JP2004054604A - Joint use safe - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To pay/receive cash without on-line connection to a financial institution. <P>SOLUTION: This automatic teller machine is provided with an account managing part 118 and an account managing part 120 for money collection for managing identification information and balance concerning a preliminarily registered user and money collector. One or more cash cards can be registered in an account specific to a device provided as a management unit, and a money payment limit can be set for each card. When paying money, money payment is carried out within the registered limit, and the result is reflected on the balance managed inside. Also, the user is able to instruct temporary transfer from his or her own account to an account for money collection. When the money collector collects money, the temporary remittance is performed, and money payment and balance update are carried out from the account of the user. Thus, the joint use safe for paying/receiving cash is realized independently of a financial institution, and it is utilized for sharing and money collection by a plurality of persons. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a shared use safe for depositing and withdrawing banknotes by a specific user.
[0002]
[Prior art]
2. Description of the Related Art Automatic teller machines (hereinafter, referred to as ATMs) are used by financial institutions for depositing and withdrawing from users. The ATM exchanges information online with a host computer of a financial institution, and performs cash deposit / withdrawal and processing for a user's account. In today's daily life, cash transactions are the mainstream, but possessing a large amount of cash is a point that it is possible to withdraw cash when necessary considering the fear of loss or theft. ATM is very convenient. In recent years, a large number of ATMs have been installed on the street, but it cannot be said that the demands of users have been sufficiently satisfied. For example, there is a strong demand for residents of apartments to install an ATM in the apartment. In addition, there is a strong demand that those who work at the company have an ATM installed in the company. As described above, the user may desire to install an ATM in a place relatively close to his / her own life.
[0003]
[Problems to be solved by the invention]
However, conventional ATM installation requires online communication with financial institutions. Given the burden of installing such communication lines and the burden of maintaining and managing the installed ATMs, financial institutions have tended to avoid installing them in places where users are relatively limited. Therefore, conventionally, the installation status of the ATM has not been sufficiently convenient for the user.
[0004]
An object of the present application is to realize a system in which a user can fully utilize the advantage of the ATM that can withdraw cash when needed by reducing such a burden caused by the installation at a place close to the user. It is another object of the present invention to further improve the convenience of a user when a system capable of depositing and withdrawing cash is nearby.
[0005]
[Means for Solving the Problems]
The present invention solves at least a part of the above-described problems by a shared use safe in which cash can be dispensed by a plurality of users. The first shared use safe of the present invention includes a storage for storing cash and a dispensing mechanism for dispensing money from the storage. In addition, for each account unique to the shared use safe, the balance of the account, a plurality of pieces of authentication information for authenticating the user of the account, and restrictions on the amount of money that can be withdrawn for each piece of authentication information are stored. The account handled here is a unit set for managing cash in the shared use safe, and is provided irrespective of the account of the financial institution. At the time of withdrawal, based on the operation of the user, the authentication information and the specification of the amount to be withdrawn are accepted, and when the user is authenticated as a valid user, the user is specified within the limit corresponding to the authentication information. Withdraw the amount. In addition, the balance is corrected together with the withdrawal. The limit can be, for example, an upper limit amount or a withdrawal amount that can be withdrawn at one time, a total amount that can be withdrawn in a certain period, or the like.
[0006]
By doing so, the shared use safe of the present invention can realize cash deposit / withdrawal without communication with a financial institution. Therefore, one account can be properly used by a plurality of authentication information. For example, by using authentication information for a plurality of users, these users can share one account. In such a case, according to the present invention, since a limit can be set for each authentication information, it is possible to avoid inconvenience to other users by using the balance of the account only by a specific user. .
[0007]
In the shared use safe according to the present invention, one user may selectively use a plurality of pieces of authentication information according to restrictions on the amount of money that can be withdrawn. For example, authentication information can be properly used depending on the purpose, such as for a fixed-amount withdrawal, a small-amount withdrawal, and the convenience of the shared use safe can be improved.
[0008]
In the shared use safe of the present invention, as the authentication information, for example, biometric information representing a biometric feature of the user can be used. Fingerprints, voiceprints, pupil glows, and the like can be used as biological information. Since the users of the shared use safe are relatively limited, it can be said that it is sufficiently practical even in a situation where the authentication accuracy based on biometric information is not perfect.
[0009]
In the shared use safe of the present invention, it is preferable that the authentication information use information recorded on a predetermined recording medium held by the user. The user registers information recorded on a recording medium used for authentication such as a so-called cash card as authentication information. At the time of withdrawal, the shared use safe reads the information of the registered recording medium and performs authentication. In this way, the user can use the recording medium already held for authentication of the shared use safe. In addition, since it is not necessary to issue a dedicated recording medium to the shared use safe, the operation burden of the shared use safe can be reduced. As the recording medium, for example, a magnetic stripe card such as a cash card or a credit card can be used. A card on which an IC chip is mounted may be used. For example, when a shared use safe is provided in the company, an employee ID card may be used. As the authentication information, user-specific information such as an account number recorded on a recording medium can be used.
[0010]
When registering the authentication information, it is preferable to check whether the authentication information read from the recording medium is information that can uniquely identify the user. For example, the inspection can be performed by checking that the authentication information to be newly registered does not overlap with the already registered authentication information. It may also be determined whether or not the recording format of the information on the recording medium matches the format defined for the financial institution. By doing so, for example, it is possible to restrict the use of a recording medium issued by a company other than a financial institution, such as a membership card of a store, for authentication, thereby improving security in authentication.
