JP2005078226A - Dispensing management system and dispensing management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a dispensing management system for managing dispensing cash from a cash-dispensing device such as an ATM in the case that a plurality of cash-withdrawal cards, by which cash can be withdrawn, are issued to one deposit account, the system taking safety to the unauthorized use of the cards by using an personal identification number illegally obtained or the like into consideration. <P>SOLUTION: The dispensing management system 10 includes an account file 12 in which records are provided in units of accounts and a card management file 13 in which the records are provided in units of cards. The presence or absence of the utilization of a service issuing a plurality of the cards and the maximum amounts of cash dispensing for the accounts are referred to in the account file 12, and the personal identification numbers and the maximum amounts of the cash dispensing, which are fixed for each card, are referred to in the card management file 13, and then whether the cash dispensing is to be permitted is determined. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a withdrawal management system and a withdrawal management method for managing withdrawals from a cash withdrawal device such as an ATM when a plurality of withdrawal cards are issued for one deposit account. Is.

  When a deposit account is opened at a financial institution such as a bank, a cash card that can be used for depositing and withdrawing cash is issued by an ATM (automatic teller machine). If you use a cash card, cash can be withdrawn even if you do not have a notification stamp. For this reason, a security code is registered for each cash card to ensure safety, and only one cash card can be issued per account. It is usually done.

  However, there is a need to use multiple cash cards within a limited range, for example, when a couple wants to use the same deposit account, so it is now possible to issue cards that are generally called “agent cards” It has become. In general, the proxy card is issued only for one card other than the card used by the principal, and it is possible to set a personal identification number different from the card used by the principal.

  FIG. 1 shows a processing method of the bank system in response to a withdrawal request from an ATM when a proxy card is issued. Different cards are assigned to the card used by the principal and the agent card, and a personal identification number determined for each card is stored in the bank system account file. In the account file, a record is provided for each account number, and a password is registered in a field corresponding to each identifier.

  If the user wants to withdraw cash, the account number and identifier are automatically read when the card is inserted into the ATM. When the user inputs the desired withdrawal amount and password, these data are transmitted to the bank system. The application on the bank system side compares the received password number with the password registered in the account file in advance corresponding to the identifier, and if both match, authenticates the person and instructs the ATM to withdraw money. Send.

  In addition, for example, when the headquarters wants to deposit sales from a plurality of stores into the same deposit account, there is a need to allow a single deposit account to be deposited from a plurality of users. In response to such needs, a “deposit card” service has been provided. In this case, unlike a proxy card, it is rare to issue a large number of cards depending on the number of users. However, since the deposit-only card is used only for depositing, there is no risk that cash will be withdrawn from the account if lost. Therefore, there is no need for a special mechanism for avoiding unauthorized use for loss due to a personal identification number, such as a normal card or a proxy card.

  FIG. 2 shows a processing method of the bank system for a deposit / withdrawal request from an ATM when a deposit-only card is issued. In contrast to a normal card, the deposit-only card has an identifier indicating that it is dedicated to deposit. The application on the bank system side is set to read the identifier and not accept a withdrawal request if it is a deposit-only card. A card number may be used instead of the identifier, and it may be set not to accept a withdrawal request for a predetermined card number. In any of the methods, the bank system can record the deposit details for each depositer by recording the card number of the deposit-only card that has received the deposit.

  In addition, as far as the applicant knows, there is no disclosure document such as a patent document explaining the system configuration of the agent card and the deposit-only card.

  In recent banking operations, CMS (Cash Management Service) is one of the main services for improving the financial efficiency within the group companies. For example, CMS promptly moves funds between accounts in response to funding needs in order to prevent deposits in group companies and each headquarters branch office from being accumulated in each account and preventing excessive accumulation of funds. And it is necessary to do it efficiently. Here, if you can add a withdrawal function to this card by using the deposit-only card described above, you can use the same deposit account at the head office and the branch office, for example. It becomes possible to manage it efficiently in an account.

