JP2004199253A - Cash collecting method and cash collecting system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily collect cash from the whole devices, and to inexpensively collect the cash more than cost for entrusting the collection of cash to a conventional security company even when the devices are arranged in large numbers over a wide range. <P>SOLUTION: When a representative M collects the cash X received in a cash receiving machine 1 for electronic money charge, summing-up information (including device identification information and collecting cash amount information) is informed to a management server 21 from the cash receiving machine 1 for the electronic money charge, and the management server 21 informs a debit transfer management server 31 of indication of debit, and the debit transfer management server 31 executes processing for transferring cash of an amount of subtracting a predesignated prescribed collection fee from a collected cash amount to an issuing company account 302 from a representative account 301 according to informed debit indication, and executes cash collecting processing of the cash receiving machine 1 for the electronic money charge. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a cash collection method and a cash collection system for collecting cash from a deposit machine (a prepaid card vending machine or a cash deposit machine for electronic money charging) that issues a prepaid card or adds value to electronic money in accordance with a predetermined deposit. Regarding, in particular, even when a large number of devices are installed in a wide range, it is possible to easily collect cash from all devices, and to collect cash at a lower cost than the cost of entrusting cash collection to a conventional police company. TECHNICAL FIELD The present invention relates to a cash collection method and a cash collection system which can perform the cash collection.
[0002]
[Prior art]
Prepaid cards are used for purchasing various goods and receiving services. In recent years, prepaid cards for using electronic money have become widespread, and it is expected that the usage range of the cards will be wide.
[0003]
In order to use such a prepaid card, a user deposits cash with a prepaid card vending machine or a depositing machine to purchase a prepaid card or deposit money into a card.
[0004]
In this type of device, the cash in the device is from a card issuing company or an operating company (a company that manages electronic money separately from the issuing company with electronic money or the like), so it is necessary to collect this cash.
[0005]
However, it takes a lot of time to collect cash from a large number of installed devices, and is often outsourced to a police company or the like. FIG. 9 shows this conventional mechanism. In the configuration of FIG. 9, the management server manages information (cash information in the apparatus) sent from the deposit machine and matches it with the amount of the transfer.
[0006]
However, when the number of installed devices increases or the devices are installed over a wide area, commission costs such as cash collection to this transportation company become enormous, and in running the prepaid card service, This can be a huge problem for card issuers and operators.
[0007]
[Problems to be solved by the invention]
As described above, conventionally, in a method of collecting cash of a device such as a prepaid card vending machine or a depositing machine for charging electronic money, it takes a lot of time to collect cash of a large number of installed devices. It has to be entrusted to a company or the like, which is expensive.
[0008]
And, when the number of installed devices increases or the devices are installed over a wide area, the commission costs such as cash collection to this transportation company become enormous, and in running the prepaid card service, This can be a very serious problem for card issuers and operating companies.
[0009]
In view of the above circumstances, the present invention makes it possible to easily collect cash from all devices even when a large number of devices are installed in a wide range, and to reduce the cost of consigning cash collection to a conventional police company. It is an object of the present invention to provide a cash collecting method and a cash collecting system which can collect cash at a cost.
[0010]
[Means for Solving the Problems]
In order to achieve the above object, the invention according to claim 1 is a cash collection method for collecting cash from a deposit machine that issues a prepaid card or adds value to electronic money according to a predetermined deposit. Notify the management terminal of the identification information of the deposit machine and information on the amount of cash collected based on the cash collection operation of the cash collector who was entrusted to collect the cash from the management terminal, and from the cash collection amount according to the withdrawal instruction from the management terminal By transferring an amount obtained by subtracting a predetermined collection fee from the cash collector's account to an administrator's account that manages cash in the deposit machine, the cash collector is given a reward for cash collection, and the cash collector's cash is paid. It is characterized in that collection is performed.
[0011]
According to a second aspect of the present invention, in the first aspect of the present invention, the management terminal transmits a cash collection permission signal to a corresponding deposit machine based on a notification of the identification information of the deposit machine and information on the collected cash amount. And controlling the depositing machine to a state in which cash can be collected.
[0012]
According to a third aspect of the present invention, in the second aspect of the present invention, the depositing machine has a personal authentication function, and information on the identification information of the depositing machine and the amount of cash collected based on a cash collecting operation of the cash collector. Together with notifying the management terminal of the personal authentication information, wherein the management terminal transmits a cash collection permission signal to a corresponding deposit machine based on the notification to control the deposit machine to a cash recoverable state. .
[0013]
According to a fourth aspect of the present invention, in the first aspect of the present invention, the depositing machines are distributed at a plurality of locations, and the cash collector is provided for each of the distributed depositing machines or each of the plurality of depositing machines. It is characterized by being set respectively.
