sold from the read amount of money and further subtracting the fraction from the amount of money after subtraction Means, rewriting means for rewriting the amount of money stored in the valuable medium to the denomination of the calculated fractional amount, and means for issuing an instruction to deposit the fraction into a predetermined account. Is a selling device in which a valuable medium characterized by

[0012] With such a configuration, the amount of money recorded on the valuable medium can be rounded down, and further, it can be requested to deposit the fractional amount into the account.

Further, the present invention is, in a vending device for selling a predetermined product or service to a user, a reading means for reading a valuable medium storing a predetermined monetary value and reading the stored amount, Subtracting the price of the goods or services to be sold from the read amount,
When the amount of money after the subtraction is less than the predetermined amount of money, an instruction means for issuing an instruction to deposit the amount of money after the subtraction into a predetermined account, and the amount of money for which the price of the sold product or service is read. And a writing means for rewriting the amount stored in the valuable medium to “0” when the amount after subtraction is less than a predetermined amount, the selling device. .

According to this structure, when the amount of money recorded on the valuable medium becomes small, it can be requested to deposit the small amount into the account, and the amount of valuable medium can be set to "0". You can

The present invention is also a selling device wherein the valuable medium is a prepaid card.

Further, the present invention is a vending apparatus, wherein the valuable medium is electronic money.

Further, the present invention is an automatic deposit system including a selling device for selling a predetermined product or service to a user and an account management device for managing an account, wherein the selling device has a predetermined monetary value. Read the valuable medium stored in the storage medium, read the stored amount, and subtract the price of the sold goods or services from the read amount, and further subtract the fraction from the subtracted amount. , A calculation means for calculating a fractional amount of money, a writing means for rewriting the amount of money stored in the valuable medium into a face value of the calculated fractional amount of money, and an effect of depositing the fractional amount of money into a predetermined account. And an instruction means for issuing the instruction, wherein the account management device deposits the fractional amount into a predetermined account based on an instruction to deposit into the predetermined account. Stage, an automatic deposit system, which comprises a.

According to such a configuration, the amount of money recorded on the valuable medium can be rounded, and the fraction can be credited to the account.

Further, the present invention is an automatic deposit system including a selling device for selling a predetermined product or service to a user and an account management device for managing an account, and a predetermined monetary value is stored. Reading means for reading the medium and reading the stored amount, and subtracting the price of the sold goods or services from the read amount, and when the amount after subtraction is less than a predetermined amount, the subtraction Instructing means for issuing an instruction to deposit the later amount into a predetermined account and subtracting the price of the sold product or service from the read amount, and the amount after subtraction is less than the predetermined amount And writing means for rewriting the amount of money stored in the valuable medium to “0”, the account management device, based on an instruction to deposit into the predetermined account, Payment means for deposit amount after subtraction to a predetermined account, is an automatic deposit system, which comprises a.

According to this structure, when the amount of money recorded on the valuable medium becomes small, the small amount can be deposited into the account, and the amount of valuable medium can be set to "0". it can.

Further, the present invention is the automatic deposit system, wherein the valuable medium is a prepaid card.

Further, the present invention is the automatic deposit system, wherein the valuable medium is electronic money.

Further, according to the present invention, in an apparatus for moving an amount of money between valuable media in which a monetary value is recorded, the reading means for reading the amount of money recorded in the valuable medium, and the reading means are predetermined. When the amount of money read out from the valuable medium is less than the predetermined amount of money, the first writing means for rewriting the amount of money stored in the predetermined valuable medium to "0" and the reading means are the predetermined valuable medium. And a second writing unit for adding the amount of money to another valuable medium when the amount of money read out from the device is less than the predetermined amount of money.

With such a configuration, it is possible to collect and collect a small amount of balance of valuable media.

The present invention also provides an apparatus for moving an amount of money related to a valuable medium in which a monetary value is recorded,
Reading means for reading the amount of money recorded on the valuable medium; and, when the amount of money read out from the predetermined valuable medium by the reading means is less than a predetermined amount of money, the amount of money stored in the predetermined valuable medium, Writing means for rewriting to “0” and instructing means for outputting an instruction to deposit the amount into a predetermined account when the amount read out from the predetermined valuable medium by the reading means is less than the predetermined amount. And a money transfer device.

According to such a configuration, it is possible to collect a small amount of balance of valuable media and collect it in the account.

Further, the present invention is the fund transfer device, wherein the valuable medium is a prepaid card.

Further, the present invention is a fund transfer device characterized in that the valuable medium is electronic money.

[0029]

BEST MODE FOR CARRYING OUT THE INVENTION Preferred embodiments of the present invention will be described below with reference to the drawings.