[0011]
In the present invention, it is preferable that, by a user operation, designation of a restriction corresponding to the authentication information be accepted, and the authentication information and the restriction be registered in association with the account associated with the user. By doing so, various restrictions can be set on the authentication information at the will of the user. When information recorded on a recording medium is used as the authentication information, it is possible to use the information for each recording medium at will of the user.
[0012]
Next, a second shared use safe according to the present invention will be described. The second shared use safe includes a storage and a dispensing mechanism, like the first shared use safe. The balance of the account is stored for each account unique to the shared use safe. The authentication information does not necessarily need to be associated with the account, and there is no need to set usage restrictions on the account. In the second shared use safe, a collection account associated with a predetermined collector is provided, and the collection account stores authentication information of the collector in association with the collection account.
[0013]
The second shared use safe first receives an instruction to transfer the amount from the user's account to the collection account based on the operation of the user. Thereafter, the collector is authenticated, and if the collector is authenticated, the amount corresponding to the transfer instruction is withdrawn, and the balance of the user's account is corrected according to the payment amount. .
[0014]
In this way, the user can pay various collections using the shared use safe as an intermediary. In daily life, there are various kinds of collections such as newspaper bills and telephone bills, and not a few people want cash settlement instead of debiting them from bank accounts. However, in general, for cash settlement, it is necessary for a collector to visit while the user is at home. Collectors also have the burden of visiting many homes. According to the present invention, these problems can be reduced and the collection can be performed with a light load by the user instructing the transfer to the account for the collection collector in advance. The transfer instruction in the present invention is different from the normal transfer in that the settlement of the user's account is performed when the collector has withdrawn from the collection account. If the collector does not perform the collection operation, the user's account is not reduced, so that it is possible to avoid a mistake due to the transfer of money.
[0015]
In the second shared use safe, a list of the users who have issued the transfer instructions and the amount of money is presented to the collector, and based on the operation of the collector, instructions regarding whether or not each movement instruction can be received or an instruction for correcting the received amount (hereinafter, referred to as “collection amount”). (Referred to as a reception instruction). The shared use safe performs withdrawal and balance correction according to the receiving instruction. The collector can avoid duplicate collection by, for example, refusing to receive the transfer instruction from the collected user. In addition, a transfer instruction with an inappropriate amount of money can be corrected to an appropriate amount and received. The instruction of the amount of money may allow only an instruction to reduce the amount of money to be received compared to the movement instruction in order to avoid unauthorized collection.
[0016]
When receiving the receiving instruction in this manner, it is preferable to cancel the moving instruction without reflecting the amount not paid out to the collector to the balance. For the transfer instruction for which the reception has been rejected, the transfer instruction will be canceled without any reduction in the user's account. For the transfer instruction with the corrected amount, the amount actually paid out is reduced from the user's account, and for the surplus amount, the transfer instruction is canceled without reduction from the account. By doing so, it is possible to suppress the improper movement instruction from remaining. In addition, it is preferable to notify the user of the transfer instruction targeted for the reception instruction to the user that the collection is abnormal. Such notification can be made using, for example, an e-mail.
[0017]
As described above, the shared use safe of this embodiment operates without requiring online communication with a financial institution. The shared use safe may be able to selectively use an online mode that operates in an environment connected online with a financial institution like a conventional ATM, and a stand-alone mode that operates in an environment where it is not connected. Such proper use can be realized by providing a switching control unit that causes the functions described in the above-mentioned shared use safe to function in the stand-alone mode and functions of the conventional ATM to function in the online mode. The mode switching may be manually performed by an administrator or the like, or may be determined autonomously by the shared use safe based on whether communication with a host computer installed in a financial institution can be established.
[0018]
Further, the present invention may be applied to an ATM operated by being connected online to a host computer of a financial institution, or may be used for an online operation performed using the Internet, in addition to an aspect of a stand-alone shared use safe. It can also be used for banking.
[0019]
For example, the present invention can be configured as a deposit / withdrawal processing device that performs deposit / withdrawal processing for a user's account. The first deposit / withdrawal processing device stores a plurality of pieces of authentication information for authenticating a user of an account, and a limit on a withdrawable amount for each piece of authentication information. Then, based on the operation of the user, the authentication information and the specification of the amount to be withdrawn are accepted, and if the user is a legitimate user, the amount of the amount specified within the limit corresponding to the authentication information is taken out of the account. Perform deposit and withdrawal processing. In this way, one account can be properly used based on a plurality of authentication information, similarly to the first shared use safe. In this aspect, it is possible to incorporate various features of the first shared use safe described above.
[0020]
The second cash-in / pay-out processing device according to the present invention receives designation of a provisional transfer from a user's account to another account based on a user's operation. On the other hand, the contents of the provisional transfer are presented to the user of the other account, and an instruction to change the transfer amount or the acceptability of the provisional transfer is received. Then, based on the receiving instruction, a process of transferring funds from the user's account to another account is performed. This is different from normal transfer processing in that actual transfer is performed when a user of another account instructs receipt of a temporary transfer or change of the transfer amount. By doing so, it is possible to suppress troubles due to a difference in the amount of money during the transfer.
[0021]
In the second deposit / withdrawal processing device, it is preferable that the temporary transfer is canceled without performing the withdrawal process from the user's account for the amount of the temporary transfer that is not a target of the transfer process. By doing so, it is possible to prevent inappropriate temporary transfer from remaining for a long time. In the second cash-in / pay-out processing device, it is possible to incorporate various other features described in the second shared use safe.