[0014]
According to a fifth aspect of the present invention, in the first aspect of the present invention, the management terminal sets a higher collection fee corresponding to a deposit machine that requires a larger amount of cash collection frequency. The collection fee is set lower in response to a deposit machine that does not require a large amount of money.
[0015]
According to a sixth aspect of the present invention, in the first aspect of the invention, the management terminal presets an upper limit value of the number of times of cash collection per day, and collects cash in the deposit machine based on the set upper limit value. Is regulated.
[0016]
The invention according to claim 7 is a cash collection system for collecting cash from a deposit machine that issues a prepaid card or adds value to electronic money according to a predetermined deposit, and manages cash information in the deposit machine. A management server, an account of a cash collector entrusted with collection of cash from the deposit machine, and a financial institution for opening and managing an account of a manager for managing cash in the deposit machine; When collecting the cash deposited in the deposit machine by the, the deposit machine notifies the management terminal of the identification information of the deposit machine and information on the collected cash amount, and the management terminal relates to the notified collected cash amount. With respect to the financial institution based on the information, the amount obtained by subtracting a predetermined collection fee specified in advance from the collected cash amount is deducted from the cash collector's account to the manager's account. By notifying the debit instruction, and transferring the amount obtained by subtracting the predetermined collection fee from the cash-recovered cash amount from the cash-collector's account to the manager's account according to the notified debit instruction, It is characterized in that a cash collection person is given a reward for cash collection and cash collection of the deposit machine is performed.
[0017]
In the invention according to claim 8, in the invention according to claim 7, the management terminal transmits a cash collection permission signal to the corresponding deposit machine based on the notification of the identification information of the deposit machine and the information on the collected cash amount. And controlling the depositing machine to a state in which cash can be collected.
[0018]
According to a ninth aspect of the present invention, in the invention according to the eighth aspect, the depositing machine has a personal authentication function, and information on the identification information of the depositing machine and the amount of collected cash based on a cash collecting operation of the cash collector. Together with notifying the management terminal of the personal authentication information, wherein the management terminal transmits a cash collection permission signal to a corresponding deposit machine based on the notification to control the deposit machine to a cash recoverable state. .
[0019]
According to a tenth aspect of the present invention, in the invention of the seventh aspect, the depositing machine is distributed and arranged at a plurality of locations, and the cash collector is provided for each of the distributed depositing machines or each of the plurality of depositing machines. It is characterized by being set respectively.
[0020]
In the invention according to claim 11, in the invention according to claim 7, the management terminal sets a higher collection fee corresponding to a deposit machine that requires a larger collection frequency of cash, and conversely, sets a higher collection frequency. The collection fee is set lower in response to a deposit machine that does not require a large amount of money.
[0021]
According to a twelfth aspect of the present invention, in the invention of the seventh aspect, the management terminal presets an upper limit of the number of times of cash collection per day, and collects cash in the deposit machine based on the set upper limit. Is regulated.
[0022]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
[0023]
FIG. 1 is a diagram showing a system configuration of cash collection when a cash collection method and a cash collection system according to the present invention are applied.
[0024]
In FIG. 1, the system includes an electronic money area A, a card company area B, and a bank area C.
[0025]
Here, the electronic money area A is, for example, a shopping street, a theme park, or the like, and a value corresponding to the cash X deposited by the users (a to n) is referred to as an electronic money recording medium (hereinafter, referred to as a “card”). .) A cash depositing machine for electronic money charging (hereinafter simply referred to as “paying machine”) 1 to be recorded in Y is installed.
[0026]
Also, in the card company area B, there is a card company 2 that issues the card Y, and when the cash deposited in the deposit machine 1 is collected under the control of the card company 2, a notice is issued from the deposit machine 1. Identification information (hereinafter simply referred to as “device identification information”) and information on the amount of cash collected (for example, information such as the total amount of cash collected in a safe of the cash machine. Receipt information including at least "collected cash amount information"), the received cash information is managed, and the collected cash management server 21 (hereinafter simply referred to as "management") that controls the cash collection permission state of the deposit machine 1. Server 21 ").
[0027]
In the bank area C, there is a bank 3 serving as a financial institution, and the cash in the electronic money area A is determined based on the withdrawal instruction information including the collected cash amount information and predetermined collection fee information notified from the management server 21. From the account 301 opened by the representative M (for example, a store manager with a shopping street) collecting the amount of cash obtained by subtracting a predetermined collection fee amount specified in advance from the collected cash amount, the card issuing company 2 Is provided with a debit transfer management server 31 for performing a transfer process to the account 302 established by the company.