  However, with the current deposit-only card mechanism, it is possible to prevent funds from being illegally withdrawn from an account when the card is lost by not providing a withdrawal function for a large number of deposit-only cards. Therefore, if a withdrawal function is provided, countermeasures against such unauthorized withdrawal are required.

  To solve this problem, for example, it is possible to set a common password for all cards and authenticate whether or not the user is a valid user based on the password entered from the ATM. In this method, when many users use the same personal identification number, the risk of the personal identification number leaking increases.

  In order to set a personal identification number for each user, the agent card method described above can be considered. However, since the agent card has a configuration in which the identifier attached to the card is determined by the application on the bank system side, the number of corresponding identifiers increases as the number of cards increases, and the processing of the application becomes heavy. A problem occurs.

  In addition, in order to provide new services while ensuring user convenience, the new services do not use completely different infrastructure, and users can handle them with simple operations using the same ATM as before. Therefore, it is preferable to design in addition to the one using the deposit / withdrawal function of the existing bank system.

  The present invention has been made to solve such a problem, and in the case of issuing a plurality of withdrawal cards that can be withdrawn from a single deposit account, it is possible to use a personal identification number or other methods. An object of the present invention is to provide a withdrawal management system and a withdrawal management method for managing withdrawals from a cash withdrawal device such as an ATM in consideration of safety against unauthorized use.

  The present invention for solving such problems is a withdrawal management system for managing withdrawals from a cash withdrawal apparatus using a plurality of withdrawal cards issued to one deposit account, Account information storage means for storing account information including usage information regarding the presence / absence of use of the service using the plurality of withdrawal cards in a record provided for each account, and a record provided for each withdrawal card A card information storage means for storing card information including a withdrawal condition determined for the withdrawal card, an account number of a deposit account, a card number of the withdrawal card and a desired withdrawal amount from the cash withdrawal apparatus Referring to at least one of a withdrawal request accepting means for accepting a withdrawal request for cash including information related to the account information storing means or the card information storing means, the withdrawal of the withdrawal request is permitted. Withdrawing determination means for determining a plurality of withdrawal cards from use information of records corresponding to account numbers included in the withdrawal request of the account information storage means. If the service is used, and if the service is used, the withdrawal information is determined from the withdrawal condition of the record corresponding to the card number included in the withdrawal request of the card information storage means. It is characterized by determining availability.

  In this invention, while using an existing account file in which a record is provided for each account of a deposit account, a card management file provided with a record for each card to be newly issued is provided and a PIN number set for each card is set. By managing, it is possible to issue a large number of cards with a withdrawal function and taking safety into consideration while using a withdrawal and withdrawal system in a conventional bank system.

  The withdrawal card used in the present invention may be a cash card having a withdrawal function, and may be a magnetic card or an IC card. Moreover, since it is not necessary to restrict | limit especially about a deposit function, the card | curd for withdrawal may be provided with a deposit function. The cash dispensing device corresponds to a terminal device having a cash dispensing function or a transfer function, such as ATM or CD. With respect to withdrawal, in addition to paying out cash from the cash dispensing apparatus, all transactions such as transfers and transfers that drain funds from a deposit account are applicable. Deposit accounts include all accounts that can be deposited and withdrawn freely, such as ordinary deposits and checking accounts.

  Further, according to the present invention, the account information includes a first withdrawal limit that can be withdrawn from the deposit account, and the withdrawal determining means includes the withdrawal desired amount and the first withdrawal amount. The withdrawal determination means determines whether or not withdrawal is possible, and the withdrawal determination means determines that withdrawal is possible both in the determination based on the withdrawal condition and in the determination based on the first withdrawal limit. Then, a withdrawal instruction may be transmitted to the cash withdrawal apparatus. A deposit balance of the deposit account may be used as the first withdrawal limit.

  With regard to withdrawal requests from withdrawal cards, no matter which card is used, balances such as balances that exceed the limit that can be withdrawn from deposit accounts should not be accepted. By configuring in this way, in addition to the withdrawal conditions determined for each withdrawal card, it is possible to check the limit that can be withdrawn in the deposit account.