Embodiment 1 FIG. 1 shows an overall conceptual diagram of an automatic deposit system 10 according to a preferred embodiment 1 of the present invention.

As shown in this figure, this system includes an automatic vending machine 12 for selling tickets and the like, an account management device 1,
It consists of

The vending machine 12 is a vending machine that sells products using electronic money, prepaid cards, or the like.
In this patent, a medium in which a monetary value is recorded, such as electronic money or a prepaid card, is called a valuable medium 16.
This record may be any record that is physically readable and writable, such as electronic, magnetic, optical, and chemical records.

The automatic vending machine corresponds to an example of the selling device in the claims.

The account management device 14 is a device for managing an account and is installed in a bank or the like. This account management device 1
Reference numeral 4 is a part of a so-called online system in a financial institution such as a bank, and deposits and withdraws money (account debiting, etc.) into an account according to an instruction from the outside. The depositing means 18 in the account management device 14 executes deposit processing based on transfer of funds from a valuable medium according to an instruction from the outside. As such a depositing means 18, the one used in the conventional electronic money system can be used almost as it is.

A block diagram of the vending machine 12 is shown in FIG. As shown in this figure, the vending machine 12
Is a read / write means 20 for reading / writing the amount of money in the valuable medium.
And a calculation / instruction means 22 for issuing a payment instruction to the account management device 14, and a sales means 24 for providing a product based on a user's purchase instruction.

The read / write means 20 is means for reading the amount of money in the valuable medium 16 and writing a new amount of money. For example, when the valuable medium 16 is a magnetic card,
A magnetic card reader / writer is used. Any other physical means for reading and writing information may be used.

The reading / writing means 20 corresponds to an example of the reading means and the writing means in the claims.

The calculation / instruction means 22 includes the account management device 14
Is a means for issuing an instruction to the account management device 14, and comprises a communication interface for the account management device 14, a program for causing a computer to execute an instruction operation, and the like. The calculation / instruction means 22 calculates the amount of deposit, etc. based on the price of the product etc. sold by the sales means 24 and gives a predetermined instruction based on this amount of money. The instruction operation will be described later in detail.

The calculation / instruction means 22 corresponds to an example of the calculation means and the instruction means in the claims.

The selling means 24 is means for controlling the operation of a normal vending machine. The selling means 24 provides the user with a predetermined product or the like through an outlet or the like based on the user's purchase instruction.

The specific operation of this embodiment will be described below with reference to the flowcharts of FIGS. 3 and 4.

First, in step S3-1, the user inserts the valuable medium 16 into the vending machine 12 and issues an instruction to purchase a product or the like. The purchase instruction itself is executed by pressing a button or the like as in the conventional vending machine.

Next, in step S3-2, the selling means 24 acquires the purchase price based on the purchase instruction, and sends the purchase price to the calculation / instruction means 22.

In step S3-3, the reading / writing means 20 reads the amount of money in the valuable medium 16 and sends this amount to the calculation / instruction means 22.

In step S3-4, the purchase price is subtracted from the amount of money read from the valuable medium 16 by the calculation / instruction means 22. This subtraction is, so to speak, equivalent to calculating the balance of the valuable medium.

In step S3-5, it is checked whether or not the subtraction result has a fraction. If there is a fraction, the process proceeds to step S4-1. If there is no fraction, the process proceeds to step S4-4.

The fraction is a fractional number, and in many cases is a number less than a certain number of digits. For example, money less than 10 yen, money less than 100 yen, etc. are called fractions in this patent. Of course, less than 1,000 yen, 10,0
You may treat less than 00 yen as a fraction.

Further, not only less than 100 yen but an odd number in units of 50 yen, that is, money less than 50 yen may be treated as a fraction.

In step S4-1, the fraction is further subtracted from the subtraction result. As a result, a so-called good amount of money with no fraction can be obtained.

Next, in step S4-2, this good amount of money is supplied to the reading / writing means 20. Then, the reading / writing means 20 stores the good amount of money in the valuable medium 16.

As a result, according to the present embodiment, the amount of money recorded in the valuable medium 16 can be maintained at a sharp amount, and the situation in which a fraction remains on the valuable medium 16 can be prevented. You can

In step S4-3, the calculation / instruction means 22 issues an instruction to the account management device 14 to deposit a fractional amount into a predetermined account. In response to this instruction,
The account management device 14 deposits the “fractional” amount removed from the valuable medium 16 into a predetermined account.

With such a structure, the user can maintain the value of the valuable medium 16 at a reasonable level,
The fraction does not remain in the valuable medium 16.