[0028]
It is to be noted that the connection between the deposit machine 1 and the management server 21 and the connection between the management server 21 and the debit transfer management server 31 are made to be communicatively connected by, for example, a dedicated line or the like.
[0029]
In the embodiment shown in FIG. 1, the value corresponding to the cash inserted by the user is additionally recorded on the electronic money recording medium, and the electronic money recording medium after the addition recording is paid out to the user. Although the case where a cash depositing machine is taken as an example has been described, the present invention is not limited to this, and a prepaid card vending machine that sells a prepaid card having a value corresponding to the amount inserted by the user may be applied.
[0030]
Further, in the above embodiment, only one electronic money area in which one depositing machine is installed is shown, but there are actually many in a wide range. Further, a plurality of deposit machines may be dispersedly installed in one area. Then, a representative who collects the cash is set according to the configuration. That is, a representative who collects cash from one deposit machine installed in one area, a representative who collects all or a plurality of cash machines existing in one area, and so on is set.
[0031]
Furthermore, in the above-described embodiment, the card issuing company 2 is shown in the card company area B, but the present invention is not limited to this, and an operating company such as a company that manages electronic money separately from the issuing company by electronic money or the like may be used.
[0032]
Next, a cash collection mechanism in such a cash collection system will be specifically described with reference to FIGS.
[0033]
FIG. 2 is a flowchart showing a flow of a series of cash collection processing procedures in the cash collection system shown in FIG.
[0034]
In FIG. 2, first, a representative M who collects cash of the deposit machine 1 installed in the electronic money area A operates a dedicated closing key 11 as shown in FIGS. A closing process is executed (step S101).
[0035]
Then, the depositing machine 1 executes a predetermined closing process. Specifically, the management server 21 is notified of the device identification information for identifying the own device and the collected cash amount information (see FIG. 3) (step S102). In FIG. 3, the device identification information is stored in advance in, for example, a device identification information storage table stored in the closing information storage unit 110 as shown in FIG. In this example, a state is shown in which the device identification information of “XXXXXX (number)” is stored. Further, the collected cash amount information is stored in, for example, a collected cash amount information storage table as shown in FIG. This is because, for example, during the operation of the device, the payment information of the cash to be received is calculated and stored and updated, or in a device that issues a new prepaid card, the amount information of the issued card is calculated and stored and updated. Is stored. In this example, a state in which the collected cash amount information of “100,000 (yen)” is stored is shown.
[0036]
On the other hand, when confirming the notification of the device identification information and the collected cash amount information from the legitimate device, the management server 21 notifies the corresponding deposit machine 1 of the safe unlocking permission information (step S103).
[0037]
Thereafter, upon receiving the valid safe lock release permission information, the deposit machine 1 sets the safe held by itself to be openable (step S104). More specifically, the depositing machine 1 transitions to a state in which the safe door 12 can be opened by the representative M using a dedicated safe opening / closing key 13 prepared in advance as shown in FIG. I do.
[0038]
Thereby, the representative M collects cash from the depositing machine 12 (step S105). Specifically, the representative M opens the safe door 12 using the dedicated safe opening / closing key 13 and collects cash deposited in the device [see FIG. 4B].
[0039]
Next, the deposit machine 1 notifies the management server 21 of the cash collection result (Step S106). Specifically, for example, when the representative M completes the collection of cash and then closes the safe door 12 to return the device to a normal operation state, the deposit machine 1 notifies that the cash has been collected safely. The completion notification information is transmitted to the management server 21.
[0040]
Thereafter, the management server 21 notifies the debit transfer management server 31 installed in the bank 3 of the bank area 3 of the debit instruction information (step S107). Specifically, the management server 21 has a collection fee information storage unit 210 as shown in FIG. 5, and the collection fee information storage unit 210 stores a collection fee information storage table. That is, it stores information on the amount of money paid to the representative M who has the cash deposited in the deposit machine 1 to be collected and reward for having the cash collected. The reward amount is arbitrarily determined, for example, as a percentage of the collected amount or a fixed amount. This setting can be variably set on the management server 21 side. Then, the management server 21 instructs the card issuing company account 302 to transfer an amount obtained by subtracting the commission from the collected cash amount from the predetermined representative account 301 based on the set collection fee information (withdrawal instruction information). To the transfer management server 31. Note that the representative M usually deposits the collected cash into the account 301 established by himself before the transfer processing is performed after subtracting the commission.