  In addition, the balance of the deposit account is usually used as the withdrawal limit. However, if a limit for withdrawals beyond the balance of overdrafts etc. is determined in advance, that limit may be used. .

  Further, according to the present invention, the withdrawal condition includes a second withdrawal limit determined for the withdrawal card, and the withdrawal determining means includes the withdrawal desired amount and the first withdrawal amount. It is also possible to determine whether or not withdrawal is possible by comparing the second withdrawal limit. Further, according to the present invention, the withdrawal condition includes a third withdrawal limit that defines a withdrawal limit for a specific period for the withdrawal card, and the withdrawal determination means includes It is also possible to determine whether or not withdrawal is possible by comparing the sum of the desired withdrawal amount and the total accumulated withdrawal amount in the specific period with the third withdrawal limit.

  By setting the withdrawal limit for each withdrawal card in this way, it is possible to reduce the amount of damage to the withdrawal limit even if the card is lost or illegally used. As for the withdrawal limit, a limit per withdrawal request may be determined as in the former, or a limit during a certain period may be determined as in the latter.

  Further, according to the present invention, the withdrawal condition includes a personal identification number determined for the withdrawal card, and the withdrawal determination means includes the personal identification number received from the cash withdrawal apparatus and the withdrawal number. It is also possible to determine whether or not withdrawal can be made by comparing a password set as a gold condition. The withdrawal determination means updates the number of incorrect input of the personal identification number as the card information when the personal identification number received from the cash withdrawal device and the personal identification number defined as the withdrawal condition do not match. When the number of erroneous inputs reaches a predetermined number, it may be characterized that it is determined that the withdrawal is not accepted in response to the withdrawal request from the corresponding withdrawal card.

  By registering a PIN for each withdrawal card in this way, it is possible to prevent unauthorized withdrawals when an unauthorized person performs a withdrawal operation due to loss of the card, etc. Become. If incorrect input of the security code continues, it is judged that there is a high possibility that an unauthorized person is performing an unauthorized operation, so the number of incorrect input is recorded and withdrawal is accepted after a certain number of times. It is possible to improve safety by setting so that there is no.

  Further, according to the present invention, the withdrawal condition includes presence / absence of a loss registration for the withdrawal card, and the withdrawal determination means determines that the withdrawal is not permitted when the loss registration exists. It can also be characterized.

  If comprised in this way, the loss of a card | curd can be managed per card | curd and the withdrawal using the card | curd with the possibility of unauthorized use can be stopped. Since the use of other cards can be continued only when the card is stopped, the influence of the stop of the card can be minimized.

  Furthermore, this invention can also be comprised as a payment management method using the payment management system concerning this invention corresponding to each structure of these payment management systems.

  That is, the withdrawal management method according to the present invention is a withdrawal management method for managing withdrawals from a cash withdrawal apparatus using a plurality of withdrawal cards issued to one deposit account, A step of accepting a withdrawal request including information on an account number of a deposit account, a card number of a withdrawal card and a desired withdrawal amount from the cash withdrawal apparatus; and the computer is provided for each deposit account. Referring to an account information storage device in which account information is stored in a record, obtaining usage information relating to presence / absence of use of a service using the plurality of withdrawal cards from a record corresponding to the account number; and the computer Determining whether to use the service from the usage information; and, if the computer uses the service, a withdrawal card. Referring to a card information storage means that stores card information in a record provided on the card, obtaining a withdrawal condition defined for the withdrawal card from a record corresponding to the card number, and the computer, And determining whether or not withdrawal can be made with respect to the withdrawal request with reference to the withdrawal condition.