[0022]
The present invention provides a control method for controlling the operation of the shared use safe or the cash-in / pay-out processing device and realizing the various functions described above, in addition to a mode as a shared use safe and a cash-in / pay-out processing device. The present invention can be configured in various modes, such as a computer program for realizing the program and a recording medium on which the computer program is recorded. Here, examples of the storage medium include a flexible disk, a CD-ROM, a DVD, a magneto-optical disk, an IC card, a ROM cartridge, a punched card, a printed matter on which a code such as a barcode is printed, and a computer internal storage device (RAM or ROM A variety of computer-readable media are available, such as a memory (e.g., memory) and external storage.
[0023]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described by dividing them into the following items.
A. overall structure:
B. sign up:
C. Deposit processing:
D. Withdrawal processing:
E. FIG. Temporary transfer:
F. Modification (1):
G. FIG. Modification (2):
H. Other variations:
[0024]
A. overall structure:
FIG. 1 is an explanatory diagram showing a schematic configuration of a shared use safe 100 as an embodiment. The shared use safe 100 is a device that performs a deposit and withdrawal process in accordance with an operation of a specific user registered in advance. In the present embodiment, an example will be described in which the shared use safe 100 is installed in an apartment and a resident of the apartment is registered as a user. In addition, the description will be given on the assumption that the condominium manager manages the operation of the shared use safe 100.
[0025]
The shared use safe 100 is similar in hardware to a conventional ATM, and is provided with the following units in the arrangement shown in the figure. The card handling mechanism 105 reads information recorded on a magnetic stripe card such as a so-called cash card. In this embodiment, cards used by various financial institutions can be handled. In these cards, a financial institution number, a subject, a user account number, and the like are recorded in a predetermined format, and this information is used for user authentication.
[0026]
The operation unit 103 is an interface with a user for performing information input and output for deposit and withdrawal transactions. In this embodiment, the touch panel is used. However, the touch panel may be configured by a combination of a display and a push button switch.
[0027]
The transfer of bills with the user is performed through the bill receiving / paying port 107. At the time of depositing, the bills inserted into the bill depositing / dispensing port 107 by the user are discriminated by the built-in bill handling device 102, sorted by denomination, and stored. At the time of dispensing, the banknote handling apparatus 102 pays out the banknote for the amount specified by the user, and delivers the banknote to the user from the banknote pay-in / pay-out port 107. In the present embodiment, the recycle-type banknote handling device 102 that uses the received banknotes for dispensing is also used, but a non-reflux type banknote handling device may be used. The statement issuing mechanism 106 issues a statement recording the contents of these transactions.
[0028]
The operation of each unit of the shared use safe 100 is controlled by the control unit 110. The control unit 110 is configured as a microcomputer having a CPU and a memory inside. The control unit 110 exchanges information with each unit as shown by arrows in the figure, and controls the operation of the entire shared use safe 100. The control unit 110 also has a function of communicating with an external device via a network such as the Internet.
[0029]
In this embodiment, the shared use safe 100 is connected to the Internet. Similarly, the Internet is connected to a client computer 10 used by a manager, a client computer 20 used by a user, a Web server 30 operated by a bank, and the like. By operating the client computers 10 and 20, the administrator and the user can request various kinds of deposit / withdrawal processing to the bank and the shared use safe online. A card reader 21 for reading information on a magnetic stripe card 22 is connected to a client computer 20 used by a user. The card reader 21 is used to register information on the magnetic stripe card 22 held by the user as authentication information in the shared use safe 100, as described later.
[0030]
FIG. 2 is an explanatory diagram showing functional blocks of the control unit 110. In the present embodiment, each functional block is configured as software, and operates synchronously under the control of the main control unit 111.
[0031]
The card handling unit 112 controls the card handling mechanism 105 to read information from the magnetic stripe card. The statement slip print unit 113 controls the statement slip issuing mechanism 106 to issue a statement slip. The touch panel control unit 114 controls the operation unit 103 to provide an interface for depositing / dispensing processing and input an operation by a user.
[0032]
The network communication unit 115 performs communication with an external device via the Internet. The network communication unit 115 also has a function as a Web server that provides an interface screen used when the client computers 10 and 20 perform various operations on the shared use safe 100. The authentication unit 116 authenticates a user at the time of deposit / withdrawal processing and authenticates a collector at the time of collection processing. In this embodiment, the authentication is performed using the information of the magnetic stripe card. The deposit and withdrawal control unit 117 controls the banknote handling apparatus 102 to deposit and withdraw an amount according to the designation of the user or the collector.
[0033]
The collection control unit 119 processes collection using the shared use safe 100. The shared use safe 100 is provided with a pre-registered account for a collector. The collection control unit 119 accepts a temporary transfer from its own account to an account for the collector by an operation of the user. After that, in response to the operation of the collector, the collection controller 119 withdraws money from the user's account to the collector. This processing will be described later in detail.
[0034]
The collection account management unit 120 manages information about a company that collects money using the shared use safe 100. The contents of the collection account management unit 120 are illustrated in FIG. An ID, a name, and authentication information for identifying the collection company are stored in association with each other. The authentication information is information recorded on a magnetic stripe card registered by the collector. The magnetic stripe card does not need to be a card dedicated to the shared use safe 100, and can be used as cash cards of various financial institutions already held by the collector. The financial institution name and account number recorded on the cash card are registered as authentication information. Although there is no relation between the account of the financial institution and the collection account in the shared use safe 100, it is usually noted that information which can uniquely identify the user's account is recorded on the cash card, and this information is referred to. Effective use as authentication information.