[0041]
When receiving the debit instruction information from the management server 21, the debit transfer management server 31 executes a process of transferring cash corresponding to an amount obtained by subtracting a collection fee from the collected cash amount from the representative account 301 to the card company account 302. (Step S108). FIG. 6 shows a specific state of the withdrawal. In this example, cash of the amount "99,900 yen" obtained by subtracting the collection fee "100 yen" from the collection amount "100,000 yen" is transferred to the card issuing company account 302 from the account 301 of the representative. That is, thereby, the representative M acquires the collection fee “100 yen” as a reward.
[0042]
If the account balance of the area representative account is less than the debit amount in the processing step of step S108 described above, the fact is notified to the representative M in writing or by e-mail or the like, and the debit amount is determined. As described above, when the representative M deposits his / her account, the transfer processing to the card company account is executed.
[0043]
Further, in the above-described processing in step S108, after the transfer processing to the card company account is completed, the bank notifies the management server 21 in the card company area B of the transfer amount information. Thus, the management server 21 can match the amount collected by the representative M with the amount transferred to the account.
[0044]
When the depositing machine is provided with a personal authentication function (for example, a fingerprint collation function, a password input function, or an ID card reading function), the personal authentication for authenticating the area representative in the processing in step S102 described above. The information may also be transmitted, and only when it is confirmed that the person is a valid cash collector (area representative), the management server in S103 may issue a safe lock release permission notification to the deposit machine.
[0045]
By performing such processing, even when a large number of deposit machines are set in a wide range, it is possible to easily collect cash from all the deposit machines and entrust cash collection to a conventional police company. Cash can be collected at a lower cost than the cost. In addition, unauthorized collection by the representative can be prevented.
[0046]
In the embodiment shown in FIG. 1, the debit transfer management server 31 is installed in the bank area C. However, the present invention is not limited to this. Any communication terminal capable of recognizing the area representative account and the card company account and recognizing the contents of the debit instruction may be used, and the debit processing may be performed by a person or by another processing terminal. May be.
[0047]
Next, an application example of the above embodiment will be described with reference to FIGS.
FIG. 7 is a modification of the collection fee storage table stored in the collection fee information storage unit 210 shown in FIG. 5 described above. In this case, the collection fee is set in advance for each collection area where the deposit machine 1 is installed. An example of registration in the case is shown. In other words, by using the collection fee storage table as shown in FIG. 7, in a collection area where the user frequently uses the service, a higher fee is set, and conversely, a collection area where the usage frequency is low is set. Let's set a lower commission.
[0048]
FIG. 8 is a diagram showing a configuration example of a collection status management information storage unit 220 stored and held by the management server 21 shown in FIG. The collection status management information storage unit 220 stores a collection status management table (a) and a limit count storage table (b). Here, the collection status management table (a) includes representative identification information for identifying a representative to have the cash deposited in the deposit machine collected, and a collection indicating the number of times the representative has collected the cash in one day. Number information (for example, calculated from a log of the number of communication accesses) is stored in association with the number information. The limit count storage table (b) stores limit count information indicating the upper limit of cash collection per day. That is, by using such a table, the management server 21 performs regulation control so as to limit the number of collections per day. Specifically, when the closing information is sent from the deposit machine 1, based on the table information, it is checked whether or not the number of collections per day of the corresponding representative exceeds the upper limit value. If not, a safe lock release permission is notified to the corresponding deposit machine as described above. On the other hand, if it is determined that the value exceeds the upper limit, an error is reported to the corresponding deposit machine.
[0049]
With such a configuration, if the commission is not set as a percentage of the collected amount, that is, if the cash collection is fixed at a fixed fee of one yen, the representative will not be able to collect By doing so, it is possible to prevent fraudulent acts that attempt to acquire a commission.
[0050]
【The invention's effect】
As described above, according to the present invention, even when a large number of deposit machines are set widely, it is possible to easily collect cash from all deposit machines, and to reduce the cost of entrusting cash collection to a conventional police company. Cash can be collected at low cost.
[0051]
Further, according to the present invention, unauthorized collection by a representative can be prevented beforehand.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a cash collecting system in a case where a cash collecting method of an electronic money recording medium payout apparatus according to the present invention is applied.
FIG. 2 is a flowchart showing a flow of a series of cash collection processing procedures in the cash collection system shown in FIG. 1;
FIG. 3 is a diagram showing a configuration example of a table stored in a closing information storage unit included in the deposit machine.
FIG. 4 is a diagram showing a situation where a representative opens a safe.
FIG. 5 is a diagram showing a configuration example of a table stored in a collection fee information storage unit provided in the management server.
FIG. 6 is a diagram showing how a fee is withdrawn at a bank.
FIG. 7 is a diagram showing a configuration example of a table stored in a collection fee information storage unit provided in the management server.