  The account information includes a first withdrawal limit that can be withdrawn from the deposit account, and the computer compares the desired withdrawal amount with the first withdrawal limit. And determining whether or not money can be withdrawn. If it is determined that the withdrawal is permitted in both the determination based on the withdrawal condition and the determination based on the first withdrawal limit, the computer issues the cash withdrawal. It is also possible to send a withdrawal instruction to the gold device. The withdrawal condition includes a second withdrawal limit determined for the withdrawal card. In the determination based on the withdrawal condition, the desired withdrawal amount and the second withdrawal limit It may be characterized in that the amount of withdrawal is determined by comparing the amount. The withdrawal condition includes a personal identification number determined for the withdrawal card. In the determination based on the withdrawal condition, the personal identification number received from the cash withdrawal device and the withdrawal condition are determined. It may be characterized in that whether the withdrawal is possible or not is determined by comparing the obtained personal identification number. The withdrawal condition includes the presence / absence of loss registration for the withdrawal card, and in the determination based on the withdrawal condition, it is determined that the withdrawal is rejected when the loss registration exists. It may be a feature.

  According to the present invention, it is possible to issue a large number of a plurality of withdrawal cards that can be withdrawn from a single deposit account while ensuring security against unauthorized use by a personal identification number or other methods. Since the present invention can be implemented by providing an additional configuration to an existing bank system, a user can be provided with a new service by a general operation using an existing infrastructure such as an ATM. .

  Users who use the service according to the present invention can efficiently manage surplus funds in one account by using the same deposit account at the head office and branch offices to deposit and withdraw funds. It can be used to improve the efficiency of funds.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In addition, the following description is an example of embodiment of this invention, Comprising: This invention is not limited to this embodiment.

  FIG. 1 is a diagram showing an outline of the “agent card”. FIG. 2 is a diagram showing an outline of the “deposit card”. FIG. 3 is a block diagram showing the configuration of the withdrawal management system according to the present invention. FIG. 4 is a diagram illustrating an example of a record provided in the account file. FIG. 5 is a diagram showing an example of a record provided in the card management file. FIG. 6 is a diagram showing a flow for registering a service by the withdrawal management system according to the present invention. FIG. 7 is a diagram showing a flow of a withdrawal determination for a withdrawal request using a normal card. FIG. 8 is a diagram showing a flow for making a withdrawal determination for a withdrawal request by the withdrawal management system according to the present invention.

  The configuration of the withdrawal management system according to the present invention will be described with reference to FIG. A withdrawal management system 10 according to the present invention is provided in a bank system, and includes a withdrawal processing unit 11, an account file 12, and a card management file 13. The withdrawal processing unit 11 is connected to the ATM 20 and accepts a withdrawal request operated by a user inserting the cash card 30 into the ATM 20.

  In the withdrawal management system 10 according to the present invention, the account file 12 is not significantly different from that used in the ordinary banking system, the agent card shown in FIG. 1, and the deposit-only card shown in FIG. A record is provided for each account, and stores basic information about the account such as an account number and a personal identification number, and information for balance management and history management. The present invention is characterized in that a card management file 13 is newly provided, and the withdrawal processing unit 11 checks necessary items in both the account file 12 and the card management file 13 and determines whether or not withdrawal is possible. Do.

  FIG. 4 shows an example of a record provided in the account file 12 of the withdrawal management system 10 according to the present invention. As described above, the record provided for each account stores basic information related to the account, such as the account number and PIN, but here we issue multiple withdrawal cards. A field for recording a flag indicating whether or not the “payment management card service” is used is provided.

  When the withdrawal processing unit 11 accepts a withdrawal request from the ATM 20, the corresponding record is specified in the account file 12 using the account number detected from the data transmitted from the ATM 20 as a key. Here, the presence / absence of use of the “payment management card service” is confirmed by a flag, and if it is determined that there is no use, normal withdrawal processing is performed.

  On the other hand, when it is determined that the card is used, the withdrawal processing unit 11 specifies the corresponding record in the card management file 13 using the card number detected from the data transmitted from the ATM 20 as a key. The card management file 13 is provided with a record for each issued card. Each record has a card number, a corresponding account number, a password set for each card, presence / absence of loss registration of the card, Stores information related to the card, such as the withdrawal limit set for the card.