On the other hand, in step S4-4, since the fraction does not exist in the subtraction result, the subtraction result may be stored in the valuable medium 16 as it is. The operation of this step S4-4 is almost the same as that of the above step S4-2.

It is desirable that the user previously designates a predetermined account to which the deposit is made. Such an operation also has the effect that the user can save money in the account without knowing it.

Further, in the present embodiment, the vending machine 12
However, it is also preferable to apply the present invention to a device for providing a service, for example, a public telephone. In the case of a public telephone, it is determined whether or not there is a fraction in the call charge at the time the call ends, but other operations are the same as those of the vending machine 12.

Embodiment 2 At the time when only a fraction remains in the valuable medium 16 (only once)
An example of subtracting a fraction will be described.

The conceptual diagram of the automatic deposit system according to the second embodiment is similar to that of FIG. 1, and the block diagram of the vending machine is also similar to that of FIG.

The operation of the automatic deposit system according to the second embodiment will be described with reference to the flowcharts of FIGS.

The operations of steps S5-1 to S5-4 are the same as steps S3-1 to S3-4 of FIG.

In step S5-5, it is checked whether the subtraction result (balance) is less than a predetermined amount.
This test is performed to see if there is a small amount of valuable media remaining that is difficult to use.

If the amount is less than the predetermined amount, it is determined that only a small amount that is difficult to use remains, and the process proceeds to step S6-1. If the amount of money is equal to or more than the predetermined amount, step S6-
The processing shifts to 3.

It is desirable that the predetermined amount of money be determined on the basis of the minimum value of the price of the product or the like to be purchased. For example, in the case of train tickets, it is often preferable to set a predetermined amount of money as the minimum fare. In the case of public telephones, it is often desirable to set the minimum call charge as the above-mentioned predetermined amount. This is because such an amount smaller than the minimum amount is considered to be difficult to use because it is practically impossible to purchase the product etc. only with the valuable medium 16.

In step S6-1 of FIG. 6, the amount “0” is supplied to the reading / writing means 20. Then, the reading / writing means 20 stores this amount “0” in the valuable medium 16. As a result, according to the present embodiment, the value of the valuable medium 16 can be completely set to "0", and it is possible to prevent a situation in which a small amount that is difficult to use remains in the valuable medium 16.

In step S6-2, the calculation / instruction means 22 gives the account management device 14 an instruction to deposit the result of the subtraction in step S5-4, that is, the balance of the valuable medium 16 into a predetermined account. . In response to this instruction, the account management device 14 stores the valuable medium 16 in the predetermined account.
We will deposit the small amount that was left in.

With such a configuration, the user can completely set the value of the valuable medium 16 to "0", and the small amount of difficult-to-use small amount of money that has remained does not remain in the valuable medium 16. .

On the other hand, in step S6-3, since the balance of the valuable medium 16 is not difficult to use, the subtraction result (balance) in step S5-4 may be stored in the valuable medium 16 as it is.

As described above, according to the second embodiment, the amount of money stored in the valuable medium 16 cannot always be a good amount, but a small amount which is difficult to use is a valuable medium 1.
It is possible to prevent the situation of remaining in No. 6.

Embodiment 3 As described in the prior art, a device is known in which a plurality of electronic moneys are attached and funds are transferred between the electronic moneys. In this electronic money fund transfer device,
When the electronic money is inserted, the balance is checked, and if only a small amount that is difficult to use is stored, it is preferable to move the small amount to another electronic money. In the third embodiment, such an electronic money fund transfer device will be described.

FIG. 7 shows an overall conceptual diagram including the electronic money fund transfer device 30 of the present embodiment. As shown in this figure, a plurality of electronic money 32 can be attached to the electronic money fund transfer device 30. The electronic money fund transfer device 30 can transfer funds among a plurality of attached electronic money 32. This point is similar to the conventional device.

An account management device 14 is connected to the electronic money fund transfer device 30. This account management device 14 is similar to the account management device 14 described in FIG.

FIG. 8 shows a block diagram of the electronic money fund transfer device 30. As shown in this figure,
A plurality of read / write means 34 are provided to attach a plurality of electronic money 32. This read / write means 34
This is the same as the read / write means 20 described in FIG.
The plurality of read / write means 34 are the calculation / instruction means 36.
Connected to. The calculation / instruction means 36 is means for performing various calculations and instructions to be described below, and is a computer, a program for causing the computer to execute the operation described below, and various interfaces (interface means with the account management device 14, Interface for the user to enter settings).

The electronic money fund transfer device corresponds to an example of the fund transfer device in the claims.

The operation of the third embodiment will be described in detail below with reference to the flowchart.