[0035]
The account management unit 118 manages information such as authentication information and balance for each user of the shared use safe 100. In this embodiment, the information management unit is treated as an account in the shared use safe 100. As the authentication information, information recorded on a magnetic stripe card owned by the user is used.
[0036]
FIG. 3 is an explanatory diagram illustrating the contents of the account management unit 118. As illustrated, the user's name, authentication information, withdrawal limit, available amount, and account balance are recorded and managed in association with each ID for specifying an account. Since the shared use safe 100 of this embodiment is installed in a condominium, it is managed on a room number basis, and the room number is used as an account ID. A plurality of authentication information can be associated with each account. For example, for the room number 101, two types of authentication information are associated with the user name "Hitachi Ichiro", and one authentication information is associated with each of "Hitachi Hanako" and "Hitachi Kazuo". . That is, for the room number 101, four types of authentication information based on the four magnetic stripe cards are registered.
[0037]
The withdrawal limit and the available amount are set in units of authentication information. In the example in the figure, three types of withdrawal restrictions are set: no limit, fixed amount, and upper limit amount. Further, various withdrawal restrictions may be set.
[0038]
"No limit" means that withdrawal is possible within the range of the account balance. Therefore, the available amount corresponding to the authentication information for which the withdrawal restriction is set matches the account balance.
[0039]
“Fixed amount” means that the amount that can be withdrawn at a time is fixed in advance. In each case, the amount set in the available amount can be withdrawn. In the present embodiment, this amount can be arbitrarily set by the user.
[0040]
The “upper limit amount” means that an upper limit amount that can be withdrawn in a certain period is set. The period can be set arbitrarily, such as on a daily basis, a weekly basis, or a monthly basis. In this embodiment, a description will be given assuming that a monthly upper limit is set. The available amount stores the amount that can be paid out within this fixed period. In the example in the figure, the maximum amount of 10,000 yen has been set for "Hitachi Kazuo", and since 2,000 yen has already been paid out, the available amount is 8,000 yen. Has been recorded. When the certain period expires, the available amount is changed again to the upper limit amount or the amount obtained by adding the upper limit amount to the available amount at that time.
[0041]
The account balance is the balance of an account as one management unit, regardless of whether a plurality of pieces of authentication information are assigned. The user can withdraw money at least in the range of this balance. Even when a fixed amount and an upper limit amount are set, if the account balance is insufficient, the withdrawal amount is limited to a range allowed by the account balance. The withdrawable amount does not necessarily have to match the account balance, and the withdrawable amount may be set by adding a predetermined amount to the account balance. The account balance and the available amount are increased or decreased in response to the result of the deposit / withdrawal process by the deposit / withdrawal control unit 117, respectively.
[0042]
B. sign up:
FIG. 4 is a flowchart of the new registration process. The processing performed by the user on the client computer 20 is shown on the left, and the processing performed by the control unit 110 of the shared use safe 100 is shown on the right.
[0043]
This processing is started when the user accesses the registration Web page (step S10). As described above, the shared use safe 100 has a function as a Web server that provides these interface screens. The user can access the registration Web page by inputting the URL (Uniform Resource Locator) of the shared use safe 100 with the browser installed in the client computer 20.
[0044]
The control unit 110 provides an HTML file for a registration screen in response to the access (step S20). The interface of the registration screen is illustrated in the figure. The user's room number, name, etc. can be registered. When the user is limited to residents in the apartment as in the present embodiment, such information may be registered in the shared use safe 100 in advance.
[0045]
When the user inputs registration information such as a room number and a name on the provided registration screen and transmits it to the shared use safe 100 (step S12), the control unit 110 generates a new record in the account management unit 118. (Step S22). Settings related to withdrawal restrictions are also made. The setting relating to the withdrawal limit can be selected from a menu such as “no limit”, “fixed amount”, “upper limit amount”, etc., and the set amount and the setting period may be input as necessary.
[0046]
Next, the control unit 110 provides a registration screen of a card used by the user in the shared use safe 100 (step S24). When the user inserts his or her magnetic stripe card 22 into the card reader 21 connected to the client computer 20, the client computer 20 reads the card information recorded on the card (step S14) and stores the card information in the shared safe. It transmits (step S16). The control unit 110 registers the card information in the account management unit 118 as authentication information (step S26). When new authentication information is obtained for a room number for which authentication information has already been registered, new authentication information is additionally registered. In accordance with a user's instruction, authentication information that has already been registered may be deleted.
[0047]
The control unit 110 may determine before the registration whether the card information is suitable for the authentication information. For example, it is preferable to determine whether a card used by a financial institution is used based on the format of the card information. In addition, it is preferable to confirm that the card information does not overlap information already registered as authentication information of another user. By performing these processes, the reliability as authentication information can be improved.
[0048]
Here, the case where new registration is performed online from the client computer 20 is illustrated, but new registration may be performed by operating the shared use safe 100. A new registration may be performed from the client computer 10 by requesting the administrator. In the embodiment, the card held by the user is used independently of the shared use safe 100, but a dedicated card for the shared use safe 100 may be issued.