FIG. 8 is a diagram showing a configuration example of a table stored in a collection status management information storage unit provided in the management server.
FIG. 9 is a diagram showing a conventional cash collection mechanism.
[Explanation of symbols]
A: Electronic money area, B: Card company area, C: Bank area, 1: Cash deposit machine for electronic money charge, 2: Card company, 3 ... Bank, 21: Management server, 31: Debit transfer management server , 301: Area representative account, 302: Card company account, X: Cash, Y: Card (electronic money recording medium), M: Representative, 10a to 10n: User, 11: Dedicated closing key, 12: Safe door , 13… Safety key

Claims (12)

A cash collection method for collecting cash from a deposit machine that issues a prepaid card or adds value to electronic money according to a predetermined deposit,
Notifying the management terminal of the identification information of the deposit machine and information on the amount of cash collected based on the cash collection operation of the cash collector who was entrusted to collect the cash from the deposit machine,
By transferring an amount obtained by subtracting a predetermined collection fee from the collected cash amount according to the withdrawal instruction from the management terminal from the account of the cash collector to the manager's account for managing cash in the deposit machine,
A cash collection method, wherein the cash collector is provided with a reward for cash collection to collect cash in the deposit machine. The management terminal transmits a cash collection permission signal to a corresponding deposit machine based on the notification of the identification information of the deposit machine and the information on the collected cash amount, and controls the deposit machine to a cash recoverable state. The method for collecting cash according to claim 1. The deposit machine has a personal authentication function, based on the cash collection operation of the cash collector, notifies the management terminal of personal authentication information along with the identification information of the deposit machine and information on the collected cash amount,
3. The cash collecting method according to claim 2, wherein the management terminal sends a cash collecting permission signal to a corresponding cash machine based on the notification to control the cash machine to be in a cash recoverable state. The depositing machine is distributed and arranged at a plurality of locations,
2. The cash collecting method according to claim 1, wherein the cash collecting person is set for each of the dispensing machines or each of the plurality of dispensing machines. The management terminal sets a higher collection fee corresponding to a deposit machine that requires a higher frequency of cash collection, and conversely, lowers a collection fee corresponding to a deposit machine that does not require a higher frequency of cash collection. The cash collection method according to claim 1, wherein the method is set. 2. The cash collection device according to claim 1, wherein the management terminal sets an upper limit value of the number of times of cash collection per day in advance, and regulates and controls collection of cash in the deposit machine based on the set upper limit value. 3. Method. A cash collection system that collects cash from a deposit machine that issues a prepaid card or adds value to electronic money according to a predetermined deposit,
A management server that manages cash information in the deposit machine;
An account of a cash collector entrusted with collection of cash from the deposit machine, and a financial institution that opens and manages an account of a manager who manages cash in the deposit machine,
When collecting the cash deposited in the deposit machine by the cash collector, the deposit terminal notifies the management terminal of the identification information of the deposit machine and information on the amount of cash collected,
The management terminal provides the financial institution based on the notified information about the collected cash amount, and subtracts a predetermined collection fee designated in advance from the collected cash amount from the account of the cash collector to the manager. Notify your account of debit instructions,
By transferring the amount obtained by subtracting the predetermined collection fee from the received cash collection amount according to the debit instruction notified by the financial institution from the cash collector's account to the manager's account,
A cash collection system, wherein the cash collector is provided with a reward for cash collection to collect cash in the deposit machine. The management terminal transmits a cash collection permission signal to a corresponding deposit machine based on the notification of the identification information of the deposit machine and the information on the collected cash amount, and controls the deposit machine to a cash recoverable state. The cash collection system according to claim 7, wherein The deposit machine has a personal authentication function, based on the cash collection operation of the cash collector, notifies the management terminal of personal authentication information along with the identification information of the deposit machine and information on the collected cash amount,
9. The cash collecting system according to claim 8, wherein the management terminal controls the cashing machine to be in a cash collecting enabled state by transmitting a cash collection permission signal to a corresponding cash machine based on the notification. The depositing machine is distributed and arranged at a plurality of locations,
8. The cash collecting system according to claim 7, wherein the cash collecting person is set for each of the dispensing machines or each of the plurality of dispensing machines. The management terminal sets a higher collection fee corresponding to a deposit machine that requires a higher frequency of cash collection, and conversely, lowers a collection fee corresponding to a deposit machine that does not require a higher frequency of cash collection. The cash collection system according to claim 7, wherein the system is set. The cash collection device according to claim 7, wherein the management terminal sets an upper limit value of the number of cash collections per day in advance, and regulates and controls the collection of cash in the deposit machine based on the set upper limit value. system.

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