FIG. 9 is a flow chart showing the operation of the electronic money fund transfer device according to the third embodiment.

In step S9-1, the electronic money 32 is inserted into the electronic money fund transfer device 30. Then, the read / write means 34 reads the amount of money stored therein, and the read amount is supplied to the calculation / instruction means 36.

In step S9-2, it is checked whether the amount of electronic money is less than a predetermined amount. This inspection is executed by the calculation / instruction means 36. This test is
This is done to confirm whether or not only a small amount that is difficult to use for electronic money remains, and the purpose of this inspection is the same as in the second embodiment.

As a result of the inspection, if it is determined that the amount is less than the predetermined amount, the process proceeds to step S9-3.
If the amount is not less than the predetermined amount, the process ends.

In step S9-3, the amount of money stored in the electronic money is transferred to another electronic money. At the same time, in step S9-4, "0" is written in the original amount of electronic money that remains.

Here, as the other electronic money to which the funds are transferred, it is desirable to previously specify the electronic money attached to the predetermined position of the electronic money fund transfer device 30. For example, it is also preferable that such a small amount of money is automatically deposited in the electronic money inserted in the bottom row. If you set it like this, as a result of small amounts of money being successively deposited in the bottom electronic money, you can combine a small amount of money into a large amount of money, and a small amount of money that was hard to use Can be converted into a large amount of money that is easy to use.

Which electronic money is used to collect money is as follows.
It is desirable that the user sets the calculation / instruction means 36 in advance.

As described above, according to the third embodiment, it is possible to accumulate a small amount of remaining balance in electronic money in which a small amount remains, and generate electronic money in which a large amount that is easy to use is stored. it can.

In the third embodiment, the electronic money 32
Although I explained using the example as an example, it would be convenient if a prepaid card can transfer funds between cards. Therefore, it is also preferable to apply the mechanism of the third embodiment to a prepaid card and construct an inter-prepaid card money transfer device.

Embodiment 4 It is also preferable to deposit a small amount of money remaining in electronic money into an account of a financial institution, not into other electronic money. The fourth embodiment will explain such an example.

Configuration The example shown in the fourth embodiment is used in a system having the same configuration as the system shown in FIGS. 7 and 8.

Operation The operation of the fourth embodiment is substantially the same as the operation shown in FIG. 9 except for the points described below.

The difference is that the operation in the above step S9-3 is not "store in other electronic money" but "payment to a predetermined account". In order to deposit money into this account, the calculation / instruction means 36 instructs the account management device 14 to deposit the balance (small amount) of electronic money into a predetermined account. Upon receiving this instruction, the account management device 14
Deposits the balance (small amount) into a specified account.

As described above, according to the present embodiment, the small amount of money remaining in the electronic money is automatically deposited in the predetermined account, so that a small amount of money that is difficult to use is collected in the account and the large amount of money is collected. Can be

In the fourth embodiment, the electronic money 32
Although I explained it as an example, it is convenient if you can transfer the remaining amount to the account even with a prepaid card. Therefore, it is also preferable to apply the mechanism of the third embodiment to a prepaid card and construct a device for transferring the balance of the prepaid card to an account. Of course, any object other than the prepaid card in which the financial value is recorded may be used.

[0090]

As described above, according to the vending device and the automatic deposit system of the present invention, the amount of money recorded on a valuable medium such as electronic money can be rounded to a good number. Can be credited to your account. If the balance is small, the balance can be automatically deposited in the account.

Further, according to the money transfer device of the present invention, when the amount of money recorded in a valuable medium such as electronic money is small, the balance can be collected in another valuable medium. Also,
According to the present invention, it is possible to collect the balance in the account.

[Brief description of drawings]

FIG. 1 is an overall conceptual diagram of an automatic deposit system according to a preferred first embodiment of the present invention.

FIG. 2 is a configuration block diagram of a vending machine.

FIG. 3 is a flowchart showing the operation of the first embodiment.

FIG. 4 is a flowchart showing the operation of the first embodiment.

FIG. 5 is a flowchart showing the operation of the second embodiment.

FIG. 6 is a flowchart showing the operation of the second embodiment.

FIG. 7 is an overall conceptual diagram including an electronic money fund transfer device.

FIG. 8 is a configuration block diagram of an electronic money fund transfer device.

FIG. 9 is a flowchart showing the operation of the electronic money fund transfer device.