[0049]
In the present embodiment, authentication is performed using a card, but biometric authentication may be performed. For example, authentication using biometric information such as a fingerprint, a voiceprint, and pupil glow can be used. When performing biometric authentication, it is necessary to provide the shared use safe 100 with a device for inputting biometric information. It is also preferable to connect such a device to the client computer 20 for registration.
[0050]
Here, the new registration of the user is illustrated, but the registration of the collector to the collection account management unit can be performed by the same processing. Since it is not necessary to impose a withdrawal restriction on the collector, the registration of the withdrawal restriction may be omitted in steps S20 and S12.
[0051]
C. Deposit processing:
FIG. 5 is a flowchart of the deposit processing. The balance of the account in the shared use safe 100 of this embodiment can be increased in two ways. The first is a method in which the user operates the shared use safe 100 to directly deposit cash. The second is a method in which the user requests the manager to increase the balance indirectly. FIG. 5 shows an outline of the second method.
[0052]
First, the user transfers money from his / her own account to the manager's account (steps S40 and S41). In the figure, the online transfer is shown through the Internet, but the transfer method is not limited.
[0053]
When the transfer is made, the administrator accesses his or her account with the client computer 10 and obtains the transfer information (step S50). The transfer information includes the name and amount of the transfer person. The client computer 10 transmits a payment processing instruction for updating the balance of the shared use safe 100 to the shared use safe 100 based on the transfer information (step S51). The deposit processing instruction may be transmitted, for example, by describing the name and amount obtained in the transfer information in a predetermined format that can be handled by the shared use safe 100. Prior to the transmission, it may be determined whether or not the transferor is a user registered in the shared use safe 100.
[0054]
When receiving the payment processing instruction from the client computer 10 (step S60), the shared use safe 100 updates the user's balance according to the instruction (step S61). By doing so, the user can indirectly update the balance in the shared use safe 100 simply by making a transfer to the administrator.
[0055]
FIG. 5 illustrates a case where the client computer 10 automatically updates the balance of the shared use safe 100. The administrator may manually update the balance of the shared use safe 100 while referring to the transfer information. FIG. 6 is a flowchart of a payment process as a modification. The processing after the transfer from the user's account to the administrator's account is shown.
[0056]
The left side is a process performed by the administrator's client computer 10, and the right side is a process performed by the control unit 110. When the administrator confirms the transfer information to his / her account, the administrator accesses the management Web page using the client computer 10 (step S70). The management Web page is a page provided by the control unit 110 using a Web server function. The control unit 110 provides a management screen in response to the access from the client computer 10 (Step S80). A screen image for updating the balance is also illustrated in the figure.
[0057]
When the administrator inputs a room number to be updated (step S72), the control unit 110 provides information managed by the account management unit 118 as a balance update screen (step S82). Instead of inputting the room number, the name of the user may be input.
[0058]
The administrator operates the balance on this screen, inputs update information, and transmits the updated information to the control unit 110 (step S74). The updated balance may be input, or the amount to be deposited in the account may be input. Considering the ease of matching with the transfer information, the latter is preferable.
[0059]
When receiving the update information (step S84), the control unit 110 determines whether or not this instruction is an instruction to increase the account (step S86). If the instruction is not an increase instruction, an error is notified to the client computer 10 and retransmission of the update information is accepted. If the instruction is an increase instruction, the balance of the designated account is updated (step S88). The reason for accepting only the increase instruction is that when the administrator manually changes the account balance, the user is disadvantaged if the account balance is reduced due to fraud or error. Although not shown in FIG. 6, it is preferable to authenticate the administrator at any stage in order to avoid an unauthorized operation on the account.
[0060]
D. Withdrawal processing:
FIG. 7 is a flowchart of the withdrawal process. This is a process executed by the control unit 110 of the shared use safe 100. The control unit 110 displays menus such as “withdraw”, “deposit”, and “balance inquiry” on the operation unit 103, and executes a process corresponding to the transaction item selected by the user. The withdrawal process of FIG. 7 is a process executed when “withdrawal” is selected.
[0061]
The control unit 110 displays the menu, receives the transaction item selected by the user (step S90), reads the card information, and authenticates the user (step S91). User authentication can be performed by comparing card information with authentication information managed by the account management unit 118. Authentication may be performed using a password in addition to the information input from the card. In this case, the password may be registered in advance in the account management unit 118.
[0062]
If the user is not a valid user (step S92), the control unit 110 completes the withdrawal process. When it is determined that the user is a legitimate user (step S92), the control unit 110 executes a dispensing process in consideration of the dispensing restriction as described below.
[0063]
If the card does not have the withdrawal limit of “fixed amount” (step S93), the control unit 110 displays the withdrawal amount input screen on the operation unit 103 and accepts the amount input (step S94). ). In the case of a card in which a "fixed amount" is set (step S93), the input of the withdrawal amount is unnecessary, so this process is skipped, and the set fixed amount is regarded as the withdrawal amount. The processing of is performed. The dispensing restriction of "fixed amount" has an advantage that the operation can be simplified in that the input of the dispensing amount can be skipped.
[0064]
Next, the control unit 110 determines whether or not the designated amount can be dispensed (step S95). This determination is made based on both the withdrawal limit and the account balance. For example, when the upper limit is set, it is determined whether the amount specified by the user is within the available amount shown in FIG. Also, it is determined whether or not the designated amount is within the range of the account balance, regardless of whether or not there is a withdrawal restriction. If these restrictions are not satisfied and it is determined that withdrawal is not possible, the control unit 110 completes the withdrawal process without performing withdrawal. Instead of such processing, processing for correcting the withdrawal amount to a range in which the withdrawal is possible may be performed.