  The withdrawal processing unit 11 collates the personal identification number stored in the specified record with the personal identification number detected from the data transmitted from the ATM 20, and if the two match, authenticates as a valid user and issues a withdrawal. Continue gold processing. If they do not match, an error display instruction is transmitted to the ATM 20, and the withdrawal process is stopped.

  Also, the presence or absence of lost registration is confirmed from the specified record. If there is no lost registration, the withdrawal process is continued. If there is a loss registration, an error display instruction is transmitted to the ATM 20 to stop the withdrawal process.

  Further, the withdrawal limit stored in the specified record is compared with the withdrawal desired amount detected from the data transmitted from the ATM 20, and if the withdrawal desired amount is equal to or less than the withdrawal limit, the withdrawal is made. Continue processing. If the desired withdrawal amount exceeds the withdrawal limit, an instruction to display that the withdrawal amount is excessive is transmitted to the ATM 20 and the withdrawal process is stopped. As for the withdrawal limit, a limit per time may be set, or a limit for a specific period such as one day or one week may be set. In the latter case, a field for storing the accumulated amount of withdrawal is provided for each card, and the accumulated amount is updated every time the withdrawal is executed. The accumulated amount is reset every time the set period elapses.

  When it is determined that all of these requirements can be withdrawn, the withdrawal processing unit 11 further obtains the withdrawal limit from the account from the record related to the account in the account file 12. With regard to the withdrawal limit set for an account, the balance of the deposit account is usually used, but if the allowance for withdrawal beyond the balance of overdrafts etc. is pre-determined, that limit will be used. Also good. If this limit is exceeded, an instruction to display a shortage of balance is sent to the ATM 20 to stop the withdrawal process. When it does not exceed, a withdrawal instruction is transmitted to the ATM 20, and the ATM 20 pays out cash as requested by the user. Note that the withdrawal process here is not limited to cash payment, and may be a transfer process or a transfer process from the account.

  Note that the determination requirements for the withdrawal process described so far may be determined in the order described, or the determination order may be different. Further, other requirements may be included, or some of the requirements may not be used.

  A flow for registering a service by the withdrawal management system according to the present invention will be described with reference to FIG. When a customer wishes to use the "Payment Management Card Service", which issues multiple cards, accept the prescribed application form, specify the account number from the terminal of the department in charge, such as a sales office, and serve as the payment management card service destination Register. A flag indicating the payment management card service destination is set in the record of the corresponding account in the account file.

  Next, for the number of cards to be issued according to the request from the customer, a new record for the number of cards is created in the card management file, and the card number, password, withdrawal limit, etc. are set. With these processes, a plurality of cards that can be withdrawn are issued and sent to the customer. These cards may be provided not only with withdrawal but also with a deposit function.

  With reference to FIGS. 7 and 8, the flow for making a withdrawal determination for a withdrawal request by the withdrawal management system according to the present invention will be described. FIG. 7 shows a flow of a withdrawal determination for a withdrawal request using a normal card. In a conventional withdrawal processing system, a PIN number and a card loss registration are stored in a record provided for each account in the account file.

  When the user inserts the card into the ATM and accepts the account number read from the magnetic stripe and the entered password, it is checked against the password of the record corresponding to the detected account number, and the presence of lost registration is confirmed. Then, it is determined whether or not the withdrawal process is possible. Also, the withdrawal request amount input by the user is detected, and compared with the withdrawal limit amount such as the deposit balance stored in the account file, it is confirmed whether or not the limit amount is exceeded. If it is determined that the withdrawal is possible in these determinations, a withdrawal instruction is transmitted to the ATM, and cash is paid out or transferred, and a statement slip is output.

  When the withdrawal is accepted, the transaction history is recorded in the account file of the account, and the balance is updated. In addition, the number of erroneous inputs is updated when there is an erroneous input of a password. When the erroneous input exceeds a predetermined number of times, the withdrawal request is rejected and the withdrawal process using the card is not accepted.