[Explanation of symbols]

10 Automatic deposit system 12 Vending machines 14 Account management device 16 Valuable media 18 Payment method 20 Reading and writing means 22 Calculation / instruction means 24 means of sale 30 Electronic Money Funds Transfer Device 32 electronic money 34 Reading and writing means 36 Calculation / instruction means

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Shuji Sonoda             1-12-16 Nakamachi, Machida-shi, Tokyo Eye Cave             Rick 305 Cute Company Limited (72) Inventor Osamu Sato             1-12-16 Nakamachi, Machida-shi, Tokyo Eye Cave             Rick 305 Cute Company Limited (72) Inventor Misao Okuhara             3-10-4 Yoga, Setagaya-ku, Tokyo Solaire             Do Yoga 302 F-term (reference) 3E044 AA01 BA04 BA06 CC04 DA10                       DC05 DE01

Claims (12)

[Claims] 1. A sales device that sells a predetermined product or service to a user, and a reading unit that reads a valuable medium storing a predetermined monetary value and reads the stored amount, and the sale is performed. Calculation means for subtracting the price of the goods or services from the read amount, and further subtracting the fraction from the subtracted amount to calculate the fractional amount, and the amount stored in the valuable medium A selling device in which a valuable medium can be used, comprising: a writing unit that rewrites the denomination of a non-fractional amount, and an instruction unit that issues an instruction to deposit the fraction into a predetermined account. 2. A selling device for selling a predetermined product or service to a user, and a reading means for reading a valuable medium storing a predetermined monetary value and reading the stored amount, and the selling. An instruction means for subtracting the price of the product or service from the read amount, and, if the amount after subtraction is less than a predetermined amount, issuing an instruction to deposit the reduced amount into a predetermined account, The price of the sold product or service is subtracted from the read amount, and when the amount after subtraction is less than a predetermined amount, the amount stored in the valuable medium is
A writing device for rewriting to "0", and a selling device. 3. The selling device according to claim 1, wherein the valuable medium is a prepaid card. 4. The selling device according to claim 1, wherein the valuable medium is electronic money. 5. An automatic deposit system including a vending device for selling a predetermined product or service to a user and an account management device for managing an account, wherein the vending device stores a predetermined monetary value. A reading means for reading the valuable medium stored therein and reading the stored amount, and subtracting the price of the goods or services to be sold from the read amount, and further subtracting the fraction from the amount after the subtraction so that there is no fraction. Calculation means for calculating the amount of money, writing means for rewriting the amount of money stored in the valuable medium into the face value of the calculated fractional amount, and an instruction to deposit the fractional amount into a predetermined account. An instruction means, wherein the account management device deposits the fractional amount into a predetermined account based on an instruction to deposit into the predetermined account, Automatic deposit system according to claim Mukoto. 6. An automatic deposit system including a sales device for selling a predetermined product or service to a user and an account management device for managing an account, and reading a valuable medium storing a predetermined monetary value. Reading means for reading the stored amount of money, subtracting the price of the goods or services to be sold from the read amount, and if the amount after subtraction is less than a predetermined amount, the amount after subtraction And an instruction means for issuing an instruction to deposit into a predetermined account, subtracting the price of the product or service to be sold from the read amount, and when the amount after subtraction is less than a predetermined amount, the The amount stored in the valuable medium is
Writing means for rewriting to “0”; and the account management device includes a depositing means for depositing the amount after subtraction into a predetermined account based on an instruction to deposit into the predetermined account. A featured automatic deposit system. 7. The automatic deposit system according to claim 5, wherein the valuable medium is a prepaid card. 8. The automatic deposit system according to claim 5, wherein the valuable medium is electronic money. 9. An apparatus for moving an amount of money between valuable media in which a monetary value is recorded, and a reading unit for reading the amount of money recorded in the valuable medium, and the reading unit for reading from a predetermined valuable medium. A first writing unit that rewrites the amount stored in the predetermined valuable medium to “0” when the predetermined amount is less than the predetermined amount; and the amount read by the reading unit from the predetermined valuable medium. And a second writing means for adding the amount of money to another valuable medium when the amount is less than the predetermined amount of money. 10. An apparatus for moving a monetary amount relating to a valuable medium having a monetary value recorded therein, and a reading means for reading the monetary amount recorded on the valuable medium, and the reading means for reading from a predetermined valuable medium. When the amount of money is less than the predetermined amount of money, the first writing unit that rewrites the amount of money stored in the predetermined valuable medium to “0” and the amount of money read by the reading unit from the predetermined valuable medium are A money transfer device comprising: an instruction unit that outputs an instruction to deposit the amount in a predetermined account when the amount is less than the predetermined amount. 11. The money transfer device according to claim 9, wherein the valuable medium is a prepaid card. 12. The money transfer apparatus according to claim 9, wherein the valuable medium is electronic money.