[0065]
If it is determined in step S95 that the withdrawal is possible, the control unit 110 dispenses the designated amount and subtracts the amount from the balance (step S96). If the upper limit is set, the withdrawal amount is further subtracted from the available amount. A statement slip may be issued together with these processes.
[0066]
E. FIG. Temporary transfer:
FIG. 8 is a flowchart of the collection process using the temporary transfer. The left side of the figure shows the processing executed by the user's client computer 20, and the right side shows the processing executed by the control unit 110.
[0067]
First, the user accesses the temporary transfer Web page from the client computer 20 (step S100). Control unit 110 provides a screen for provisional transfer in response to this access (step S110).
[0068]
An example of a screen for provisional transfer is shown on the right side of the figure. The user's room number, name, name of the temporary transfer company, and amount are entered. The trader name can be selected from a pull-down menu by a trader registered in the shared use safe 100 in advance.
[0069]
When the user inputs and transmits the temporary transfer information using this screen (Step S101), the control unit 110 registers the temporary transfer information (Step S111). This information is held by the collection control unit 119.
[0070]
FIG. 9 is a flowchart of the settlement process based on the operation of the collector. This is a process executed by the control unit 110. When the collector collects the magnetic stripe card registered in advance into the shared use safe 100, the control unit 110 reads the card information and authenticates the trader (step S120).
[0071]
If the trader is a legitimate trader (step S121), the control unit 110 displays a list of temporary transfers to the trader on the operation unit 103 (step S122). In the figure, a list display example of the temporary transfer to the “A newspaper” company is shown. As shown in the figure, a list of the room number, name, date of the temporary transfer, and amount of the user who has temporarily transferred the newspaper A is displayed.
[0072]
The collector specifies whether or not to receive the provisional transfer on this screen. In the example of the figure, it is assumed that a button CHK provided on the left side of each temporary transfer is designated. The solid color indicates “acceptable” and the white outline indicates “impossible to accept”. Acceptance or non-acceptance can be switched by pressing a button CHK. Various other interfaces can be applied to the designation of acceptance.
[0073]
The temporary transfer may include an incorrect transfer amount. In the present embodiment, the collector can correct the amount by pressing the amount column and then inputting the correct amount. In order to avoid unauthorized correction by the collector, it is preferable to allow only correction in the direction of reducing the amount.
[0074]
It is not necessary that both the acceptance and the modification of the amount be permitted. Either one of the operations may be performed, or any of the operations may not be performed.
[0075]
When the provisional transfer and the amount of money to be collected are determined and the collector presses the "confirm" button, the control unit 110 withdraws the designated total amount of cash (step S123). At the same time, the collection amount is subtracted from the account of each user who has requested the provisional transfer, and the balance is updated (step S124). In addition, each user is notified of collection completion (step S125). The notification can take various methods. For example, an e-mail may be transmitted from a user to an e-mail address registered in advance. Alternatively, a record of the collection may be held in the account management unit 118, and when the user uses the shared use safe 100, a statement regarding the collection may be issued together.
[0076]
In conjunction with the withdrawal process, it is preferable that the control unit 110 cancels the provisional transfer for a portion that is not a collection target. Cancellations include provisional transfers that have been rejected and any adjustments to the amount. Since the temporary transfer is reduced from the user's account in conjunction with the withdrawal processing to the collector, the temporary transfer is not reduced from the user's account when the temporary transfer is canceled. It is preferable that the control unit 110 notifies the user when the temporary transfer is canceled.
[0077]
According to the shared use safe 100 described above, the user can deposit and withdraw cash without requiring communication with the financial institution. Since it can be operated independently of a financial institution, it can be installed at a location according to the user's request with a relatively light burden. In addition, the user sets a withdrawal limit in association with each authentication information, thereby improving convenience when sharing the account in the shared use safe 100 with a plurality of users, or performing authentication according to the purpose. The operability at the time of use can be improved by properly using the information.
[0078]
According to the shared use safe 100, collection can be easily performed by temporary transfer. In the temporary transfer, if the collector does not perform the collection operation, the user's account is not reduced, so that a mistake due to the transfer of money can be avoided.
[0079]
F. Modification (1):
In the embodiment, the shared use safe 100 that can be operated independently of the financial institution is illustrated, but the setting of the withdrawal limit can be applied to a conventional ATM. In the modified example, an example of application to a conventional ATM 100A connected to a host computer 200 of a financial institution is shown.
[0080]
FIG. 10 is a flowchart of a deposit / withdrawal process in the automatic cash transaction system. The host computer 200 manages user information for each account in advance. The contents of the user information are illustrated in the figure. The user information includes card information and usage restrictions in addition to the account number, name, password, and balance. The card information means information recorded on a magnetic stripe card used by a user for authentication. For example, when a user opens an account at a bank and requests the dual use of a magnetic stripe card already held, the bank reads the information of the card presented by the user and registers it as card information. The processing (steps S24, S14, S16, S26) described in FIG. 3 in the embodiment is executed by a bank clerk. The user may be able to register using the ATM 100A. Withdrawal restrictions can be set such as "no limit", "fixed amount", and "upper limit" as in the embodiment.