  On the other hand, the flow by the withdrawal management system according to the present invention in FIG. 8 is different in that the determination in the account file and the determination in the card management file are performed in two stages. In the present invention, a card unit record is provided in the card management file, and the PIN number, withdrawal limit, loss registration, and the like are managed in card units in this record.

  When the user inserts the card into the ATM and receives the account number read from the magnetic stripe, the corresponding record is identified in the account file using the detected account number as a key, and the use of the payment management card service is confirmed. . If the account uses the payment management card service, the card management file identifies the corresponding record using the card number recorded in the magnetic stripe of the card detected by the ATM as a key.

  Here, the personal identification number input to the ATM by the user is detected, collated with the personal identification number stored in the record, and further, the presence / absence of lost registration is confirmed to determine whether or not the withdrawal process is possible. Also, the withdrawal request amount input by the user is detected and compared with the withdrawal limit amount stored in the record, it is confirmed whether the limit amount is exceeded. The withdrawal limit determined here can be arbitrarily determined by the user regardless of the balance or the like. For example, the withdrawal limit may be set according to the authority of the branch office distributing the card.

  If it is determined that the withdrawal is acceptable in these judgments, the withdrawal request amount entered by the user is compared with the withdrawal limit amount such as the deposit balance stored in the account file, and it is checked whether the limit amount is exceeded. . If it is determined that withdrawal is possible, a withdrawal instruction is transmitted to the ATM, and cash is paid out, a transfer / transfer process, and a statement slip is output.

  At the same time, in the account file, the transaction history for the account is recorded, and the balance is updated. Further, in the card management file, when the withdrawal limit is set not as each time but as a total amount for a specific period, the cumulative amount of withdrawal is updated. In addition, if there is an incorrect input of a password, the number of erroneous inputs is updated. When the erroneous input exceeds a predetermined number of times, the withdrawal request is rejected and the withdrawal process using the card is not accepted.

It is a figure which shows the outline | summary of a "proxy card". It is a figure which shows the outline | summary of a "deposit card only". It is a block diagram which shows the structure of the payment | withdrawal management system concerning this invention. It is a figure which shows an example of the record provided in the account file. It is a figure which shows an example of the record provided in the card management file. It is a figure which shows the flow which registers the service by the payment | withdrawal management system concerning this invention. It is a figure which shows the flow of withdrawal determination with respect to the withdrawal request using a normal card | curd. It is a figure which shows the flow which performs the withdrawal determination with respect to a withdrawal request by the withdrawal management system concerning this invention.

Explanation of symbols

10 withdrawal management system 11 withdrawal processing unit 12 account file 13 card management file 20 ATM
30 cash card

Claims (13)

A withdrawal management system for managing withdrawals from a cash withdrawal apparatus using a plurality of withdrawal cards issued to a single deposit account,
Account information storage means for storing account information including usage information regarding the presence / absence of use of the service using the plurality of withdrawal cards in a record provided for each deposit account;
Card information storage means for storing card information including a withdrawal condition set for the withdrawal card in a record provided for each withdrawal card;
A withdrawal request accepting means for accepting a withdrawal request including information on an account number of a deposit account, a card number of a withdrawal card and a withdrawal desired amount from the cash withdrawal apparatus;
Withdrawing determination means for referring to at least one of the account information storage means or the card information storage means to determine whether or not withdrawal can be made in response to the withdrawal request;
With
The withdrawal determination unit determines whether or not a service using a plurality of withdrawal cards is used from usage information of a record corresponding to an account number included in the withdrawal request of the account information storage unit, and the service When using the withdrawal management system, it is determined whether or not withdrawal is possible from a withdrawal condition of a record corresponding to a card number included in the withdrawal request of the card information storage means. The account information includes a first withdrawal limit that can be withdrawn from the deposit account,
The withdrawal determination means determines whether or not withdrawal is possible by comparing the desired withdrawal amount and the first withdrawal limit.
The withdrawal determination means transmits a withdrawal instruction to the cash withdrawal apparatus when it is determined that withdrawal is possible in both the determination based on the withdrawal condition and the determination based on the first withdrawal limit. The withdrawal management system according to claim 1. The withdrawal management system according to claim 2, wherein a deposit balance of the deposit account is used as the first withdrawal limit. The withdrawal condition includes a second withdrawal limit determined for the withdrawal card,
4. The withdrawal management according to any one of claims 1 to 3, wherein the withdrawal determination means determines whether or not withdrawal is possible by comparing the desired withdrawal amount and the second withdrawal limit. system. The withdrawal condition includes a third withdrawal limit that sets a withdrawal limit for a specific period for the withdrawal card,
The withdrawal determining means determines whether or not withdrawal is possible by comparing a total amount of the withdrawal desired amount and a cumulative amount of past withdrawals in the specific period with the third withdrawal limit. The withdrawal management system according to any one of claims 1 to 4. The withdrawal condition includes a PIN set for the withdrawal card,
6. The withdrawal determination unit determines whether or not withdrawal is possible by comparing a password received from the cash dispensing apparatus with a password set as the withdrawal condition. The withdrawal management system described in Crab. The withdrawal determination means updates the number of incorrect input of the personal identification number as the card information when the personal identification number received from the cash withdrawal device and the personal identification number defined as the withdrawal condition do not match. 7. The withdrawal management system according to claim 6, wherein when the number of erroneous inputs reaches a predetermined number, it is determined that the withdrawal is not accepted in response to the withdrawal request from the corresponding withdrawal card. The withdrawal condition includes the presence or absence of a loss registration for the withdrawal card,
The withdrawal management system according to any one of claims 1 to 7, wherein the withdrawal determination unit determines that the withdrawal is not permitted when the lost registration exists. A withdrawal management method for managing withdrawals from a cash withdrawal apparatus using a plurality of withdrawal cards issued to a single deposit account,
A computer accepting a withdrawal request including information on an account number of a deposit account, a card number of a withdrawal card and a withdrawal desired amount from the cash withdrawal apparatus;
Whether the computer uses the service using the plurality of withdrawal cards from the record corresponding to the account number with reference to the account information storage device that stores the account information in a record provided for each deposit account Obtaining usage information about,
The computer determining whether to use the service from the usage information;
When the computer uses the service, the card information storage means storing the card information in the record provided for each withdrawal card is referred to, and the withdrawal from the record corresponding to the card number is performed. Obtaining the withdrawal conditions defined for the money card;
The computer determining whether or not withdrawal with respect to the withdrawal request with reference to the withdrawal condition;
A withdrawal management method characterized by comprising: The account information includes a first withdrawal limit that can be withdrawn from the deposit account,
The computer has a step of determining whether or not withdrawal is possible by comparing the withdrawal desired amount with the first withdrawal limit;
The computer transmits a withdrawal instruction to the cash dispensing apparatus when it is determined that withdrawal is possible in both the determination based on the withdrawal condition and the determination based on the first withdrawal limit. The withdrawal management method according to claim 9. The withdrawal condition includes a second withdrawal limit determined for the withdrawal card,
The withdrawal management method according to claim 9 or 10, wherein, in the determination based on the withdrawal condition, whether or not withdrawal is possible is determined by comparing the withdrawal desired amount and the second withdrawal limit. . The withdrawal condition includes a PIN set for the withdrawal card,
In the determination based on the withdrawal condition, whether the withdrawal is possible or not is determined by comparing a password received from the cash dispensing apparatus with a password defined as the withdrawal condition. The withdrawal management method according to any one of 11. The withdrawal condition includes the presence or absence of a loss registration for the withdrawal card,
13. The withdrawal management method according to any one of claims 9 to 12, wherein, in the determination based on the withdrawal condition, it is judged that withdrawal is not made when the lost registration exists.