[0081]
At the time of deposit and withdrawal, the user inputs a transaction item in the ATM 100A as usual (step S100). When the ATM 100A reads the card information from the card inserted by the user and accepts the personal identification number, the ATM 100A transmits the information to the host computer 200 (Steps S102 and S104).
[0082]
The host computer 200 refers to the registered card information, and specifies the user's account number, password, and withdrawal restriction (step S110). Authentication is performed based on this information (step S112). When the bank of the host computer 200 is affiliated with another bank that also serves as a card, an account to be subjected to deposit / withdrawal processing may be selectable.
[0083]
If the user is authenticated, the ATM 100A inputs information required for the transaction, such as the deposit / withdrawal amount (step S106), and the host computer 200 responds to this information in the same manner as in the embodiment to determine whether or not to withdraw. Is determined, and a deposit / withdrawal process such as updating of an account balance is performed (step S114). For a card in which a “fixed amount” is set, the payment of the withdrawal amount can be omitted. According to the processing of the modified example, it is possible to improve convenience and operability due to withdrawal restriction even in an ATM using communication with a host computer. In the modified example, the case of registering the card held by the user is illustrated, but the present invention is also applicable to a case where a financial institution issues a plurality of cards in association with an account.
[0084]
G. FIG. Modification (2):
The collection using the temporary transfer can be applied to a conventional ATM. In the modified example, an example of application to a conventional ATM 100A connected to a host computer 200 of a financial institution is shown.
[0085]
FIG. 11 is a flowchart of a money collection process using temporary transfer in the automatic cash transaction system. When the user inputs the temporary transfer information at the ATM 100A (step S120), the host computer 200 receives this information and registers it as the temporary transfer information (step S130). The contents of the provisional transfer information are illustrated above the figure. The registered contents include the name and account of the transferee, the name and account of the transferee, the amount, the date of application for provisional transfer, and the like.
[0086]
In the temporary transfer, information to be input in the ATM 100A is almost the same as in the normal transfer processing. Therefore, the use of the transfer card used in the normal transfer processing may be permitted to simplify the operation. The designation of the provisional transfer may be such that a menu of “temporary transfer” is individually prepared on the initial screen of the ATM 100A, or whether the provisional transfer is treated as the provisional transfer after inputting necessary information in the “transfer” menu. May be adopted.
[0087]
The recipient who receives the provisional transfer operates the ATM 100A to perform the settlement process. The ATM 100A of the modified example presents a payment processing menu “payment” on the initial screen. When the recipient inserts the card after selecting the “payment” menu, the ATM 100A transmits the card information recorded on the card to the host computer 200 (step S140).
[0088]
The host computer 200 refers to the registered card information, specifies the account number of the receiver, and displays a temporary transfer list addressed to the receiver (step S131). For this presentation, for example, the screen shown in step S122 of FIG. 9 can be used. As in the embodiment, when the recipient instructs on this screen whether or not to accept or correct the amount (step S141), the host computer 200 performs a settlement process of the temporary transfer selected by the recipient (step S141). S132). Further, the temporary transfer that has not been selected is canceled (step S133). Although illustration is omitted, it is preferable that a notification of the completion of the transfer and a notification of the cancellation be made in addition to these processes.
[0089]
According to the provisional transfer of the modified example, since settlement is performed after confirmation of the recipient, duplicate transfer, transfer of an excessive amount, and the like can be suppressed.
[0090]
H. Other variations:
In the embodiment, the shared use safe 100 that operates without communication with the financial institution is shown, but the hardware is the same as the ATM. Therefore, the control unit 110 may be configured to be switchable between a stand-alone mode that functions as the shared use safe 100 and an online mode that functions as an ATM. In this way, one piece of hardware can be used for both purposes. The mode switching may be manually instructed by the administrator, or may be autonomously determined by the control unit 110. For example, when communication with the host computer of the financial institution is established, the operation can be switched to operate in the online mode, and when communication cannot be established, the operation can be switched to operate in the stand-alone mode.
[0091]
In the embodiment, the shared use safe 100 having the function using the withdrawal restriction and the function of collecting money by provisional transfer has been exemplified. However, it is also possible to provide only one of the functions.
[0092]
In the modified example, the transaction using the ATM 100A is illustrated, but the transaction may be realized by online banking via the Internet. In this case, the processing to be executed by the ATM 100A may be realized by a computer connected to the Internet.
[0093]
Although various embodiments of the present invention have been described above, the present invention is not limited to these embodiments, and it goes without saying that various configurations can be adopted without departing from the spirit of the present invention. For example, the above-described control processing may be realized by software or by hardware.
[0094]
【The invention's effect】
According to the present invention, the user sets the restriction of withdrawal in association with each authentication information, thereby improving the convenience when sharing the account with a plurality of users, or changing the authentication information according to the purpose. The operability at the time of use can be improved by properly using them. According to the present invention, it is also possible to easily collect money by avoiding a mistake due to the transfer of money by provisional transfer.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram showing a schematic configuration of a shared use safe 100 as an embodiment.
FIG. 2 is an explanatory diagram showing functional blocks of a control unit 110.
FIG. 3 is an explanatory diagram illustrating the contents of an account management unit 118;
FIG. 4 is a flowchart of a new registration process.
FIG. 5 is a flowchart of a deposit processing.
FIG. 6 is a flowchart of a payment process as a modification.
FIG. 7 is a flowchart of a withdrawal process.
FIG. 8 is a flowchart of a collection process using a temporary transfer.
FIG. 9 is a flowchart of a settlement process based on an operation of a collector.
FIG. 10 is a flowchart of a deposit / withdrawal process in the automatic cash transaction system.
FIG. 11 is a flowchart of a collection process using a temporary transfer in the automatic cash transaction system.
[Explanation of symbols]
10 ... Client computer
20 ... Client computer
21 ... Card reader
22 ... Magnetic stripe card
30 Web server
100 ... shared use safe
101… room number
102… Bill handling device
103 ... operation unit
105… Card handling mechanism
106 ... statement slip issuing mechanism
107: Banknote pay-in / pay-out port
110 ... Control unit
111: Main control unit
112… Card handling department
113 ... statement slip printing section
114 ... Touch panel control unit
115 ... Network communication unit
116 ... Authentication unit
117: Deposit and withdrawal control unit
118 ... Account Management Department
119: Collection control unit
120: Account management unit for collecting money
200: Host computer

Claims (11)

A shared use safe that allows multiple users to withdraw cash,
A vault for storing cash,
A withdrawal mechanism for withdrawing from the storage,
A storage unit that stores, for each account unique to the shared use safe, the balance of the account, a plurality of authentication information for authenticating the user of the account, and a limit on the amount that can be withdrawn for each authentication information. When,
A receiving unit that receives designation of the authentication information and the amount to be withdrawn based on a user operation;
An authentication unit that authenticates a user based on the authentication information;
When the user is authenticated as a valid user, the shared use safe is provided with a withdrawal control unit for dispensing the designated amount within a limit corresponding to the authentication information and correcting the balance. . The shared use safe according to claim 1, wherein
The authentication information is information recorded on a predetermined recording medium held by the user. The shared use safe according to claim 2, wherein
An authentication information input unit for inputting information recorded on a recording medium held by the user as authentication information;
A restriction information input unit that receives a specification of the restriction corresponding to the authentication information by an operation of the user;
A shared use safe comprising a registration unit for registering the authentication information and the restriction in the storage unit in association with the account associated with the user. A shared use safe that allows multiple users to withdraw cash,
A vault for storing cash,
A withdrawal mechanism for withdrawing from the storage,
A storage unit for storing the balance of the account for each account unique to the shared use safe;
For a collection account associated with a predetermined collector, a collection account management unit that stores authentication information of the collector,
Based on the operation of the user, a receiving unit that receives an instruction to transfer the amount from the user's account to the collection account,
An authentication unit that authenticates the collector based on the operation of the collector;
A shared use safe comprising a withdrawal control unit for dispensing an amount corresponding to the transfer instruction and correcting the balance of the account when the user is authenticated as a valid collector. The shared use safe according to claim 4, wherein
A move instruction presenting unit that presents a list of users and amounts that have issued a move instruction to the collector,
A receiving instruction receiving unit that receives, as a receiving instruction, an instruction on whether or not each moving instruction can be received or a correction of a received amount, based on an operation of the collector,
The withdrawal control unit is a shared use safe that performs the withdrawal and balance correction according to the receiving instruction. The shared use safe according to claim 5, wherein
The shared use safe, wherein the withdrawal control unit cancels the transfer instruction without reflecting the amount not paid out to the collector to the balance. A deposit / withdrawal processing device that performs deposit / withdrawal processing for a user's account,
A plurality of authentication information for authenticating a user of the account, and a storage unit for storing a limit on an amount that can be withdrawn for each authentication information,
Based on the operation of the user, a receiving unit that receives designation of the authentication information and the amount to be withdrawn,
An authentication unit that authenticates a user based on the authentication information;
A cash-in / pay-out processing device that performs a cash-in / pay-out process for the specified amount of money on the account within a limit corresponding to the authentication information when the user is authenticated as a valid user. A deposit / withdrawal processing device that performs deposit / withdrawal processing for a user's account,
Based on the operation of the user, from an account corresponding to the user, a receiving unit that receives designation of provisional transfer to another account,
To a user of the other account, while presenting the contents of the temporary transfer, a reception instruction receiving unit that receives an instruction to change whether the temporary transfer can be received or a transfer amount,
A deposit / withdrawal processing device comprising: a transfer processing unit for performing a transfer process of funds from the user's account to another account based on the reception instruction. The deposit / withdrawal processing device according to claim 8,
The deposit / withdrawal processing device, wherein the transfer processing unit cancels the temporary transfer without performing a withdrawal process from the user's account for an amount of money of the temporary transfer that is not a target of the transfer process. A deposit / withdrawal processing method for performing deposit / withdrawal processing on a user's account by a computer,
A plurality of authentication information for authenticating a user of the account, and a step of storing in advance a restriction on the amount of money that can be withdrawn for each authentication information;
Based on the operation of the user, receiving the authentication information and the designation of the amount to withdraw,
Performing a user authentication based on the authentication information;
Performing a deposit / withdrawal process on the account within the range of the limit corresponding to the authentication information when the user is authenticated as a valid user. A deposit / withdrawal processing method for performing deposit / withdrawal processing on a user's account by a computer,
Based on the operation of the user, from the account corresponding to the user, accepting the designation of temporary transfer to another account,
A step of presenting the contents of the provisional transfer to the user of the other account, and accepting an instruction to change whether or not to receive the provisional transfer or a transfer amount;
Performing a transfer process of funds from the user's account to another account based on the receiving instruction.

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